So you spent 20 years in the Navy and never heard of a medical retirement? It is a simple process.When I was in any finding of 30 percent or more disability while on active duty was a trip to the Temporary Disabled retired list. You spend 5 years on the list with a review every year and a half. If they find you are no longer disabled you are returned to active duty. If after 5 years you are still disabled you are permanently retired. You receive retired pay same as if you did 20. In my case I fell under the 50 percent system. So I receive 50 percent of my base pay.
The military rated me at 50 percent disabled. So I was placed on the TDRL list and after 5 years permanently retired.
The VA did not rate me as high. Until later as I got worse. Currently I am rated 70 percent by the VA and considered unemployable so paid at the 100 percent rate. That occurred about the same time as I was placed on Permanent Retired list.
VA tends to rate mental problems lower and since that is how I was disabled initially they rated me at 10 percent. As time passed and I got worse, with more hospital stays and worsening condition they upped it 3 times.
Social Security considers me disabled as well. It took 3 years for my doctors to convince me to apply for Social Security disability. Generally when one applies they are turned down several times and end up hiring an attorney to convince the Social Security people of the problem. My application for disability was passed on the first submission. In and out of hospitals 2 to 3 times a year tends to do that.
I have not received retired pay since early 2000 when the VA started paying me at the 100 percent rate. Since I was not injured by combat my retired pay is reduced dollar for dollar for every VA dollar I receive. The VA pays me twice what retired pay would pay me.
I think recently they changed the threshold for medical retirement. Making it so you need more then 30 percent.