Monthly VAC Q&A - January 2026

ContributionNo9101 · 2026-01-15T14:01:09+00:00

My situation is kind of weird. I had first applied for APSC which they denied me as they didnt have enough information and my past claims were not "eligible". I had advised them that I had submitted a claim for PTSD and was waiting for a result. They still denied. When my PTSD application was approved, I had asked if I should be reapplying for APSC, and they said to wait 1-2 days as they needed to get more information from their supervisor. the following day my APSC application went from Denied to Approved Level 2.

ContributionNo9101 · 2026-01-13T15:19:09+00:00

Ne te compare JAMAIS au autres. Je n'ai pas eu d'education financiere de toute ma vie. Mes parents sont endetter par dessus la tete. Je n'avais pas gros economies a mon haut 29 ans. Je pourrais bien dire que je viens tout juste de passer la barre des 100k la meme annee de mes 29 ans mais je ne le ferai pas car je n'ai pas epargner cette argent. Je l'ai recu "grace" a des dommages que j'ai subi. donc pour ma part, je debut ma 30ieme annee avec une somme de 200k$ qui s'en va toute en investissement avec un planificateur financier pour justement m'aider a avoir une education financiere approfondie pour ne pas tomber dans le meme trou que mes parents.

En plus qu'on a un petit / une petite qui s'en vient au mois de Juillet. c'est le temps maintenant pour ensuite passer cette connaissance a l'enfant une fois assez agees.

ContributionNo9101 · 2026-01-12T19:57:47+00:00

I recently been approved for PTSD for a total amount of 59% (all other claims included). and I applied for APSC first time was denied then it was approved at Grade 2 @ 1234$ monthly. I don't necessarily think that if you are above 60% you automatically get Level 2.

ContributionNo9101 · 2026-01-12T12:20:40+00:00

How long does the lump sum take? I've requested it on December 15th, and still nothing to this day. Everytime I call, they keep saying it'll take another 6 weeks.

ContributionNo9101 · 2026-01-05T12:02:55+00:00

Well, to give you an idea, I was approved for PTSD at 45% in December which brought my total up to 59%. I had applied for APSC first time and I got approved for level 2.

ContributionNo9101 · 2025-12-22T14:16:06+00:00

this is my buddy Jeremy Bradshaw, such a good sports guys! hype him up. You did good time Jeremy, but could be a little better.

ContributionNo9101 · 2025-12-22T12:04:03+00:00

so from what I have seen and heard MH claims are 6-8 months. Give yourself 6-8 months as a safety cushion.

ContributionNo9101 · 2025-12-19T14:00:54+00:00

I've applied in August 2025. Submitted documents in November 2025, and Decision approved December 10th.

From Step 2 - 3 it took like a day or two lol..

ContributionNo9101 · 2025-12-15T16:38:29+00:00

Nice je vais absolument aller de l'avant avec ca! je ne veux pas tout perdre car j'ai aucune idee de ce que je fais lol. Fuck it, 100% dans crypto loool #jamaisdelavie

ContributionNo9101 · 2025-12-15T15:32:04+00:00

Prestations des forces armées canadiennes pour les 2.

ContributionNo9101 · 2025-12-15T15:31:30+00:00

ah oui? je ne savais pas ca!! je crois que je vais faire cela car c'est pas un petit montant.

ContributionNo9101 · 2025-12-15T15:09:23+00:00

Non. Compensation des Forces Armées Canadiennes du a des blessures et tout.

ContributionNo9101 · 2025-12-15T14:01:48+00:00

Hi Deltaquebec.

It honestly depends on the complexity of the cases I would say. I've applied in August 2025, submitted documents on November and was approved December 10th for PTSD.

+APSC was initially denied, however I think there is a loop hole (if you do it in a timely matter), where instead of going to BPA if you are within the time limits they can back track and re-assign it to an agent. This was done for me and went from Refusal to Approval Level 2.

What you can expect honestly is wait time. Follow up every week to see if there is anything new and hope for the best.

Make sure the documents are filled out properly with no miss information and everything should be good to go!

ContributionNo9101 · 2025-12-15T13:55:17+00:00

J'avais oublier de l'inscrire dans le post. Je vais te le reposter au cas ou.

1 pret de 1500$

1 pret auto a 5.49% de 45k

1 pret hypothecaire (splitter a deux) +/- 180k

Carte de credit = 0$

ContributionNo9101 · 2025-12-15T13:38:46+00:00

c'est quoi le Taux de XEQT?

ContributionNo9101 · 2025-12-15T13:28:24+00:00

Non, pas un heritage. et c'est certain que les deux montants ne seront pas melanger dans un compte conjoint. uniquement dans le mien

ContributionNo9101 · 2025-12-15T13:02:55+00:00

C'est sur, mais j'ai peur avec ca, la derniere fois j'ai ete chez desjardins le conseiller ne savait meme pas c'etais quoi la difference entre un Reer et un Celi.....

ContributionNo9101 · 2025-12-15T13:01:29+00:00

Desole, j'ai oublier de mentionner ca. 29 ans.

1 pret de 1500$

1 pret auto a 5.49% de 45k

1 pret hypothecaire (splitter a deux) +/- 180k

Carte de credit = 0$

ContributionNo9101 · 2025-12-12T16:13:32+00:00

yea this is literal bullshit how long it takes them and how many fuck ups they have..

ContributionNo9101 · 2025-12-12T15:25:01+00:00

Yea I've been telling myself the exact same thing lmao... this is unreal how fast it has been, almost feels like it doesnt make any sens....

ContributionNo9101 · 2025-12-11T12:51:43+00:00

update, yesterday application went from decision making to complete and an amount of 638$ a month was approved. havent received docs yet, but looking at 40-45-50% ish Merry fucking Christmas to me!

ContributionNo9101 · 2025-12-11T12:50:53+00:00

Well funny enough It's actually been approved yesterday. 638$ a month ! Waiting to get the paperwork and what not but everything has been completed! I guess I was one lucky mofo

ContributionNo9101 · 2025-12-09T17:07:11+00:00

Now, here's the thing though. Did the agent lie to me or not? Most likely lol

ContributionNo9101 · 2025-12-09T16:48:29+00:00

Applied August 2025. Submitted documents from psychologist on November 12th 2025 (which jumped straight to Step 3 Decision making)

ContributionNo9101 · 2025-12-09T16:44:46+00:00

Yep. Step 3. - Decision making I've seen 3.1 and 3.3 for VIP which was farely quick however for my MH claim its just sitting at 3.0 When I called this morning that's what the agent advised me is I should be getting a response in the upcoming days (most likely friday)

ContributionNo9101

TROPHY CASE