That's a very good question because I think the trigger to be severely disabled is 78%, so 80% would make this person disabled and they would get their lump sum and then monthly support payments.
Our position on this is very simple: you're so bloody close to having a real pension if you just didn't reduce it at age 65, because at 65, you go to what you call a 2% pension. Everybody thinks that's 2% per year of service, but it really is a 2% lump sum payout on the money that is collected, and the benefit you get for that period of time is subject to tax and has clawback provisions.
If those little cleanups were done, you've got that one pegged, because under workers' compensation programs, the benefit is reduced to 75% to make it non-taxable. It's really a 100% compensation package reduced to 75% to make it non-taxable. Under the new Veterans Charter, you make it 75% and taxable, so that's the difference. Then you make it “clawbackable” and I think that's the worst thing you're doing because it's a disincentive for these guys to find meaningful employment.