Income Replacement Benefit tool

Participation in VAC's Rehabilitation Services and Vocational Assistance Program is mandatory to receive the IRB, unless it is determined it will not improve the Veteran's earnings capacity.

The CAF LTD plan is the CAF's group disability insurance plan that provides vocational rehabilitation, vocational assistance and income support to all medically releasing CAF members. It also provides support to members who voluntarily release and qualify as totally disabled. All CAF members are automatically covered by the CAF-LTD plan starting on their day of enrollment.

SISIP Financial administers the CAF LTD insurance plan on behalf of the Chief of the Defence Staff for CAF members and Veterans.

A Veteran receiving IRB has their benefit calculated based on 90% of their pre-release salary, indexed annually for inflation. They receive this while pursuing rehabilitation services. If a Veteran is ultimately determined to have a Diminished Earning Capacity and requires income support indefinitely, they receive the 1% career progression factor applied to their monthly military salary at release, every year until the Veteran reaches what would have been 20 years of service or age 60 which ever comes first.

Survivors of Veterans who died of a service related cause prior to age 65 are also eligible for the career progression factor of 1%. The adjusted military salary with career progression will be used for the IRB calculation starting the month in which VAC determines that the Veteran will receive the IRB for life.

Before 1 April 2019, the career progression factor is only payable to Veterans with Diminished Earning Capacity decisions.

Indexation ensures that the purchasing power of money remains the same after inflation. It also ensures that purchasing power remains the same over time. Simply put, as items like food become more expensive, indexation means we provide Veterans with more money to ensure they can keep buying these things.

This benefit is taxable because it is a replacement for income that would have been earned should the Veteran not have had an injury or illness related to service.

To encourage Veterans to engage in activities that are beneficial and meaningful to them, the new benefit will allow recipients to earn up to $20,000 from employment per year before the benefit is adjusted rather than immediately reducing benefits, as is currently the case.

Employment income in excess of $20,000 will be fully offset dollar for dollar from the IRB amount.

Participation in VAC's Rehabilitation Services and Vocational Assistance Program is mandatory to receive the IRB, unless it is determined it will not improve the Veteran's earnings capacity.

The CAF LTD plan is the CAF's group disability insurance plan that provides vocational rehabilitation, vocational assistance and income support to all medically releasing CAF members. It also provides support to members who voluntarily release and qualify as totally disabled. All CAF members are automatically covered by the CAF-LTD plan starting on their day of enrollment.

SISIP Financial administers the CAF LTD insurance plan on behalf of the Chief of the Defence Staff for CAF members and Veterans.

A Veteran receiving IRB has their benefit calculated based on 90% of their pre-release salary, indexed annually for inflation. They receive this while pursuing rehabilitation services. If a Veteran is ultimately determined to have a Diminished Earning Capacity and requires income support indefinitely, they receive the 1% career progression factor applied to their monthly military salary at release, every year until the Veteran reaches what would have been 20 years of service or age 60 which ever comes first.

Survivors of Veterans who died of a service related cause prior to age 65 are also eligible for the career progression factor of 1%. The adjusted military salary with career progression will be used for the IRB calculation starting the month in which VAC determines that the Veteran will receive the IRB for life.

Before 1 April 2019, the career progression factor is only payable to Veterans with Diminished Earning Capacity decisions.

Indexation ensures that the purchasing power of money remains the same after inflation. It also ensures that purchasing power remains the same over time. Simply put, as items like food become more expensive, indexation means we provide Veterans with more money to ensure they can keep buying these things.

This benefit is taxable because it is a replacement for income that would have been earned should the Veteran not have had an injury or illness related to service.

To encourage Veterans to engage in activities that are beneficial and meaningful to them, the new benefit will allow recipients to earn up to $20,000 from employment per calendar year before the benefit is adjusted rather than immediately reducing benefits, as is currently the case.

Employment income in excess of $20,000 will be fully offset dollar for dollar from the IRB amount.

Participation in VAC's Rehabilitation Services and Vocational Assistance Program is mandatory to receive the IRB, unless it is determined it will not improve the Veteran's earnings capacity.

The CAF LTD plan is the CAF's group disability insurance plan that provides vocational rehabilitation, vocational assistance and income support to all medically releasing CAF members. It also provides support to members who voluntarily release and qualify as totally disabled. All CAF members are automatically covered by the CAF-LTD plan starting on their day of enrollment.

SISIP Financial administers the CAF LTD insurance plan on behalf of the Chief of the Defence Staff for CAF members and Veterans.

A Veteran receiving IRB has their benefit calculated based on 90% of their pre-release salary, indexed annually for inflation. They receive this while pursuing rehabilitation services. If a Veteran is ultimately determined to have a Diminished Earning Capacity and requires income support indefinitely, they receive the 1% career progression factor applied to their monthly military salary at release, every year until the Veteran reaches what would have been 20 years of service or age 60 which ever comes first.

Survivors of Veterans who died of a service related cause prior to age 65 are also eligible for the career progression factor of 1%. The adjusted military salary with career progression will be used for the IRB calculation starting the month in which VAC determines that the Veteran will receive the IRB for life.

Before 1 April 2019, the career progression factor is only payable to Veterans with Diminished Earning Capacity decisions.

Indexation ensures that the purchasing power of money remains the same after inflation. It also ensures that purchasing power remains the same over time. Simply put, as items like food become more expensive, indexation means we provide Veterans with more money to ensure they can keep buying these things.

This benefit is taxable because it is a replacement for income that would have been earned should the Veteran not have had an injury or illness related to service.

To encourage Veterans to engage in activities that are beneficial and meaningful to them, the new benefit will allow recipients to earn up to $20,000 from employment per year before the benefit is adjusted rather than immediately reducing benefits, as is currently the case.

Employment income in excess of $20,000 will be fully offset dollar for dollar from the IRB amount.