UTBAS, Good to hear you got to at least 30%! The question you have to answer is whether it is worth the risk challenging. Since they found the narcolepsy unfitting (hence the 0% rating) you can challenge this in the future TDRL re-evaluations. On TDRL, you will get paid a minimum of 50% of your base retired pay. That is not correct about 60% bumping you up to 75%. The only significance of 75% for pay purposes is that is the maximum award allowed by law. You need to be rated at 80% or higher to receive the 75%. In most cases, I would consider the fact that accepting the Informal Board's findings raises an issue of "waiver" of later arguments. But since they found you unfit for the narcolepsy, and you can argue for a higher rating at later hearings, this is less of a factor to consider in your case. As Mike suggested, you may not do better once your VA compensation kicks in due to not being CRDP eligible. Ultimately, you have to decide what is right for you. You have some risk they could lower your rating, and you will have to reach 60% to get a better deal than you currently have. I hope this was helpful. Let us know other questions..