Again I bow to PNs knowledge, I can't believe how badly I was advised in the early discharge days, ultimately my own fault, but 3 months is a very short time to expect a traumatised dischargee to function at peak capacity. The cynical side of me says that this is another ploy to save money and screw the serviceman, PN is also right about the RBL, get them to hold your hand during the process.
As an aside I did try a late appeal against my initial grading for tax purposes and had the Director of RAF Medical Services at the time of my 'incident' as my star witness, who was appalled at the way I had been treated. 20 minutes before the hearing the RBL rep told me that I could only appeal my latest assessment not the original, which was the one that mattered. Appeal withdrawn.
As a small downside to the RBL they also wouldn't give me a one to one prior to the case so i could sit down and talk it through, not overly impressed by that.