In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date (or your protective filing date, discussed below) -- if you were disabled that long ago.
Characters will receive one specialization point at level 7 and another at level 14. Specialization points can be saved for later levels or used mid-level (the Level Up button on the stats sheet will be active if there are unspent specialization points).
The NQF allows for two exit points at Level 5: a Higher Certificate of 120 credits and a National Diploma of 240 credits. Although it is not compulsory to make use of both these exit points, the SGB decided that it is appropriate to do so.he NQF allows for two exit points at Level 5: a Higher Certificate of 120 credits and a National Diploma of 240 credits. Although it is not compulsory to make use of both these exit points, the SGB decided that it is appropriate to do so.