VAC Pain and Suffering Compensation
VAC PSC
A tax-free payment from Veterans Affairs Canada for eligible veterans whose disability is related to service, introduced in 2019 under Pension for Life. You choose a lifetime monthly payment or a lump sum, based on the extent of your disability. Rates effective 1 January 2026: at 5% the monthly amount is $70.99 ($23,097.84 lump sum), at 20% $283.96 ($92,391.34), at 40% $567.93 ($184,782.68), at 60% $851.89 ($277,174.03), at 80% $1,135.86 ($369,565.37) and at 100% $1,419.82 ($461,956.71). Additional Pain and Suffering Compensation adds a separate monthly amount for severe and permanent impairment, $1,851.93 a month at Grade 1.
Useful Tips for Applying
You can receive PSC alongside the Income Replacement Benefit (IRB), which ensures a minimum pre-tax income of $60,002.64 per year in 2026 while you take part in rehabilitation services. Monthly payments are tax-free and indexed to inflation annually; VAC publishes the full PSC rate table as a PDF. If you choose the monthly option and die before the total value is paid, the remainder goes to your survivor. Even a 1% disability rating qualifies you for a small monthly payment or lump sum. If the disability worsens, you can request a reassessment with new medical evidence.
Who May Qualify
You may qualify if: • You are a Canadian Armed Forces member or veteran, or a current or former RCMP member • You have a diagnosed service-related physical or mental health condition and can show the condition is related to your service • You applied for disability benefits on or after 1 April 2019 • Certain civilians who served in the Second World War, and Second World War or Korean War veterans including the Merchant Navy, are assessed under the Disability Pension instead
Required Documents
• Military or RCMP service records • Medical documentation of your disability • Evidence linking the condition to your service • Proof of identity
How to Apply
1. Apply online through My VAC Account 2. Or call 1-866-522-2122 for a paper application 3. Provide medical records and service proof 4. VAC medical advisors assess the percentage of disability (1% to 100%) 5. You can choose to receive payments monthly for life or as a one-time lump sum
Common Mistakes to Avoid
• Assuming your injury isn't 'serious' enough to apply—even minor service-related hearing loss or joint issues are eligible • Not applying for Additional Pain and Suffering Compensation (APSC) if your condition creates a significant barrier to daily life • Missing the chance to get free application support from a Service Officer (Legion or ANAVETS)
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
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