The DFAS number is different from your number because they’re using the proper formula. The reality is that most Guard/Reserve servicemembers never reach sanctuary and continue to earn points. And will I be eligible if I have less than 30 years? If you received your first military ID card before 8 September 1980 (Navy Reserve) then your retirement system may be Final Pay. Our FERS Federal Fact Check for Federal Employees who work with the Department of, “I am retiring on 12/31 at the age of 56 – will my FERS Supplement calculation include 2019 earnings – after they get reported to Social Security. Both know policy inside and out. Please review our Customer Relationship Summary (Form ADV Part 3) for important information about our services and fees. One question I have is if I decide to go to IRR a year before my HYT. It tops out at 30. For more information, please see our privacy policy. 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! 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. I expected more of a “Message to Garcia” retirement, one where people who deal with this for their job would actually do their job. We’d heard about the appeals but I missed that final announcement. I’m going to write up the full response as a separate blog post., which I’ll link to from here. Although, I believe there is a section that seems to indicate that if a Sailor is on active orders and reaches sanctuary, they can remain on active orders? I have tried for years to get an answer and no one and I mean no one has been able to answer my question and I have tried military personnel and former military and still after 16 yrs and 6 months working for the U S Postal Service can not get anyone to calculate/ convert my 12 years in the Marine Corps Reserve military points to actual days, that I may be able to buy back from the federal government/ USPS for retirement. 3. 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. Am I right for being concerned or is there a system in place that provides for soldiers who are as close to retirement as I am? If you began receiving your Reserve pension in 2015, then you’re using the 2015 pay tables. Finally, the Final Pay formula is (Points / 360) x 2.5% x base pay = $/month According to the rules in the FMR, the first division is carried to three places and rounded to two. No matter when your pension may start, age 60 is when you’ll also be eligible for Tricare Prime or Select as a Guard retiree. 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. E-8>34 or >36 pay in 2019 will be ~$6197/month. 7. The first issue is the future pay tables that’ll be in effect during the month you start your pension. Is there a maximum number of reserve point that can be earned in a career? Some retirees in their 60s and 70s were recently informed that the credit for service in their late teens/early 20s has been rescinded and they owe a portion of their back pension to the USG. SECNAV has asked that the recoupment be waived for amounts under $10K. If you leave your drill billet before March 2021 then you’ll lose Tricare Reserve Select ($43/month or $218/month for member or family in 2019) and have to spend additional money for Tricare Retired Reserve ($452/month or $1083/month in 2019). Required fields are marked *. My pay base date is 6/87 so at that point I will have 29.5 years for pay purposes which at my current pay grade of O3E has me maxed out at $6880. After reading some of the other questions on here, I don’t feel like I’m the only one with a very unusual situation. How difficult is it to revert back to drilling status from IRR? Author: Doug Nordman Last Updated: November 6, 2020 162 Comments Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entity. 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. Copyright © 2020 The Military Guide. So just to make sure I’m clear I am RET 2 awaiting RET 1 beginning Dec 01 2016. So1826* .426 = $777 a month (estimated- before tax, SBP, RCSPB, etc). But you can determine your RSCD by a thorough review of your SF-50s. If you meet the TERA criteria then calculate your pension using the FMR TERA tables at this link: and consider the issues at this link: For example, the Fed's retirement multiplier is 1.3 percent of salary, per year of service, up to the so-called Social Security integration level (where Social Security taxes apply, currently $90,000), plus 1.8 percent per year for any salary above that level. Let us know if something’s not working for you, and we’ll try to figure out a better way... Continue Reading... We’re military veterans, not financial advisors. Have knowledge of Title 10 USC concerning retirement, DOD FMR vol 7b, and the AR’s. 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. I entered active duty Mar 17, 1985, have 28 good years between active/reserve duty and 4833 points. But, I am beginning to feel the time is near for retirement. In your case they should also pay you for the months you’ve already missed back to your 60th birthday. Nice article. Trauma surgeons and linguists may be in demand, but unless you have a critical skill then the military will be more interested in younger and healthier vets. That’s because during the grey-area years of “retired awaiting pay” you’re technically subject to activation for a total force mobilization (which last happened in WWII) and you’re considered to be serving (for the longevity column in the pay tables) as though you were on active duty right up to the day your pension starts. Good Morning to all, let me start off with my retirement has been a pain since Dec 2017, after 33 years active and reserve I have learned to dot my i’s cross my t’s because all forms had to be correct,and what not,well I guess my problem is with DFAS seems to me after phone calls emails letters etc, they pretty much do what they want? The only rule for Reserve officer retirements is that you’ve served satisfactorily in the billet for at least six months. It’ll be recouped from your pension payments at a default amount of 40%, although you can repay it more quickly: March 2019’s High Three E-7 average has nine months in 2016, 12 months in 2017 and 2018, and three months in 2019. As a matter of fact, DoD concluded that it was NEVER legally permissible to grant such credit and DFAS is recovering pension $$$ from retirees who were granted NROTC cruise credit. You’re considered eligible for retirement when you’ve completed 20 “good years” of service. b. At the pay columns in effect for your longevity when your pension starts as if you’d been on active duty the entire time. However (depending on the nature of your disability) you may also qualify for a medical disability retirement. Good question, Andrew, and the answer needs some math. You can do that with most spreadsheet software or using a website like Some Reserve/Guard members may actually be eligible for a retirement earlier than age 60. (See the last paragraph of the post.) 030501 also means that DFAS might have to do a Tower Amendment verification. I was commissioned in June 1988 and entered the Regular Army as a second lieutenant in September 1988. It’s absolutely essential that you resolve these questions now, before you apply for retirement, in order to avoid having to resolve them through a corrections board after retirement. I continued on for 19 years with DoD. Does reverting to an inactive ready reserve status continue to accrue this time if this does apply to me? I have a little bit of a unique situation too and it has been very difficult to try and figure out how much I will receive at retirement. I Served in the Navy from 1989 to 1994 (Just over 5yrs total). To convert years, months (and days) into years use the Time Factor Table. By the time you’re 60 years old, the COLA could make your TERA pension higher than your Reserve pension. The services have all been clamping down on the courses that qualify for IRR points, and it’s getting more difficult to access them without a valid CAC. For the vast majority of Reserve & Guard retirees eligible for Final Pay, it’s your 60th birthday year. You started getting O-5 pay at 0001 31 Aug 2018 and you’ll retire awaiting pay at 2359 on 31 Aug 2021. What is the proper formula? The more I read, the worse it gets. 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. How did the policy for Midshipman cruise credit for retirement pay change? Have you tried reviewing your Retiree Account Statements for notes about upcoming changes? Do you get paid for 30 days per month or does the retirement pay vary according to the number of days per month? From the vocabulary used during your conversation with the Retirement Services section, it’s possible that they misunderstood your question. The sender was seeking a Reserve Retirement Calculator, specifically for the National Guard or Reserve. Most federal civilian employees hired after 1983 are automatically covered by FERS which is described as a “three-tiered retirement plan” including the following: The pay base for that pension is calculated from the average of the highest 36 months of pay in that rank using the pay tables in effect when you start that pension. (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). High Three = points / 360 x 2.5% x High-Three average = 5324 / 360 x 2.5% x ($9280.20 x 97%) = $3328/month. Points accumulate from both active duty and the Reserve/Guard system., 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. By the way you’re also eligible to apply for Tricare health insurance, either Tricare Select or Tricare Prime: (I am 45). The fastest way to calculate your days of active duty is to subtract the difference between the present date and the date you were mobilized. In this example, your pension would be calculated as…, $100,000 x 25 Years x 1% = $25,000/year………………………………………….or $2,083/month. As an 0-4 with 7 years active and 13 projected reserve years, I’ll only have 3205 points after 20 years. You can read reviews and see how exceptional my customers are treated to give you an idea of the man behind those reviews. My name is Dennis and I served 12 years in the Marine Reserves and I got out with 4.5 years time in grade as a E-6 Staff-SGT back in 1988. I lived it and survived Sanctuary. It’s not “just” your retired pay. Even if you request TERA, your service may still turn you down. I am only intending to work 6 more years and retire and the time served in the military can make a difference. For instance my initial PEBD was 10 Jul 1974; after my three year tour and one year in the USAR, I had a 8 year break in service. 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. Maximum of two points per calendar day applies to IDT Duty. My question: Is PEBD used during calculation of my retirement pay ? Federal law requires three years’ time in grade above the rank of O-4. More details on those requirements are at Ryan Guina’s post: More importantly, you’ll have to make sure that HRC agrees with your 90-day accounting and will start your pension in November 2019. Thanks for the question, NLDekker, but the whole point of the sentence (in the intro to the post) is that most of the Reserve calculators aren’t accurate. You want to make sure that your retirement occurs as an O-3. For most servicemembers, it’s considered the day that you first raised your hand, took the oath, and received an ID card. Returning to drill status from the IRR can be difficult, but it varies by service and by specialty. If personnel branches cite the wrong clause in your friend’s orders then that error can’t be held against the military for pay or retirement purposes. There are also special circumstances (mainly medical) when you may be eligible to retire before reaching 20 good years. The details and chronology of the law are in this post by ANG servicemember Ryan Guina: You’ll need to go back over your deployment orders and your DD-214s to make sure that you have valid 90-day periods with each one before October 2014 inside the same fiscal year. You already have your Notice Of Eligibility and your approval for retired awaiting pay, but you should verify with Army HRC that they also have your record of satisfactory service as an E-7. (If the orders are for more than 29 days then other benefits kick in, like Tricare.) However, prior to my 8 years of service in the National Guard I had attained the rank of 0 – 3 while serving on active duty in the Navy, electing to resign my commission, receiving an Honorable Discharge after holding that rank for @ 2 years. I was an E – 5 at the time of receiving the 20 year letter and retirement orders. Finally, talk to a military lawyer who’s familiar with Title X U.S. Code for military retirement law. 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