I went to the Ready Reserve (gray area). After 20 years, each year of service is worth 3.5 percent. SECNAV has asked that the recoupment be waived for amounts under $10K. Retire in March 2019 as an E-7>34 with 4046 points and start your pension in November 2019. “Submarines once!” In 1984 I was just arriving at USS JAMES MONROE BLUE. I will keep you posted on the results. So in your case you’ll remain “retired awaiting pay” (gray area) until your Reserve pension starts. You could estimate that E-7 pay in 2020 tops out at $5511/month and in 2021 at $5594/month. Stephen, you’d have to spreadsheet the math to decide whether finishing 20 for an enlisted active-duty pension is better than going to the Reserves for an officer’s pension. If you’ve had a different experience, please post about it in the comments! version: 1.0e: 04/15/2019. However BUPERS N9 (and CNO N13) screen orders when the servicemember is ordered to active duty (30 days or more) via ADT, ADSW, or even mobilization. Who can I talk to? My question: I have approximately 26 good years for reserve retirement, with 13 good years as an officer, 9 years as an O3. The pay amount for a single drill would be equal to 1/30th of the 2021 active duty basic pay. The service secretaries can waive that requirement down to two years. To buy back the time I need the points to be converted into actual months/years. Since you’re retired awaiting pay, you’re also eligible to purchase Tricare Reserve Retired health insurance until your Tricare starts at age 60. In addition, DFAS will notify each individual by separate letter of how much their retirement pay will be affected. You’ll be able to use their calculators and their guides on the Survivor Benefits Plan and their articles on retiree taxes. However if you elected to delay your pension by a few months then it could start at the pay in effect on the 2019 pay tables. Otherwise, you’re “High Three”. You’ll also have to check that your orders comply with the deployment requirement to support combat operations. If you had retired under the active-duty system with Final Pay or High Three, your multiplier would have been 2.5% per year of service. What am I looking at for retirement? You’ll use today’s pay tables for your estimates because that produces results in today’s dollars. You’ve used the phrase “final basic pay”. 4. I currently have 5324 points and ran the numbers in your article. There is no calculator, just more instructions on how to calculate. What documentation must I provide to my agency for the purpose of computing a reservist differential? Second, when you’re retired awaiting pay (gray area), your longevity in your rank continues to accumulate as though you were on active duty the entire time. Just about any lawyer or paralegal should have the tools to research the law and the case history, although a military lawyer will be more familiar with recent precedents. To further confuse the issue, your friend could have had their orders citing the wrong federal law codes. If they’re using a different number then you’d have to correct that with your drill records and your DD-214s. Thanks for putting this in English, but I do have one particular question: If you enter the retired reserve well before 60 (“gray area”) but have not achieved the minimum time in grade at your retirement rank in order to qualify for that retirement pay, do you actually lose the rank you were promoted to? While their IRR counterparts, serve in an inactive status after completion of active duty or electing to transfer into the component. I was actually discharged in 1988 and with to work for the Postal Service in December 2000. The basic retirement formul… My MRD is 20201231. My LES shows 34 years of service so I am over 26 years for pay purposes. https://www.dfas.mil/militarymembers/payentitlements/military-pay-charts.html, Here’s the numbers I’m using: 2018 O-6>32: $11,599.80 2017 O-6>30 and O-6>32: $11,328.00 for both 2016 O-6>30 : $11,094.90 December 2015 O-6>30: $10,952.40, The November 2018 High Three average is: [(11 x $11,599.80) + (12 x $11,328.00) + (12 x $11,094.90) + $10,952.40] / 36 = $11,322.91, 4833 points / 360 x 2.5% x $11,322.91 = $3800/month. If that’s correct then your Reserve/Guard pension is indeed calculated from your final base pay. 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. To calculate estimating retirement pay: Basic Pay × Number of Years Active-Duty × 2.5%. The date of your 60th birthday. If you start your pension in September 2020 then your High Three average is eight months of the 2020 O-5>22 pay, 12 months of 2019 O-5>22 pay, 12 months of 2018 O-5>22 pay, and four months of 2017 O-5>22 pay. Once you determine which retired pay base system you’re under, you’re ready to calculate your service percent multiplier. You shared some points that I don’t usually find in retirement blogs. If O-3 for 10 years gets you more/less than E6/7 for 26 years or the opposite, then take that into account. You’ll earn even more points (and good years) as an O-5. Over 99.99% of Reserve/Guard retirees choose this option. If you have not received notification four months prior to your 60th birthday, please contact PERS-912 by calling 1-833-330-6622.” However BUPERS has been shorthanded on processing pension requests, and you may want to apply as early as June (nine months in advance). There are three different dates which could affect your retirement pay, and I’m having trouble figuring out how to put them on the calendar. My only question is if there is a time period required to stay in the reserve to retire as an 0-5 once pinning it on? Thank you for all your hard work. You can tinker with these formulas if you change the dates or the ranks. The term “Final Pay” has a specific meaning for those who’ve entered the military before 8 September 1980. After reading all the questions above, I don’t feel as bad. To simplify that calculation you could also assume that the High Three average of those months is 96% of today’s pay, which reflects annual pay raises of roughly 2%/year. You will always get paid when you train. Doug you are extremely kind to take so much time to assist with these questions. I was an Army reservists from July of 1992 until July of 1998. Of course you’re also free to use insurance from a civilian employer, to search for a better policy on the ACA insurance exchanges, and to use the VA for your service-connected health issues. Jim, your civil service time will not count toward a military pension. How can I talk with a real person who can help me? You can also discuss whether your point-count records with them include your previous active duty. All seems right on. The 2015 NDAA fixed a glitch in the 2008 Act and now lets those deployments cross fiscal years. This is the amount that the retirement pay is based on, not the pay rates at 32 years, is that correct? That’s [(9x$5291.40)+(3x$5430)+(9x$6197)+(12x$6290)+(3x$6384)]/36 = $5953.27 The pension is (4146/360) x 2.5% x $5953.27 = $1714/month. I joined active army in 1978 and spent a total of 12 years of active duty and another 12 years of Army National Guard with a total of more than 25 years! Per DoD Instruction 1215.07, members will only be allowed one point per day. Way back on page 31 of that PDF, the FERS section says that the CSRS rules in section 22A2 also apply to FERS. If you’ve deployed to a combat zone since 28 Jan 2008, or mobilized for some national emergencies, then your pension could start a few months earlier. Would they be eligible for active duty retirement (i.e., receive their retirement pay immediately)? He’s also a Reservist in a civil-service billet, and if he doesn’t immediately know then answer then he’ll know where to find out. That’s why this post shows you how to make sure that your estimate is accurate. DoD requires that your pension be deposited directly in your financial account, so you’ll also need to check that they enter your account numbers correctly. Let’s see whether we can confirm that. How difficult is it to revert back to drilling status from IRR? So, maybe you can assist me with a couple problems. Regardless of rank or the size of the pension, I think the most significant factors in a military pension are the cost-of-living adjustment and the cheap Tricare premiums. I understand over the years the way retirement points are calculated has changed. As an O5? My calculations indicate $3727.45 a month based upon the 2017 chart. Therefore, the 2018 E-7 monthly pay for over 34 years/26 years is $5,291.40, and $5,291.40 * .281 = $1,486.74 That is pretty good for doing what I love..serving my country. Yeah, I sent an email to DFAS and got an email saying they have my email — but no actual answer. I recently was approved for an MSD waiver to earn points past age 60 (SECAF Waiver to Title 10 USC 12308). By this point you’re praying that the command recorded your report/detach dates in the deck log, and that the deck log is legibly filed at the Naval Archives. A good year is defined as one in which you earned a minimum of 50 points. You want to make sure that your retirement occurs as an O-3. That would hypothetically cap your point count at about 7300 points because you’d retire and immediately start an active-duty pension. For instance, I have 1826 points and have point value of .426 (O3 with 22 years). Thanks to Reservist and CFP Jeff Clark for researching the history of participation points. The pay amount for a single drill would be equal to 1/30th of the 2018 active duty basic pay. View more Generally, employees must submit a copy of their military orders and copies of their military leave and earnings statements showing the amount of military pay and allowances they received during this active duty period. Hello, I was in the army reserve for eight years, and my unit disbanded years ago…I do not have my army reserve points statement in my records… How do I make or find the people to create and calculate a points statement record?? Thanks. Each drill counts as one point (a typical weekend has four drills), as do the days of active duty in the Reserve/Guard for training or mobilizations. Thank you for saving me from 2-3 more long deployments away from my family. I wouldn’t delay the start of a High-Three pension because it takes so long for the (very slightly) higher payments to make up for the skipped deposits. However you could keep accumulating points on drills and shorter orders, even if you go over 18 years of points. My MRD is in 2029 however I will not turn 60 until 2034. 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. Great article! The good news is that you can have it paid retroactively to your 60th birthday. By the way, if you join AUSN you’ll have access to all their website tools for Reserve planning, including the latest on when you’ll hear from your service and the pay center. Plain English is very appreciated. However, for purposes of this post, we’re going to assume that your retirement eligibility is based on the main requirement of 20 good years. The Military Guide To Financial Independence. The active time (an active-duty obligation or a Reserve mobilization) only reduces the retirement age if it occurred after 28 January 2008 in a combat zone. I entered active duty Mar 17, 1985, have 28 good years between active/reserve duty and 4833 points. You can calculate your retirement pay using the information in this post and your point count. (That 96% assumes two years of 2% raises.) (You may still have to finish other obligations like an enlistment, a minimum time in rank, or a set of orders.) When you reach 20 good years, your service will eventually formally notify you that you’re eligible for retirement. Basically, I want my ID card to still show the rank I reached even though I realize I’ll receive retired pay based on the next lower rank at which I did meet TIG. Thanks! That part is in federal law. I know you have to be in a reserve status called to active duty for the reduction to occur. One way is “retired awaiting pay”, which almost everyone chooses. You can find them through local chapters of the American Legion, the DAV, the VFW, or even MOAA. It tops out at 30. World markets; Top 100 ETF; Forex / Currencies; Cryptocurrencies ; America Rankings. Jeffery, it’s true that federal law requires military servicemembers to retire at age 60 (unless Congress grants an extension). At that point you’ll be eligible for a Reserve retirement. Get the latest on pay updates, benefit changes and award-winning military content. Good retirement calculators are hard to create. 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. When you start your Reserve pension in November 2018, the 36 month average uses 11 months from the 2018 pay tables, 12 months from the 2017 tables, 12 months from the 2016 tables, and December 2015. Even if you request TERA, your service may still turn you down. 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. The Navy should indeed add in your six months and 26 days. Qualifying Year As a Reserve/National Guard member, you must have 20 “qualifying” years of service to be eligible for retired pay at age 60. If you’re miserable on active duty then it’s probably better to transfer to the Reserves, enjoy the improvement in quality of life, and know that your pension will pick up at age 60. I have received estimated monthly retirement amounts from $300 to $4,000.00. The path is indeed difficult, but it still starts with the recruiter. Would that be another option to consider? This is how Reserve servicemembers can still conduct drills and AT/ADT (for points and credit toward “good years”) without exceeding 18 years of active duty service and reaching sanctuary. If an Army regulation (or federal law) supersedes the FMR and Title 10 paragraphs that I’ve mentioned above, then you’ll want a lawyer to help you figure out which takes precedence. Joe, here’s a summary from DFAS: https://www.dfas.mil/RetiredMilitary/plan/separation-payments/voluntary-separation-incentive/ You’re always eligible to collect a pension that you earn through service (or qualify for through disability), but when you receive a pension then you have to pay back the gross amount (pretax) of the VSI. Hope this helps. The Reserve/Guard retirement system calculates the multiplier from your total points. The following section covers earning retirement points in the Guard and Reserves. REDUCED AGE RETIREMENT AD, for this purpose, means service pursuant to a call or order to AD on orders specifying, as the authority for such orders, a provision of law referred to in section 101(a) (13)(B), and performed under section 688, 12301 (a), 12302, 12304, 12305, 12406, and chapter 15 (insurrection), or under section 12301 (d) of Title 10 USC. I had a lot of active duty. That comes from the DoD Financial Management Regulation (the FMR) which has detailed procedures for calculating the Reserve/Guard pension. Don, that form lists your military training and experience. In 1985, I entered AD USAF as an officer and served 7.5 years – again I was honorably discharged in 1992. It’s discussed on page 164 of the 11th Quadrennial Review of Military Compensation. Let’s say you turn age 60 in June 2012. Thank you so much. Service members who entered the armed forces before Sept. 8, 1980, and are still serving can use the Final Pay Calculator to estimate their future military pension amount. View more newsletters on our Subscriptions page. For most ranks, today’s pay tables top out at longevity for 18 years of service, 20, 22, 24, 26, or 30 YOS. The rank is the rank you retired at, but there’s a catch. Depending on the date you initially entered military service, also called the DIEMS date, your monthly Coast Guard Reserve retired pay will be calculated under the Final Basic Pay or High-3 formula as follows: DIEMS Date before 8 September 1980 - Final Pay. Final Pay is only for those who joined the military before 8 September 1980 (with a Date of Initial Entry into Military Service before then), so you’re most likely on the High Three pension calculation. The “problem” is that most officers are given an active duty service date (the date that they actually started active duty as an officer) of the day they’re commissioned. I had all good years and never missed any drills and also pulled extra duty as well. Thanks, Tom, it’s been the blog’s most popular post for nearly eight years! Some of the math depends on your age at retirement and when you’d start a Reserve pension. But now, instead of still getting that same percentage of an E-6’s pay for 2021, I only get a lousy minuscule COLA put on that. You can confirm that with a JAG or with a civilian lawyer who has military experience. That includes Tricare at age 60, Tricare For Life at age 65, and Social Security somewhere between ages 62-70. (That could be one deployment or the sum of a series of shorter deployments.) Army Reserve Soldiers on active duty are entitled to Disability Retired Pay when all the criteria below are met: While serving on active duty for more than 30 days, the Soldier incurred a permanent disability (or permanently aggravated a pre-existing medical condition), which caused them to be deemed unfit for military duty; and Good question, John, and one of the most confusing issues in the Reserves and Guard. Article 2600.3 (Chapter 20, page 20-8), says: 3. Thanks for the update, Charles. Filed for retired pay in July 2019, 2 months before my 60th birthday. I enlisted in AD USMC in 1977, completing 3 years of honorable service in 1980. After a legal review of legislation, DFAS is actually recalculating pensions and planning to recoup overpayments. Thanks for asking the question– I think it’ll help a lot of readers. First, your Date of Initial Entry on Military Service is after 8 September 1980 so your pension is High Three. OR Tricare Prime $600 a year (I believe) for a couple (or with minor children). (Assuming they lived long enough.) To do this, I am using the Reserve Retired Pay Calculator (https://mypers.af.mil/app/processes/form/fn/rpc). I think you’re going to have to get that directly from PERS-912 at 866-827-5672 again. Doug have Greg Potts contact me. March 2021’s High Three E-7 average has nine months in 2018, 12 months in 2019 and 2020, and three months in 2021. I owe less than $10,000.00. I’ve been using them for over 30 years.) Mortgage Rates Are Still Near Record Lows. I live in Florida. If you have a combination of active duty and Reserve/Guard duty, then your active-duty service time counts toward the 20 good years. Another one for you ;). The 2008 National Defense Authorization Act enables early Reserve retirements for combat deployments exceeding 90 days during a fiscal year. Mike, those are great questions, and I’m pretty sure that federal law (Title 10 U.S. Code section 1370) takes precedence over AR 135-180. My unit had several folks enter sanctuary and I helped all of them with this process. Well, personally, I take my full tax free allowance on my pension. There are also special circumstances (mainly medical) when you may be eligible to retire before reaching 20 good years. Now let’s calculate the pensions: 1. If your PEBD is wrong by months or years, though, then it’s worth correcting. Is there any truth to this? I have an active duty retirement, and have been ping pronged all over the retirement services community: RSO, HRC,G-1, NGB, to name a few. Please explain the rules for retiring from the National Guard with pay commensurate with the highest rank held anytime during military service. 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. While Soldiers who meet the criteria can receive retirement pay before age 60, they will still need to wait until their 60th birthday before they are eligible for Tricare, Dorsey said. After reading some of the other questions on here, I don’t feel like I’m the only one with a very unusual situation. It reduces the retirement age by 90 days for every 90 days (in the same fiscal year) in that combat zone. We’ll get to that near the end of this post). A full mobilization requires the President and Congress to declare a war that’s bad enough to require the entire armed forces, and it’s more severe than the Presidential mobilization that was declared after 9/11. Pay rates for non-commissioned members (NCMs) of the Regular Force and Reservists on Class C service are listed below by rank, within each occupation groups. I commissioned in 1994. When you add another 10 years of active duty to that Reserve record, you’ll reach 20 good years and have over 4000 points. Where? Cori, the federal law for early Reserve retirements applies only to Reserve and National Guard members. The drill weekend for an O-5>22 in 2018 is $1237.36 and one drill is $309.34. However if you were issued written orders for this duty then you could have been eligible to receive points which would be added to your total point count. Doug, I have a friend who is trying to straighten out his Active Federal Service (AFS) time as an Army Reserve AGR officer. As one in which you earned a minimum of 50 points 1/30th the... May be eligible for active duty retirement ( i.e., receive their pay... 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