DVA Special Rate Disability Pension (SRDP)
Understand your options before making one of the most important financial decisions of your veteran journey.
Receiving or anticipating an SRDP offer can feel overwhelming. You may be trying to understand how SRDP compares with incapacity payments, what the decision means for your military super and how it may affect your family and financial future.
We have created the Veteran SRDP Academy to help you work through those questions one step at a time.
Book a conversation with our Veteran Coordinator Lachlan who is a medically retired Veteran himself:
If you’ve just received an SRDP offer, it’s completely normal to feel uncertain.
Kym from our team has prepared this short video explaining what veterans should understand before making a decision.
Prefer to read: Continue below or start the Veteran SRDP Academy.
Veteran SRDP Academy
10 Lessons to Help You Understand SRDP and Make Confident Decisions
Understanding the Special Rate Disability Pension can feel really overwhelming.
Our step by step lessons will help you explore your options, avoid common mistakes, and consider what is right for your future.
Work through the lessons at your own pace.
Before you make a decision
Why understanding is the most important step in any decision
Preparing for your SRDP decisionThree common mistakes
Three completely understandable mistakes we see when Veterans are considering an SRDP Offer
Common mistakes with SRDP offersHow SRDP Fits Into Your Financial Future
While SRDP is part of the DVA compensation system, the decision you eventually make may influence much more than your DVA entitlements.
SRDP in your financial futureSix questions to ask before making a decision
Six questions every Veteran should be able to answer before making an SRDP decision
Questions to ask before decidingOne Veteran's story re SRDP
Why taking the time to understand changed everything
One veteran's SRDP storyYour SRDP offer has arrived ... What should you do next?
Understand what usually happens next and how you can approach the decision with confidence.
Getting advice on your offerWhat happens during an SRDP Advice Meeting?
Our goal is to help you understand your options so you can make the decision that’s right for you.
Inside an SRDP advice meetingLife beyond your decision about SRDP
Your SRDP decision isn’t the end of your journey. It’s the beginning of a new chapter.
Life beyond your SRDP decisionOne of the things that we hear the most is …
“I’ve waited years for this letter…
I just want to make the right decision.”
That’s completely understandable that you might be thinking that.
The reality is this isn’t just a DVA decision. It’s a financial decision that can affect your income, your retirement, your military super and your family for many years.
The purpose of this page isn’t to tell you what to choose.
It’s to help you understand your options before making that decision.
What Does an SRDP Advice Meeting Actually Look Like?
How This Decision Affects Your Future
The decision between SRDP and incapacity payments is not just about income today.
It can influence your financial position for decades.
Choosing between SRDP and incapacity payments can influence:
• Your long-term income
• Your ability to work
• How your financial situation evolves over time
• Your retirement planning
Not Sure Which Option Is Right?
If you’ve been offered SRDP and are unsure what it means for your situation, it can help to talk things through before making a decision.
👉 Have a Conversation
Why Veterans choose CT Wealth
- Certified Financial Planner® with over 25 years experience (independent, conflict‑free fee model with no commissions).
- Listed on the ADF Financial Services Consumer Centre referral program.
- Deep experience guiding ADF veterans through DVA SRDP, PI, Service Pension and related determinations.
How can CTWealth help?
Given the complexities involved with the various DVA entitlements it is essential that you seek appropriate advice on the best choice for you and your family. Here at CTWealth we have helped many ADF families through this decision process and are happy to help when required.
Our loyalty is to you.
We know veterans have spent enough time navigating complex systems.
The last thing you need is to wonder whether financial advice is influenced by product commissions.
At CTWealth, our recommendations are built around your objectives, your circumstances and the future you want to create. Because the advice should fit your life, not someone else’s business model.
| Some advice models | CTWealth |
|---|---|
| May receive commissions on recommended products | We do not receive commissions for recommending financial products |
| Product recommendations can influence remuneration | Recommendations are based on your individual circumstances |
| Focus may be on selecting products | Focus is on helping you make informed financial decisions |
One of the biggest financial decisions you’ll ever make deserves advice that’s aligned with your interests … not ours.
That’s why our recommendations are based on your goals, your circumstances and the future you want to build.
We don’t receive commissions for recommending financial products, so our advice isn’t influenced by product providers.
It’s influenced by one thing … what’s right for you.