AFCS vs Civil Claim for Military Deafness: Which Route Is Right for You?
Last updated: April 2026
If you have military hearing loss, there are two main routes to compensation: the Armed Forces Compensation Scheme (AFCS) and a civil negligence claim against the Ministry of Defence. You may be able to claim through both routes simultaneously.
| Factor | AFCS | Civil Claim |
|---|---|---|
| Who can claim | Serving and ex-service personnel | Ex-service (limitation rules apply) |
| Time limit | 7 years from injury date | 3 years from date of knowledge |
| Basis of claim | No-fault tariff scheme | MOD negligence must be proved |
| Payout structure | Fixed tariff bands | General + special damages |
| Legal representation | Not required | Strongly recommended |
| Average timeline | 6–12 months | 12–24 months |
| Can you claim both? | Partial offset applies | Seek legal advice |
| Administered by | Veterans UK | Courts / MOD settlement |
AFCS — Pros & Cons
No need to prove negligence
Faster processing (6–12 months)
Can be claimed while still serving
No legal costs
Fixed tariff amounts (may be lower)
7-year time limit from injury
No special damages (loss of earnings)
Civil Claim — Pros & Cons
Can include loss of earnings & care costs
Date of knowledge extends time limit
Potentially higher total compensation
Court oversight of settlements
Must prove MOD negligence
Longer process (12–24 months)
Success fee applies if you win
Which Route Is Right for You?
Many veterans pursue both routes simultaneously. The AFCS is simpler and faster, while a civil claim may result in higher compensation if negligence can be established. A specialist solicitor can advise which approach is best for your individual circumstances. Get a free assessment to understand your options.
Learn more about compensation amounts for military hearing loss, understand how no win no fee works, or check your eligibility to claim.