When you have multiple accepted conditions, the impairment points from each condition do not simply add together. DVA uses a combined values chart (found in GARP M for MRCA or GARP V for VEA) that applies diminishing marginal returns for additional conditions.
For example, if you have a knee injury assessed at 10 impairment points and a back injury also assessed at 10 points, your combined total may be less than 20 points. The exact combined value depends on the specific numbers and the combined values chart that DVA uses.
This matters because key thresholds determine your eligibility for important benefits. At 60 or more combined impairment points under MRCA, you become eligible for a Gold Card. At 50 or more points, you become eligible for DVA-funded financial advice reimbursement. At 80 or more points, additional lump sums may apply.
Understanding how combined impairment works is important when considering whether to claim for additional conditions. Even a small increase in impairment points from a new or worsened condition could push you past a key threshold.
The improved MRCA (from 1 July 2026) introduces whole-of-person impairment assessment under the VETS Act changes. This means smaller individual impairments that previously fell below separate thresholds can now contribute to your overall rating.
DVA arranges the impairment assessment — you do not need to calculate combined values yourself. However, understanding the concept helps you make informed decisions about whether to pursue additional claims or reassessments.
This is a guide only. Always verify with DVA directly or with a qualified advocate.