The Military Rehabilitation and Compensation Act 2004 (MRCA) is the most recent of the three Acts and covers ADF members whose service began on or after 1 July 2004.
The MRCA provides compensation through Initial Liability (accepting your condition as service-related), Permanent Impairment (lump sum for stable conditions), and Incapacity Payments (lost income support).
From 1 July 2026, the MRCA becomes the single Act for all new compensation claims through the VETS Act changes. The "improved MRCA" includes enhancements like whole-of-person impairment assessment.
Under MRCA, Permanent Impairment is generally paid as a lump sum based on impairment points. The Gold Card is available at 60 or more impairment points.