erock,
TDRL is for any condition over 30%- it doesn't matter if it is one condition or seven. Yes, your rating can decrease on any or all conditions. It can also increase.
They can "mess with the rating" when the condition either improves or worsens.
rback,
Just my 2 cents but I think you will be better off on TDRL.
TDRL is not a bad thing to be on.
With 80% you will get 75% of your base pay(75% is the max retired pay allowable-- equal to a 30 year retiree). It is offset by VA pay-VA pay is not taxable- someday chap. 61 retirees might get CRDP. So if the Army pay is $1000 a month and VA pay is $300- you will get $700 (taxed) from the Army and $300(untaxed) from the VA.
If you take severance you get a lump-sum payment that is taxed- you have to fill out a form to recoup the tax. I believe the VA will wait to pay you untill the offset is made up.
On TDRL you will also get a blue retired ID card and all privileges to a retiree-PX, commissary, pharmacy, healthcare on post,etc.
You are eligible for Tri-Care it is very affordable for a family---VA is not health insurance and will only treat you- not your spouse or kids.
You will have to be re-evaluated periodically on TDRL and you should show you are continuing care- Tri-care can help you afford this. I had back surgery and spent a month in the hospital the bill was well over $200,000 and I paid next to nothing.
Since your condition/s are considered unstable, your rating may increase or decrease on re-evaluation. By the end of the 5 year mark if your rating is 30% or higher you will be PDRL, if lower than 30% severance, or you may be recovered and returned to duty if you choose.
If you sell back your leave you will be paid a lump sum(base pay) and taxed at a higher rate. If you stay in and take as much leave allowed, you will get paid housing and separate rations, assuming you get these to begin with.
If you are TDRL or PDRL then you can continue with Tri-Care and retiree privileges--- if severance you get a bunch of money and maybe a handshake and it doesn't take long to piss away some cash.
I say go with the TDRL and good luck!