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Never too late. It gets harder but not too late.
Don’t wait!
Never too late but there are limited circumstances in which you can get retroactive disability
As far as I know you may be able to get disability benefits if you have an illness that started within a year after you were discharged from service. You will be examined because an assessment has to made if the disability that you are claiming is still related to your service.
Got out in 2016. Was just like you. I went from 10 -> 40 -> 60 -> 90. It’s possible. Happy to chat about it.