It’s only for mobilizations to combat zones and (much later) national emergencies. You don’t explicitly mention the date that you’ll turn age 56, but I’m guessing that it’s before your MRD of 21 August 2020. I had assumed since I was forced out by MRD (not my choice or voluntarily retire) my pay would be at the 06 rate, but instead they blended it to 1/2 05 and 1/2 06. I want to decide if the increase in retired pay is sufficient to stay in the Air Guard as a Drill Status Guardsman (DSG) another 28 months, until I reach age 60, or if I should just retire in the next few months. The Reservist was allowed to continue to do drills and ATs, and one 29-day ADT per fiscal year. Third, based on the info I have give and your knowledge, what is a ballpark figure for my retirement? I’ll be 28 years in at age 67. You might find a service-specific calculator behind a CAC login, at a Reserve center, or at a Guard armory– but of course a lot of Reserve/Guard servicemembers don’t have CACs and might not have convenient base access. However that’s just guidance for the state courts, and your specific situation depends on your divorce agreement. Awesome article! Federal law Title 10 U.S. Code section 1401.a(f)(2): https://www.law.cornell.edu/uscode/text/10/1401a The Financial Management Regulation (DoD 7000.14-R article 0304: https://comptroller.defense.gov/Portals/45/documents/fmr/current/07b/07b_03.pdf Public Law 103-337 (search for the keyword “Tower”): https://uscode.house.gov/view.xhtml?path=/prelim@title10/subtitleA/part2/chapter71&edition=prelim. That’s absolutely right, Gail, the pension is paid as a 30-day month. Once your Army records are included in your Navy record, then BUPERS should forward the information over to DFAS. The first option is to “retire awaiting pay”. That includes Tricare at age 60, Tricare For Life at age 65, and Social Security somewhere between ages 62-70. Note that this delay is only worth doing for Final Pay retirees. At that point you’ll be eligible for a Reserve retirement. She … Most Reserve/Guard retirees are willing to take this risk because the Department of Defense pays for it. It’s generally used to for homeland security missions but may have different definitions of “active federal service”. I’ve been crunching pension numbers for nearly 20 years, and I have no idea where that point-value system came from. E-8>34 or >36 pay in 2019 will be ~$6197/month. However, I have no idea what my retirement pay will add up to. For those who are in the BRS, the multiplier is 2.0%. The question is whether your duty status was actually earning you points or whether it was just putting you in a position to be quickly mobilized if necessary (no points until mobilized). My total career points are 6050. I don’t know if this is your area of expertise but I have another question. I am making progress on my own, as of Sep 2014, I have three retirement certificates and am finally going in the right direction. Disclaimer: This is a privately owned website and is not affiliated with the U.S. government, Department of Defense, Department of Veterans Affairs, or any other government agency. Thanks Doug. Federal law also allows the service secretaries to waive the three-year time-in-grade requirement down to two years, so you probably would’ve been good even if you fell a little short of three years. CSRS Voluntary Contributions Program book, Exclusive Online Workshop: 3 Critical Concepts for Your FERS Retirement, New Book on CSRS Voluntary Contributions Program. Both are very senior reservists. That’s considered training, not active duty, and that’s all approved by the local Reserve Center and the gaining command. Reaching TIG may be easier than you think. Once he’s answered your questions, then you could either take the USPS’ word for their numbers (which you’d help them calculate) or have a lawyer advise you on any details of the federal law. Let me know if you have a DIEMS before that date, even for the Delayed Entry Program or by attending a service academy. I thought my pay was just suppose to be my total points times point value for rank and years. Eddie’s post on the process can help you walk through the paperwork and decide whether it’s still a good deal: http://gubmints.com/2013/03/26/gubmints-comprehensive-military-service-credit-deposit-guide/, If you haven’t already seen the DFAS part of the process for making your payments, here’s their page: https://www.dfas.mil/civilianemployees/militaryservice/militaryservicedeposits.html. There is no REDUX retirement plan under non-regular (reserve) retirement. Confirm your point count (and for those who are at 20 good years, make sure you’ll get your Notice of Eligibility) and then take a six-month Authorized Absence from drill weekends before retiring. I spent 11 years (1983 – 1994) in the active US Navy where I achieved the rank of CPO (E-7). What if you haven’t reviewed your SF-50s? You want to make sure that your retirement occurs as an O-3. They also neglect additional expenses like health insurance. If you’re on active duty or in the Reserves then you’ll probably have a better chance than me of figuring out when .39G will be released. An active-duty retirement calculator requires different information than an army Reserve calculator; namely, Reserve retirement is based on retirement points rather than active service, as mentioned above. I know you have to be in a reserve status called to active duty for the reduction to occur. If you’re turning age 60 in November or December 2018 then it might make sense to start your pension in January 2019, when the pay tables are (hopefully) 1%-2% higher. That’s the average of the 18 months of O-6 pay and the 18 months of O-5 pay for the pay tables in effect at the time you started your pension. You retired awaiting pay in 2007 as a NG E-7 with 21 years of service, and your longevity advances (until your pension starts) just as if you were on active duty the entire time. my 29 years of service ?? When you add another 10 years of active duty to that Reserve record, you’ll reach 20 good years and have over 4000 points. That’s your service percent multiplier, just as an active-duty retirement at 20 years would be 50%. FERS disability benefits are computed in different ways depending on the annuitant’s age and amount of service at retirement. If the pension payment doesn’t start on the date you were promised then contact DFAS directly about your Retiree Account Statement at https://www.dfas.mil/retiredmilitary/manage/ras.html. Guard units are notorious for not having the earlier Army service dates in their database. Those two deployments don’t count for an early Reserve retirement if you were part of the active-duty forces during those two deployments and not a Reserve or Guard member who was mobilized on Title 10 orders. Table 4-2 of AR 135-180 appears to match federal law with the “Voluntary separation” column for the “Officer: O5 and above” row requiring three years. (Normally I would say yes, However the DOJ did a VA waiver to get me in the system, so I will never get my LEO retirement (will be short of my 20 years). If you want to do the calculation in today’s dollars then just take roughly 96% of the latest pay tables for the maximum pay in your retirement rank. It’s an important benefit for FERS planning to... FERS retirement benefits are complex. Thanks, CWOK, and congratulations on your retirement! Copies It requires DFAS to check the pay table increases against retiree COLAs for the years after you made E-9. You probably retired awaiting pay with at least three years time in grade as an O-6 (or a waiver down to two years), so your pension is calculated from that rank. In case BUPERS changes that link, here’s an excerpt of the text from the FAQ: 1. Thanks Tony. You also need to make a decision about the Survivor Benefit Program. ROTC Summer Training Credit. If your PEBD is wrong by a few days or weeks then it might not matter. I am now the correct rank from SSG to CPT, but still at the wrong retirement percentages for years of service and wrong retirement. You can do points in the IRR, but before you make that leap you should make absolutely sure that you’ll earn a good year. Thanks for giving a thorough explanation on reserve retirement. Your federal retirement pension will not keep pace with your increased costs of living. Zach, I’m pretty sure that does not count. If you’re not near a military site then contact your service’s Reserve/Guard personnel command directly and ask them to update your file. He’s looking for the regulation that defines AFS and specifies what the calculation includes. In July 2002 you would have gone >10 years. The parenthetical in your note is obsolete. At some point you’ll be asked to log in to your MyPay account and verify your contact information. If you go into the IRR for even one day then you technically lose your TRS insurance. After Sep 2014, those 90 days can accumulate across fiscal years. At the E-7 paygrade, that tops out at E-7>26. Lots of Federal Employees have had prior military service. However you could keep accumulating points on drills and shorter orders, even if you go over 18 years of points. Considering I was an ROTC cadet who selected active duty, does that count as being called to active duty and apply for the reduced retirement age? Paragraphs (B) through (F) cover some exceptions to that three years which apply to very few people. Forgive me for preaching to the choir about this, but ideally you’ve already received your Notice of Eligibility and filed for retired awaiting pay (gray area) status. By December 2020 you’ll ideally have everything in your official Army National Guard database and updated, waiting only on your 20th good year and your Notice Of Eligibility letter. That 90-day period does not have to be contiguous. If you’re eligible to start your pension at $2900/month in August 2019, then the only reason you’d delay it would be to continue serving (until your MRD) for at least $2900/month of pay & allowances. Is a remarried ex-spouse entitled to any of my USNR retired pay. I enlisted in AD USMC in 1977, completing 3 years of honorable service in 1980. If you’re passed over you may still have to apply for TERA, and there’s no guarantee that you’ll be accepted. I was informed several years ago that I could rejoin the Navy with up to a 30% disability rating and even confirmed it in person downtown. The calculation verifies that (if you’d filed for retirement at the moment you made E-9 on active duty) you’re still getting the highest pension to which you may have been entitled, especially if retiree COLAs were higher than active-duty pay raises. Just wondering. They’re essentially for situations beyond your control which prevent you from serving three years, or when you’re an O-5 select (still awaiting Congress’ approval for promotion) serving in an O-5 billet. You may have better luck with a Reserve or National Guard recruiter, but keep searching until you find one who’s willing to work with you. I’ve been around the block a few laps and I have the spare time to research this information. For example, if a Soldier gets 90 days credit this fiscal year, he or she would be able to retire 90 days before age 60. Both of them depend on the “Date of Initial Entry into Military Service” or “Date of Initial Entry into Uniformed Service”. HELP! After reading all the questions above, I don’t feel as bad. For each one, you’ll take the max pay at that rank (max longevity) and the number of months of that year. The term “Final Pay” has a specific meaning for those who’ve entered the military before 8 September 1980. It’s worth your time to have a JAG review your service records and your waiver plan to make sure that I’m not missing any details. It was rarely approved during the last 13 years of war, and in a drawdown it would be extremely unlikely. I had a lot of active duty. Where can I get my calculations for points earned (14 Active/14 Reserve). Also offered, for a small premium, are accidental death and dismemberment insurance, group legal insurance, and auto and homeowners insurance. HRC Start here: Christopher L Hill LTC, AG Chief, Gray Area Retirements Branch (GAR), U.S. Army Human Resources Command 1600 Spearhead Division Avenue Fort Knox, KY 40122 Work Desk: (502) 613-8452. Q. I am a 59-year-old FERS employee with 33 years of federal service. The new calendar year’s first payment is boosted by its cost of living adjustment– which continues at the new level for the rest of the year until the following year’s COLA. Once the basic annuity is computed, it may be reduced for any service for which retirement contributions were not made (“deposit service”). Shawn, these are excellent questions for a future blog post, and I’ve sent you a long e-mail (from NordsNords at Gmail) about the issues. (If the orders are for more than 29 days then other benefits kick in, like Tricare.) If your disability rating is at least 50% (and combat related) then you may be able to receive both your full Reserve pension and your VA disability compensation. I owe less than $10,000.00. When we talk about your FERS Retirement, we’re really talking about several different benefits. (That could be one deployment or the sum of a series of shorter deployments.) More importantly, you want to make sure that DFAS also has that information in your record, or else they’ll default to High Three. Please review our Customer Relationship Summary (Form ADV Part 3) for important information about our services and fees. That’s pretty rare these days, and us remaining Final Pay dinosaurs who are still in uniform are either admirals/generals or Reserve/Guard members with very long breaks in service. Just oficially hit “Retired awaiting pay” this 1Apr. I already have a disability rating of 30% from my active duty time when I was involuntary separated. You’d add another 12 months of max pay for that rank in the 2010 pay table: $4674.60 * 12. Once you know your High-3 Salary, the next step is to calculate your Years of Creditable Service. Additionally, I will have 4 years of qualifying NDAA (post January 2008) service. This has been the blog’s most popular post nearly every day for almost six years, and it’s because the manual method works better than any existing calculator. Although Congress has authorized the Temporary Early Retirement Authority legislation through 2018, each service uses it at their own discretion. That option is no longer available as of spring of this year (2016) – the only way to get a ‘good year’ of 50 RPs or more this year and beyond is to become an active USAR member via acceptance of a TPU position or find an IMA/DIMA slot & affiliate with some organization and make the Unit Training Assemblies [UTAs] and/or perform Annual Training [AT]/Additional Duty/’split train’, etc. The Defense Finance and Accounting Service used the Tower Amendment to calculate the High-36 average to give you the higher pay base to use in the Reserve pension calculation. If so please leave us a comment below. Next, calculate your Reserve pension (assuming it starts at age 60 as an O-3) and compare it to your TERA pension. Divide your grand total career point count by 360 (because your pay is based on 30-day months) and multiply by 2.5% to come up with your service multiplier. That still starts at age 60 regardless of deployments to combat zones. Unlike the active-duty retirement formula, the extra Reserve/Guard years themselves are not part of the calculation. I have another question. If you were mobilized for at least 90 days to a combat zone (or, for National Guard, some domestic emergencies) then you might qualify for an earlier pension start date. It’s possible that future pay tables (when you’ll be 60 years old) would change the longevity years for the maximum pay. I hear that, Sallie. Q. Your base pay is already maximized on the pay tables and the High Three average is not worth waiting for a pay raise, so the only advantage to delaying the start of your pension would be if you’re on active-duty orders all the way up to your MRD. Can you help me figure out how the point valuation factor, used in retirement calculators, is determined? For example, 2134 points / 360 * 2.5% = 14.82%. Hope this helps. Your “point value for rank and years” number is simply a calculation used by the services to determine roughly how much money a point is worth. You’re going to have to contact the Defense Finance and Accounting Service directly on this one: https://www.dfas.mil/retiredmilitary.html, You can apply from overseas, and you will need a bank account for electronic deposit of your pension. Initial Entry was 7/15/1982, but my PEBD is 11/8/1984. After reading some of the other questions on here, I don’t feel like I’m the only one with a very unusual situation. Short- and long-term disability income protection and business travel insurance are provided to you at no cost. I am similar to one of the comments above. Maybe the result would be $2900/month. I’m not sure of the Army meaning of the phrase “TPU soldier”. 2. Spoke with HRC for USAR just yesterday, 21 July, re: IRR earning retirement points [RPs] for correspondence courses. Thank you. You’ll want to do the math for those incomes and expenses as well as your pension calculations. But you can determine your RSCD by a thorough review of your SF-50s. So their FERS Retirement pension formula comes together as… Let’s take an example. If no military base is nearby then the next choice would be to consult a civilian lawyer (preferably a military veteran) with experience at having retirement records corrected by military review boards. The good news is that you didn’t really have a “choice” on Final Pay or High Three. Also is there a way to calculate my active years in service. If they can’t show you the references to explain what they should do (as described above) then your next step would be a visit to the JAG. The Reserve/Guard services want to avoid inadvertently letting their members reach sanctuary (and an active-duty retirement), so they track everyone with more than 16 years of points and restrict their mobilization opportunities. However, I cannot figure out how to determine the point value to use in the calculator for the “Member Projected Information” section when using the “Future Pts Value” selection of the “Based on Pay Table of Year” required information. You could use those estimates to calculate the 36-month average of your O-5 base pay. The active-duty services may not know to send you a Notice of Eligibility, so you may have to query your Reserve force headquarters to produce one before you leave active duty for “retired awaiting pay” status. For a Reserve or National Guard retirement the pension is typically calculated from the rank for which you met the time-in-grade requirement. This status is tracked in your service’s Reserve/Guard databases, and you may be issued occasional updates. You may have to “prove” it to HRC one more time when they contact you (around age 59.5) to do the final paperwork for your pension. Any ideas? This retirement plan offers a pension after 20 years of service that equals 2.5% of your average basic pay for your three highest paid years, or 36 months, for each year you serve. 7 CLASSIC RETIREMENT MISTAKES Federal Employees Make. Your active-duty service counts toward good years. You’d be able to continue to do drill weekends and ATs but the only way to get orders of more than 29 days (let alone mobilization) would be with a three-star general’s approval from AF personnel HQ (the active-duty HQ, not the Reserve HQ). You need solid legal advice on both of these criteria before you can count on the numbers. I have 20.5 good years, retired as an O4, and have 3,073 points. Great article! You started getting O-5 pay at 0001 31 Aug 2018 and you’ll retire awaiting pay at 2359 on 31 Aug 2021. https://www.dfas.mil/militarymembers/payentitlements/military-pay-charts.html https://www.dfas.mil/dam/jcr:ccc8e348-187d-4bff-9e39-b113ad7fa67d/MilPayTable2018_4.pdf. https://www.dfas.mil/Portals/98/Documents/militarymembers/militarymembers/pay-tables/2020%20MilPay%20General.pdf?ver=2020-04-22-114904-720 Figure out how many years of service you’d technically have at age 60, check the numbers in the pay table for your retirement rank, and see whether that incorrect PEBD date gives you a different pay amount. Congratulations on your service– there’s not many Final Pay members still on duty! Thank you so much. It’s amazing what retirement gives you the time to research…. I’ve heard you have to repay it, but can’t find the source document, and am also wondering if it’s the pretax or the post tax VSP amount. Even though you could apply for retirement when you’re around 23 years of service, your pension would be calculated from the maximum longevity column of the future pay tables in effect when you start drawing your pension, Greetings Doug, I read several comments in your blog about calculating final basic pay. My MRD is 20201231. Can you please provide me with assistance in making the correction decisions. You’re in the window to hear from your service. If I make O-5 this year I plan on retiring in three years. Copyright © 2020 The Military Guide. If your Reserve pension starts at age 60 and your 60th birthday was in 2017, then you base your pension on the 2017 pay tables.
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