Veterans who leave military service because of disability face a difficult transition. In the case of Malaysian Armed Forces (ATM) personnel, discharge due to service-related disability usually means receiving a pension that is approximately half of their last drawn salary. At the same time, they have to deal with medical costs, rehabilitation expenses, and in many cases, reduced chances of getting employed again. This combination of lower income and higher costs makes their economic situation quite difficult. The problem does not stop at the individual level. In most cases, the veteran's spouse becomes the primary caregiver. This affects the spouse's ability to work full-time, which further reduces household income. Research from other countries has shown that this kind of double burden where the veteran is dealing with disability while the spouse is dealing with caregiving leads to serious financial problems for the whole household [1][2].

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Keywords: Economic, Vulnerability, Social Protection Gaps.