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Fort Bragg Retirement Services Information Brief

Fort Bragg Retirement Services Information Brief. P.O. Box 70029 Fort Bragg, NC 28307 9 April 2012. Pre-Retirement Support Preretirement briefing Survivor Benefit Plan (SBP)/RCSBP counseling Retirement literature Career Status Bonus counseling Post-Retirement Support

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Fort Bragg Retirement Services Information Brief

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  1. Fort BraggRetirement Services Information Brief P.O. Box 70029 Fort Bragg, NC 28307 9 April 2012

  2. Pre-Retirement Support Preretirement briefing Survivor Benefit Plan (SBP)/RCSBP counseling Retirement literature Career Status Bonus counseling Post-Retirement Support Retirement Services Office (RSO) Assistance with pay, ID cards, SBP Retiree Appreciation Day (RAD) Newsletters Installation Retiree Councils See:http://www.armyg1.army.mil/rso/rso.asp Retirement Services Officers (RSO) 2

  3. Taxes States With NO State Income Tax Alaska New Hampshire Texas Florida South Dakota Washington Nevada Tennessee Wyoming States That Do Not Tax Military Retired Pay Alabama Indiana* Mississippi Oklahoma* Arizona* Iowa* Missouri* Oregon* Arkansas* Kansas Montana* Pennsylvania* Colorado* Kentucky* North Dakota* South Carolina* Connecticut* Louisiana North Carolina* Utah* Delaware* Maryland* New Jersey Washington DC* Hawaii Massachusetts New York West Virginia* Illinois Michigan Ohio Wisconsin * Conditions or limitations apply; check state law Home of Residence is determiner; not Home of Record! 3

  4. NOT AUTOMATIC Up to state courts Can award any amount Award not tied to length of marriage Direct payment requirements: Marriage overlapped 10 years with service Limited to 50% of “disposable” retired pay* * up to 65%, if other garnishments Dividing Retired Pay as Property(Uniformed Services Former Spouses' Protection Act) 4

  5. Advantages to Applying to VA for Service-Connected Disability • Even 0% rating documents health ($$ begins at 10%) • Tax-free VA payments (additional $$ is paid to you for family members if you’re rated 30% or more) • Lifetime reevaluations and appeals available from VA • VA ID card expedites future VA care • Survivor annuity payable if your death is service-connected • $10K (or $30K) Service Disabled Veterans Insurance (SDVI) policy available to disabled • At retirement, you have easiest access to your medical records to support your claim (can apply at any time) 5

  6. VA Compensation for Service-Connected Disability • VA rates disabilities 0% - 100% • Each % has an assigned dollar amount • 2012 amounts: from $127 (10%) to $2769 (100%) • Unrelated to Military rank since ’93 • Free VA medical care for service-connected conditions • Monthly payments • Begin at 10% (CAN be 0% disabled) • Tax-free • 30% & higher = Extra dependent allowance • For retirees <50% disabled, offsets Military retired pay $ for $ 6

  7. VA Service-Connected Disability Compensation Rates 7

  8. VA Info Sources Online: • http://www.va.gov • Send e-mail inquiries • Download forms • Get benefits information • Apply for benefits By Phone: • Benefits: 1-800-827-1000 • Education: 1-888-GIBILL-1 • VA Life Insurance: 1-800-669-8477 • SGLI/VGLI: 1-800-419-1473 • Gulf War: 1-800-749-8387 • TDD: 1-800-697-6947 In-Person: • County VA Director (blue pages of phone book) 8

  9. Concurrent Receipt Background Since 1890, Federal law has forbidden concurrent receipt of military retired pay & VA disability compensation • Goal of New Laws • Restore some or all of the pay that is offset to the • most severely disabled CRSC: Enacted December 2, 2002 CRDP: Enacted January 1, 2004 9

  10. Agenda • What is CRSC? • CRSC vs. CRDP • CRSC Claim Workshop 10

  11. What is CRSC? What is CRSC? • CRSC is Congressionally mandated program providing compensation for eligible retired veterans with “combat-related” injuries who have a 10-100% VA disability rating. CRSC began operation 1 June 2003 under the Army Human Resources Command (AHRC), by the United States Army Physical Disability Agency. How does CRSC help retired veterans? • Replaces the VA disability compensation that’s subtracted from retired pay • Restores military retired pay with tax free monthly payments and is paid retroactively • Recognizes veterans for their sacrifice to our country 11

  12. Who is Eligible? Must Have at least one “combat-related”VA Disability Must Have ALL three AND 1. Simulating War (SW) 2. Hazardous Service (HS) 3. Instrumentality of War (IN) 4. Armed Conflict (AC) Receiving military retired pay Military retired pay is reduced by VA disability payments (VA Waiver) Have a 10% or greater VA rated disability 12

  13. Service-Related vs. Combat-Related Service-Related • Injury directly related to military service Example: • Hurt knee during Battalion run at Airborne School Combat-Related Injury • Injury contributed to any of the following situations: Examples: • Simulating War - hurt knee while reacting to enemy fire during FTX • Hazardous Services -hurt knee on a night jump during SF school • Instrumentality of War - hit knee on rotating tank turret during FTX • Armed Conflict -shot in knee by enemyduring Gulf War 13

  14. CRSC In Action Below is an example of the CRSC benefit: A retiree receives a total of $1,521 a month for military retired pay and has been awarded VA service-connected disabilities at 100% and combat “related” disabilities at 50% With CRDP Military Retired Pay (E7) $1,521 VA Offset - $1,521 VA Pay (100%) +$2,600 CRDP (100%) +$1,521 Total Pay = $4,121 Total $2,600 Tax-Free / $ 1,521 Taxed With CRSC Military Retired Pay $1,521 VA Offset -$1,521 VA Pay (100%) +$2,600 CRSC (50%) +$750 Total Pay = $3,350 Tax-Free 14

  15. Did I supply evidence that verifies “HOW” I got the injury? Before submitting your claim determine... Why Claims are Denied Top Reasons CRSC Claims are Not Approved: 1) Official documentation provided does not tell “HOW” the injury occurred to link it to a combat related event 2) The VA rating decision “narrative summary” was not provided 3) Claim was not signed by the retiree 15

  16. CRSC Claim Pages • CRSC Claim Pages: Retired veterans complete pages 1 – 3 only when submitting a claim (the cover page and the appendix should not be mailed into the CRSC office) • Each page provides a step-by-step guide to what information is needed 16

  17. CRSC Claim Page 1 Section I Personal Identification Name and Social Security Number Section II Preliminary CRSC Criteria Section III Service History Must provide copies of all evidentiary documentation 17

  18. CRSC Claim Page 2 When more than 1 combat-related injuries is documented:Photocopy this page, for each additional disability, complete, and attach with your claim form Ambassador Coded Forms have V3AM in the top corner Name and Social Security Number Section IV Combat-relatedness determination (Description of Injury) If you photocopy, be sure to fill in the “page _ of _” so we are aware that all applicable pages are present. Description of Secondary Disability (if applicable) 18

  19. CRSC Claim Page 3 Name and Social Security Number Section V Documentation Inventory Section VI – Certification and Waiverof Concurrent Retirement and Disability payments (CRDP) * SignatureREQUIRED! * If you are currently receiving CRDP payments and apply for CRSC, DFAS will give you whichever payment is higher. 19

  20. How to File a Claim NOTE: The VA and MTF can accept documents that CRSC cannot. 20

  21. Submitting a Successful CRSC Claim • DO Submit: • A signed claim form • Copies of ALL VA rating decisions which include the letter and the narrative summaries • Copies of ALL DD214’s and DD215’s • Official documentary evidence that supports “HOW” the specific disability being claimed can be linked to a combat-related event • DO NOT Submit: • Medical records that do not pertain to the disability being claimed • Electronic media, EKGs, lab slips, or dental records • Personal or “Buddy” statements 21

  22. Documentation – What you need to know • CRSC needs to see a specific event that caused the disability being claimed in the medical documentation you provide • Unnecessary paperwork can impede the claim process • All documentation must be from a military treatment facility or VA medical center or clinic • CRSC does not have access to your military records • We know that there are many deserving Retirees that may never find evidence to verify their CRSC claim. However, regardless of why you do not have evidence, we will be unable to award any compensation from CRSC without something official that tells us how you got your injury or what caused your illness 22

  23. How To Apply complete DD Form 2860 https://www.hrc.army.mil/site/crsc/index.html attach supporting documents mail to address on form Army information numbers: 1-866-281-3254 Online info available at: https://www.hrc.army.mil/site/crsc/index.html Combat-Related Special Compensation (CRSC) 23

  24. Concurrent Retirement & Disability Pay (CRDP) • No application; VA & DFAS match files • Retired pay restored for those VA rated 50 – 100% • Based on SERVICE-connected conditions (not necessarily combat-related) • 10-year phase-in, 2005 – 2014 • Taxable Phase in Cannot receive both CRSC and CRDP 24

  25. VA Disability Payments Retired pay is reduced dollar-for-dollar by VA Disability Pay unless the Soldier qualifies for Concurrent Retirement and Disability Pay (CRDP) Example Only NOTE: All Soldiers retired at the same pay grade and years of service 25

  26. CRSC vs. CRDP Decision Matrix 26

  27. Thank you for your Service!! 27

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