For you to be placed on the Temporary Disabled Retirement List (TDRL), your Service must determine that you have a physical condition, injury or disease that renders you unfit for military service, and you must receive a disability rating from the service of at least 30 percent. This rating is a separate rating from the one given by the Department of Veteran's Affairs (VA).
TDRL members are re-evaluated by the Service at least every 18 months for a period of up to five years. At that time, your Service determines whether the situation has improved, remained the same or has gotten worse. Depending on the outcome, you can be retained on the TDRL, separated from service, returned to duty or placed on Permanent Disability Retirement List (PDRL).
As long as you are on TDRL or PDRL, you are eligible for TRICARE benefits as a retired service member (as long as you are registered in DEERS). Your eligible family members (registered in DEERS) are also eligible for TRICARE benefits like any other family member of a retired service member.
If the Service disability rating is less than 30 percent, you are separated from active duty and may qualify for transitional health care benefits:
Keeping Minimum Essential Coverage
While covered by TRICARE, the Transitional Assistance Management Program or the Continued Health Care Benefit Program, you have minimum essential coverage under the Affordable Care Act.
If not or after you lose these benefits, you can search the Health Insurance Marketplace to find civilian health coverage that fits your budget and meets your needs.