Participation Leads To Retirement

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Participation Leads To Retirement

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1. Participation Leads To Retirement 1 J:\ARPC-Shared\ARPC Briefing Team\Briefs for FY12\Reserve Briefs\ResRetirements J:\ARPC-Shared\ARPC Briefing Team\Briefs for FY12\Reserve Briefs\ResRetirements

2. Will You Be Able To Retire? 2 Factors that can impact whether you retire or not: Officers: Mandatory separation for age or service Participation: avoid ?bad? years Passed over for promotion Medical: Physical problems are an uncertainty Your retirement age will be here faster than you think. Enlisted: High Year Tenure (HYT) ? 33 years from pay date (applies only to USAFR?ANG does not have HYT) Over the years, several reservists have found out they could not retire Case Example: Sanctuary Provisions: Law allows a member with at least 18 years, but less than 20 years, of satisfactory service the opportunity to complete the service required for retirement A twice deferred officer was surprised when he was notified of his pending discharge on his MSD - he had not quite completed 18 years of satisfactory service required for placement in sanctuary. If only he had not had that ?bad? year, he would have made the 18 years and been placed in sanctuary ? he then would have had the opportunity to complete 20 years and be retirement eligible. Factors that can impact whether you retire or not: Officers: Mandatory separation for age or service Participation: avoid ?bad? years Passed over for promotion Medical: Physical problems are an uncertainty Your retirement age will be here faster than you think. Enlisted: High Year Tenure (HYT) ? 33 years from pay date (applies only to USAFR?ANG does not have HYT) Over the years, several reservists have found out they could not retire Case Example: Sanctuary Provisions: Law allows a member with at least 18 years, but less than 20 years, of satisfactory service the opportunity to complete the service required for retirement A twice deferred officer was surprised when he was notified of his pending discharge on his MSD - he had not quite completed 18 years of satisfactory service required for placement in sanctuary. If only he had not had that ?bad? year, he would have made the 18 years and been placed in sanctuary ? he then would have had the opportunity to complete 20 years and be retirement eligible.

3. Retirement Life Cycle 3 Here are the steps in the Retirement life cycle. We will discuss these steps individually. DO NOT GO INTO A LOT OF DETAIL AT THIS POINT. Here are the steps in the Retirement life cycle. We will discuss these steps individually. DO NOT GO INTO A LOT OF DETAIL AT THIS POINT.

4. Retirement Life Cycle 4 First we will discuss participation requirements. DO NOT GO INTO A LOT OF DETAIL AT THIS POINT. First we will discuss participation requirements. DO NOT GO INTO A LOT OF DETAIL AT THIS POINT.

5. Your Retention/Retirement Year ARPC sets and maintains your R/R year From 1 Jul 49 to 30 Sep 95 R/R based on when you were assigned to a Reserve status Adjusted for transfers from a Regular component to Reserve or break in service On/after 1 Oct 95 R/R based on your initial entry into uniform service Adjusted only for a break in service 5 R/R year is 12 consecutive months and differ for each member Any of these statuses constitute a break in service: ISLRS Inactive National Guard, Retired Reserve Retired Regular Civilian status HPSP Service academies TDRL ROTC Reference: DoDI 1215.7 R/R year is 12 consecutive months and differ for each member Any of these statuses constitute a break in service: ISLRS Inactive National Guard, Retired Reserve Retired Regular Civilian status HPSP Service academies TDRL ROTC Reference: DoDI 1215.7

6. Points Credited Towards Retirement Must obtain at least 50 points and a full year 365/366 days for a satisfactory year to be counted towards retirement Maximum non-AD (IDT, ECI - now AFIADL, member) points creditable for any R/R year ending: Before 23 Sep 1996: 60 Max On/after 23 Sep 1996: 75 Max On/after 30 Oct 2000: 90 Max On/after 30 Oct 2007: 130 Max 6 FY08 NDAA change: The 2008 National Defense Authorization Act increased the number of Reserve points (this includes inactive duty points, correspondence course points and membership points) that could be accrued for retirement in a year from 90 to 130.? ?This Law is not retroactive.? It allows accrual of 130 points for the retirement/retention year that includes 30 October 2007.? ?If the member?s retirement/retention year ends on or before 29 October 2007 then they earn a maximum of 90 days.? If the member?s retention/retirement year ends on or after 30 October 2007, they can earn up to 130 points. Note: Funeral (IDS) Honors Duty points can exceed cap. The Extension Course Institute (ECI) is now the Air Force Institute for Advanced Distributed Learning (AFIADL). ? When referring to the courses, they are still extension courses, meaning correspondence and seminar. FY08 NDAA change: The 2008 National Defense Authorization Act increased the number of Reserve points (this includes inactive duty points, correspondence course points and membership points) that could be accrued for retirement in a year from 90 to 130.? ?This Law is not retroactive.? It allows accrual of 130 points for the retirement/retention year that includes 30 October 2007.? ?If the member?s retirement/retention year ends on or before 29 October 2007 then they earn a maximum of 90 days.? If the member?s retention/retirement year ends on or after 30 October 2007, they can earn up to 130 points. Note: Funeral (IDS) Honors Duty points can exceed cap. The Extension Course Institute (ECI) is now the Air Force Institute for Advanced Distributed Learning (AFIADL). ? When referring to the courses, they are still extension courses, meaning correspondence and seminar.

7. Timely Points Submission Request your non paid points through your MPF Submit pay/points as they are earned It causes problems if you don't submit your points when earned Effects Promotion and Retirement Eligibility Sanctuary Mandatory Separation Date or High Year Tenure Notification Satisfactory FY Participation 7 When the MSD rosters are being worked, we have to verify whether or not a member is eligible for the Retired Reserve or Sanctuary by looking at the points in the system.? Most of the time there are no points showing and we have to suspense the letter for a later date for points to be credited in the system?or we have to send them the letter informing them that they will be discharged on their MSD.?? Because we do these a year in advance, the medical/chaplains who are eligible for waivers get a letter?saying they will be discharged since they have to request the waiver 180 days in advance. "Title 31 USC 3702 precludes after six years claims involving uniformed service members' pay, allowances, travel, transportation, payments for unused accrued leave, retired pay, and survivor benefits. As a 40A claim for service credit may affect several and will affect at least one of those categories, it will be denied if the performance date is older than six years when submitted. Any claim for service credit older than two years when submitted will be routed through the program manager who will recommend whether or not the claim is substantiated. ARPC/DPPK will be the final deciding authority for allowance of service credit.? Written by Gary BrownWhen the MSD rosters are being worked, we have to verify whether or not a member is eligible for the Retired Reserve or Sanctuary by looking at the points in the system.? Most of the time there are no points showing and we have to suspense the letter for a later date for points to be credited in the system?or we have to send them the letter informing them that they will be discharged on their MSD.?? Because we do these a year in advance, the medical/chaplains who are eligible for waivers get a letter?saying they will be discharged since they have to request the waiver 180 days in advance. "Title 31 USC 3702 precludes after six years claims involving uniformed service members' pay, allowances, travel, transportation, payments for unused accrued leave, retired pay, and survivor benefits. As a 40A claim for service credit may affect several and will affect at least one of those categories, it will be denied if the performance date is older than six years when submitted. Any claim for service credit older than two years when submitted will be routed through the program manager who will recommend whether or not the claim is substantiated. ARPC/DPPK will be the final deciding authority for allowance of service credit.? Written by Gary Brown

8. Point Gaining Activities Prohibited: Social Functions (e.g. Dining-In, Military Ball) Attending Sporting Events College Courses Association Meetings (AFA) Scouting Activities Purchasing Uniforms Travel to and from IDT Physical Fitness Training 8 A fraudulent document (40a or NGB 105) is punishable by Law Funeral Honors Duty being done on MPA dollars provided by Services or in some cases for a local funeral, some selected reserve members are doing 1 paid 4hr IDT, submitted on a 40b ? points on a 40b can be credited over the 130 max. Follow up medical and dental (to PHA) Daily fitness activity In seat criminal justice courses No reserve credit for courses taken in civilian status A fraudulent document (40a or NGB 105) is punishable by Law Funeral Honors Duty being done on MPA dollars provided by Services or in some cases for a local funeral, some selected reserve members are doing 1 paid 4hr IDT, submitted on a 40b ? points on a 40b can be credited over the 130 max. Follow up medical and dental (to PHA) Daily fitness activity In seat criminal justice courses No reserve credit for courses taken in civilian status

9. Track Your R/R Year Requirements It is your responsibility to track your participation requirements-- it affects your retirement - review it often If you see errors request changes through include documentation View your point credit summary on the vMPF Print off and maintain a copy for your files 61 days after close out of your R/R date 9 Tracking points is very important. It is your responsibility Track each R/R year Use your summary of points shown on the vMPF Verify that all training is accounted for. Questions regarding your summary of points: If you have errors, NOW is the time to get them corrected Submit your documentation (as appropriate) as soon as points are earned?do not hold them Print the form in landscape vs portrait so the columns line up out of vMPF. Tracking points is very important. It is your responsibility Track each R/R year Use your summary of points shown on the vMPF Verify that all training is accounted for. Questions regarding your summary of points: If you have errors, NOW is the time to get them corrected Submit your documentation (as appropriate) as soon as points are earned?do not hold them Print the form in landscape vs portrait so the columns line up out of vMPF.

10. Retirement Life Cycle 10 Next we?re going to talk about the receipt of the Notification of Eligibility for Retired Pay letter (also known as the 20 year letter) and it?s importance to you the member. Next we?re going to talk about the receipt of the Notification of Eligibility for Retired Pay letter (also known as the 20 year letter) and it?s importance to you the member.

11. Notification of Eligibility for Retired Pay Letter (?aka 20-Year Letter?) Eligibility Requirements 20 years of satisfactory service Satisfactory Service Minimum of 50 points earned through a combination of active duty, IDT, ECI, and membership points during a specific 12 month period (Retention/Retirement Year) Maximum 130 reserve points (IDT, ECI, membership) may be credited towards retirement each year Retrieve letter from approximately 120 days after R/R close-out for 20th year Call Total Force Service Center at : 1-800-525-0102 11 Explain what a satisfactory year is. Satisfactory service is any Retention/Retirement (R/R) year that a member accrues a minimum of 50 points. A member is granted 15 membership points just for being a member of the AFR or ANG; the other 35 points must be earned by participation in active duty, active duty training (ADT), inactive duty training (IDT) and ECI courses. Does not have to be consecutive years. It takes 60 days after the last date of your R/R year to allow time for all points to flow to the PCARS file and be updated before the 20 year letter can be issued. If a partial year is involved, it will take up to 120 days after transfer to the Retired Reserve to receive your 20 year letter. ARPC will notify member to go on line to retrieve letter and RCSBP information. Reserve Qualifying Service Requirement: NOTE: NDAA Sec 501 signed 29 Oct 04, 6 year Reserve requirement ended 1 May 05 Last 8 years in a Reserve Component from 1 Jul 1949 - 4 Oct 1994 Last 6 years in a Reserve Component from 5 Oct 1994 ? 31 Dec 2001 Members who complete 20 years of satisfactory service between 5 October 1994 and 31 December 2001 must serve only the last 6 of the 20 years in a Reserve component. Again 8 year only applies to those that Retired/Separated/Discharged between 1 Jan 02 to 30 Sep 02; if you reached 20 yrs during that time and stayed in past 30 Sep 02 then you only need the last 6 in Reserves upon your retirement. Explain what a satisfactory year is. Satisfactory service is any Retention/Retirement (R/R) year that a member accrues a minimum of 50 points. A member is granted 15 membership points just for being a member of the AFR or ANG; the other 35 points must be earned by participation in active duty, active duty training (ADT), inactive duty training (IDT) and ECI courses. Does not have to be consecutive years. It takes 60 days after the last date of your R/R year to allow time for all points to flow to the PCARS file and be updated before the 20 year letter can be issued. If a partial year is involved, it will take up to 120 days after transfer to the Retired Reserve to receive your 20 year letter. ARPC will notify member to go on line to retrieve letter and RCSBP information. Reserve Qualifying Service Requirement: NOTE: NDAA Sec 501 signed 29 Oct 04, 6 year Reserve requirement ended 1 May 05 Last 8 years in a Reserve Component from 1 Jul 1949 - 4 Oct 1994 Last 6 years in a Reserve Component from 5 Oct 1994 ? 31 Dec 2001 Members who complete 20 years of satisfactory service between 5 October 1994 and 31 December 2001 must serve only the last 6 of the 20 years in a Reserve component. Again 8 year only applies to those that Retired/Separated/Discharged between 1 Jan 02 to 30 Sep 02; if you reached 20 yrs during that time and stayed in past 30 Sep 02 then you only need the last 6 in Reserves upon your retirement.

12. Retirement Life Cycle 12 Now lets talk about the Reserve Component Survivor Benefit Plan (also called RCSBP). Now lets talk about the Reserve Component Survivor Benefit Plan (also called RCSBP).

13. Reserve Component Survivor Benefit Plan (RCSBP) Purpose To provide beneficiaries a portion of a member?s retired pay 13 Member will concur or non-concur with marital status, dependents in household and automatic RCSBP Election. If member concurs with the information provided, they will be reminded to print or save RCSBP instruction packet for their future reference. If member non-concurs with the information provided, they will be instructed to print RCSBP instruction packet and to send the DD Form 2656-5, RCSBP Election Certificate to ARPC/DPTTE, within 90 days from the date of non-concurrence. Note to AGRs: Even if you are planning on receiving an AD retirement, you should consider making an RCSBP election . What if you should die before you reach 20 years of AD ? your RCSBP election will cover your beneficiary. If member dies while on AD (in the line of duty), no matter how many years they have, the beneficiary will receive SBP. However, if the death is not in the line of duty member must have completed 20 years of AD for the beneficiary to receive SBP. When member applies for AD retired pay they are required to make an SBP election. At this time RCSBP is no longer valid. Member will concur or non-concur with marital status, dependents in household and automatic RCSBP Election. If member concurs with the information provided, they will be reminded to print or save RCSBP instruction packet for their future reference. If member non-concurs with the information provided, they will be instructed to print RCSBP instruction packet and to send the DD Form 2656-5, RCSBP Election Certificate to ARPC/DPTTE, within 90 days from the date of non-concurrence. Note to AGRs: Even if you are planning on receiving an AD retirement, you should consider making an RCSBP election . What if you should die before you reach 20 years of AD ? your RCSBP election will cover your beneficiary. If member dies while on AD (in the line of duty), no matter how many years they have, the beneficiary will receive SBP. However, if the death is not in the line of duty member must have completed 20 years of AD for the beneficiary to receive SBP. When member applies for AD retired pay they are required to make an SBP election. At this time RCSBP is no longer valid.

14. RCSBP Timing: ARPC will notify you to go online to to retrieve your 20 year letter and review your RCSBP information By law, you have 90 days to make a change to your automatic RCSBP selection once you are notified Premiums don?t start until you begin receiving retired pay 14 The RCSBP packet is retrieved from the vPC-GR at the same time as the 20 year letter You have 90 days from the date you ?nonconcur? in which to make the election change and return the form to ARPC Premiums come out of the retired pay or the beneficiary?s annuity. Note to AGRs: Even if you are planning on receiving an AD retirement, you should consider making an RCSBP election . What if you should die before you reach 20 years of AD ? your RCSBP election will cover your beneficiary. If member dies while on AD (in the line of duty), no matter how many years they have, the beneficiary will receive SBP. However, if the death is not in the line of duty member must have completed 20 years of AD for the beneficiary to receive SBP. When member applies for AD retired pay they are required to make an SBP election. At this time RCSBP is no longer valid. The RCSBP packet is retrieved from the vPC-GR at the same time as the 20 year letter You have 90 days from the date you ?nonconcur? in which to make the election change and return the form to ARPC Premiums come out of the retired pay or the beneficiary?s annuity. Note to AGRs: Even if you are planning on receiving an AD retirement, you should consider making an RCSBP election . What if you should die before you reach 20 years of AD ? your RCSBP election will cover your beneficiary. If member dies while on AD (in the line of duty), no matter how many years they have, the beneficiary will receive SBP. However, if the death is not in the line of duty member must have completed 20 years of AD for the beneficiary to receive SBP. When member applies for AD retired pay they are required to make an SBP election. At this time RCSBP is no longer valid.

15. RCSBP ? Three Options Option A Declines to make an election until eligible to draw retired pay Option B Deferred annuity - payable upon your retired pay eligibility date Option C Annuity effective immediately 15 Option A: Means deferring your election. There are 2 ways to defer an election. Select Option A on DD Form 2656-5 Automatic election based on dependents updated in MilPDS (do not have dependents) Important should member die prior to drawing retired pay: beneficiaries will not receive any portion of the retired pay. Note: Member will get a chance to participate in the SBP when applying for retired pay. Option B: If member should die prior to drawing retired pay, beneficiaries will not receive an annuity until the member would have started to draw retired pay (normally at age 60) Option C: Annuity is immediate regardless of the members age at the time of death. If member dies prior to drawing retired pay, spouse and/or children will receive exchange and commissary privileges immediately (tied in with the 20 year letter). Medical privileges will begin on the anniversary of the member?s 60th birthday. Note: Code ?E? in MilPDS means automatic ?option C? and code ?N? in MilPDS means automatic ?option A? Option A: Means deferring your election. There are 2 ways to defer an election. Select Option A on DD Form 2656-5 Automatic election based on dependents updated in MilPDS (do not have dependents) Important should member die prior to drawing retired pay: beneficiaries will not receive any portion of the retired pay. Note: Member will get a chance to participate in the SBP when applying for retired pay. Option B: If member should die prior to drawing retired pay, beneficiaries will not receive an annuity until the member would have started to draw retired pay (normally at age 60) Option C: Annuity is immediate regardless of the members age at the time of death. If member dies prior to drawing retired pay, spouse and/or children will receive exchange and commissary privileges immediately (tied in with the 20 year letter). Medical privileges will begin on the anniversary of the member?s 60th birthday. Note: Code ?E? in MilPDS means automatic ?option C? and code ?N? in MilPDS means automatic ?option A?

16. Automatic RCSBP Selections If you do have an eligible spouse Your automatic selection will be ?Option C? Providing coverage for your spouse and eligible children You will be responsible for the premiums If you do not have an eligible spouse Your automatic selection will be ?Option A? No RCSBP coverage If you do have an eligible spouse and you want less than full coverage You must provide spousal concurrence For other than ?Option C? for full retired pay Spousal concurrence must be notarized Remember: You only have 90 days to change your automatic selection 16 Failure to respond within the 90 days could result, if member has dependents, in an automatic ?Option C? coverage for spouse and children and the member will be responsible for the premiums. If member has no dependents and fails to respond within the 90 days, they will have automatic ?Option A?. Effective 1 May 08 spousal concurrence must be notarized. Spousal concurrence is needed for the following: 1. Selecting ?option A? 2. Selecting reduced portion of retired pay 3. Selecting children only coverage If the member has no spouse but has children it is the members decision on what coverage, if any, they can select. The coverage for child is based on the amount of time the child is covered and it drops off when that period is paid for. If a member who has children, but no spouse, does not make an election, they will be given automatic ?option c? for child only coverage.Failure to respond within the 90 days could result, if member has dependents, in an automatic ?Option C? coverage for spouse and children and the member will be responsible for the premiums. If member has no dependents and fails to respond within the 90 days, they will have automatic ?Option A?. Effective 1 May 08 spousal concurrence must be notarized. Spousal concurrence is needed for the following: 1. Selecting ?option A? 2. Selecting reduced portion of retired pay 3. Selecting children only coverage If the member has no spouse but has children it is the members decision on what coverage, if any, they can select. The coverage for child is based on the amount of time the child is covered and it drops off when that period is paid for. If a member who has children, but no spouse, does not make an election, they will be given automatic ?option c? for child only coverage.

17. RCSBP Annuity Coverage Spouse only Spouse and children Children only - until age 18 (or the day before 23rd birthday if full time student) Premiums are due at retirement, even though there may not be an eligible beneficiary Former spouse only Former spouse and children Person with insurable interest 17 Children are covered until age 18 (or the day before 23rd birthday if full time student) or have become disabled prior to age 18. Insurable interest is someone who could be adversely financially affected by members death, such as a business partner. Section 643. 17 Oct 2006 - Military survivor benefit plan beneficiaries under insurable interest Old: Unless the participant had a life changing event, he/she could not elect another beneficiary and participation would discontinue New: If reason for discontinuation in the plan is the death of the beneficiary, this allows a retiree who has an insurable interest beneficiary to elect another insurable interest beneficiary. Such election may be made only during the 180 day period beginning on the date of the death of the previous beneficiary Children are covered until age 18 (or the day before 23rd birthday if full time student) or have become disabled prior to age 18. Insurable interest is someone who could be adversely financially affected by members death, such as a business partner. Section 643. 17 Oct 2006 - Military survivor benefit plan beneficiaries under insurable interest Old: Unless the participant had a life changing event, he/she could not elect another beneficiary and participation would discontinue New: If reason for discontinuation in the plan is the death of the beneficiary, this allows a retiree who has an insurable interest beneficiary to elect another insurable interest beneficiary. Such election may be made only during the 180 day period beginning on the date of the death of the previous beneficiary

18. Limited Changes Life changing events: Marriage If single upon election ? one year to change coverage Birth of Children If none at time of election ? one year to change coverage Divorce Former spouse coverage may be court directed ? one year to change coverage Death of beneficiary Coverage is suspended ? Notify ARPC Entitlements Division 18 The election member make is irrevocable. A spouse must be notified of an election that is less then full coverage and concur with a notary signature Member can not make an RCSBP election and then make another election when you reach retirement eligibility age . Normally, the election made follows the member into retired pay. There are only a few times when member can change their mind as to who will receive benefits. Once an election is made, it cannot be changed unless its due to a divorce, a marriage or a death (change must be done within one year of change in marital status). Or, if there were no children when the election was originally made and later acquire children (natural, adopted or stepchildren) member may add them to election within one year of acquisition. Upon completion of 2nd anniversary of drawing pay (normally between ages 62 and 63), coverage may be cancelled. (Must contact DFAS-CL) SBP payment is discontinued but the RCSBP portion continues. Title 10 USC Section 1448a effective 1997. If member is single at the time they receive the notification letter and later marry, they have one year from the date of marriage to elect coverage for new spouse. Note: Spouse must be married to member for minimum of one year immediately prior to member?s death to be eligible for benefits. If member divorces, they may be able to suspend the coverage depending on the divorce settlement. The court can order change from spouse coverage to former spouse coverage at the time of the divorce. Changes should be made using DD form 2656-1. Former spouse can make a deemed election. Either member or deemed election must be made within one year from date of divorce. Finally, in the event the beneficiary dies prior to member?s 60th birthday, coverage is suspended. If the member doesn?t remarry by the time they turn age 60 there is no cost for the coverage. DFAS Cleveland processes all court ordered garnishment for child support, alimony and commercial debts for all military members and all civilian employees paid by DFAS, plus court ordered divisions of military retired pay under the Uniformed Services Former Spouses' Protection Act. Information to calculate how much will be garnished is at: http://www.dfas.mil/garnishment.html The election member make is irrevocable. A spouse must be notified of an election that is less then full coverage and concur with a notary signature Member can not make an RCSBP election and then make another election when you reach retirement eligibility age . Normally, the election made follows the member into retired pay. There are only a few times when member can change their mind as to who will receive benefits. Once an election is made, it cannot be changed unless its due to a divorce, a marriage or a death (change must be done within one year of change in marital status). Or, if there were no children when the election was originally made and later acquire children (natural, adopted or stepchildren) member may add them to election within one year of acquisition. Upon completion of 2nd anniversary of drawing pay (normally between ages 62 and 63), coverage may be cancelled. (Must contact DFAS-CL) SBP payment is discontinued but the RCSBP portion continues. Title 10 USC Section 1448a effective 1997. If member is single at the time they receive the notification letter and later marry, they have one year from the date of marriage to elect coverage for new spouse. Note: Spouse must be married to member for minimum of one year immediately prior to member?s death to be eligible for benefits. If member divorces, they may be able to suspend the coverage depending on the divorce settlement. The court can order change from spouse coverage to former spouse coverage at the time of the divorce. Changes should be made using DD form 2656-1. Former spouse can make a deemed election. Either member or deemed election must be made within one year from date of divorce. Finally, in the event the beneficiary dies prior to member?s 60th birthday, coverage is suspended. If the member doesn?t remarry by the time they turn age 60 there is no cost for the coverage. DFAS Cleveland processes all court ordered garnishment for child support, alimony and commercial debts for all military members and all civilian employees paid by DFAS, plus court ordered divisions of military retired pay under the Uniformed Services Former Spouses' Protection Act. Information to calculate how much will be garnished is at: http://www.dfas.mil/garnishment.html

19. Limited Changes Open Season ? Last one was in 2005 If you have Option A, you may elect SBP coverage when you start drawing retired pay Cancellation of SBP portion of insurance Must pay two years of premiums - normally between ages 62-63 RCSBP cost continues for past coverage 19 The election member make is irrevocable. A spouse must be notified of an election that is less then full coverage and concur with a notary signature Member can not make an RCSBP election and then make another election when you reach retirement eligibility age . Normally, the election made follows the member into retired pay. There are only a few times when member can change their mind as to who will receive benefits. Once an election is made, it cannot be changed unless its due to a divorce, a marriage or a death (change must be done within one year of change in marital status). Or, if there were no children when the election was originally made and later acquire children (natural, adopted or stepchildren) member may add them to election within one year of acquisition. Upon completion of 2nd anniversary of drawing pay (normally between ages 62 and 63), coverage may be cancelled. (Must contact DFAS-CL) SBP payment is discontinued but the RCSBP portion continues. Title 10 USC Section 1448a effective 1997. If member is single at the time they receive the notification letter and later marry, they have one year from the date of marriage to elect coverage for new spouse. Note: Spouse must be married to member for minimum of one year immediately prior to member?s death to be eligible for benefits. If member divorces, they may be able to suspend the coverage depending on the divorce settlement. The court can order change from spouse coverage to former spouse coverage at the time of the divorce. Changes should be made using DD form 2656-1. Former spouse can make a deemed election. Either member or deemed election must be made within one year from date of divorce. Finally, in the event the beneficiary dies prior to member?s 60th birthday, coverage is suspended. If the member doesn?t remarry by the time they turn age 60 there is no cost for the coverage. DFAS Cleveland processes all court ordered garnishment for child support, alimony and commercial debts for all military members and all civilian employees paid by DFAS, plus court ordered divisions of military retired pay under the Uniformed Services Former Spouses' Protection Act. Information to calculate how much will be garnished is at: http://www.dfas.mil/garnishment.html The election member make is irrevocable. A spouse must be notified of an election that is less then full coverage and concur with a notary signature Member can not make an RCSBP election and then make another election when you reach retirement eligibility age . Normally, the election made follows the member into retired pay. There are only a few times when member can change their mind as to who will receive benefits. Once an election is made, it cannot be changed unless its due to a divorce, a marriage or a death (change must be done within one year of change in marital status). Or, if there were no children when the election was originally made and later acquire children (natural, adopted or stepchildren) member may add them to election within one year of acquisition. Upon completion of 2nd anniversary of drawing pay (normally between ages 62 and 63), coverage may be cancelled. (Must contact DFAS-CL) SBP payment is discontinued but the RCSBP portion continues. Title 10 USC Section 1448a effective 1997. If member is single at the time they receive the notification letter and later marry, they have one year from the date of marriage to elect coverage for new spouse. Note: Spouse must be married to member for minimum of one year immediately prior to member?s death to be eligible for benefits. If member divorces, they may be able to suspend the coverage depending on the divorce settlement. The court can order change from spouse coverage to former spouse coverage at the time of the divorce. Changes should be made using DD form 2656-1. Former spouse can make a deemed election. Either member or deemed election must be made within one year from date of divorce. Finally, in the event the beneficiary dies prior to member?s 60th birthday, coverage is suspended. If the member doesn?t remarry by the time they turn age 60 there is no cost for the coverage. DFAS Cleveland processes all court ordered garnishment for child support, alimony and commercial debts for all military members and all civilian employees paid by DFAS, plus court ordered divisions of military retired pay under the Uniformed Services Former Spouses' Protection Act. Information to calculate how much will be garnished is at: http://www.dfas.mil/garnishment.html

20. Cost of RCSBP Coverage Member?s age Beneficiary?s age Coverage selected 20 The cost depends on several variables such as the choice made, member?s age, beneficiaries ages and how much coverage elected. Reminder: Member doesn?t pay for RCSBP coverage until they start drawing retired pay. Two tier cost: 1. RCSBP-Date of election to day prior to the retired pay effective date (normally age 60) 2. SBP cost-from retired pay effective date Reduced RCSBP Coverage: The member must elect a given dollar amount or a percentage of retired pay as the base amount. Any dollar election is converted to a percentage of gross retired pay as of the effective date of election to guarantee full indexing in proportion to member's retired pay. Example: Member's age at election = 52 Member's elected monthly base amount = $300.00 Member's estimated current monthly retired pay = $1000.00 Ratio = 300/1000 = .3 Eight years later: Member's monthly retired pay at age 60 = $2000 Member's base amount at age 60 = .3 x $2000 = $600.00 B. If the given dollar amount exceeds 100 percent of the member's retired pay on the effective date of election, then the base amount is 100 percent of the monthly retired pay. If the given dollar amount is less than 100 percent of gross retired pay but greater than $300 when computed against the retired pay, then use the ratio against the gross retired pay entitlement at age 60, assuming member has met age and service requirements. Table 54-1 is a worksheet for use in conjunction with the RCSBP factor tables. To obtain a comprehensive estimate of retired pay calculations, premiums, and annuity payments go to: http://actuary.defense.gov/. ? After the account has been initially adjusted, it then is indexed to the cost of living increases that are applied to the retired pay account. The base amount, premiums, and annuity are adjusted by the same percent that is applied to the retired pay. ? The cost depends on several variables such as the choice made, member?s age, beneficiaries ages and how much coverage elected. Reminder: Member doesn?t pay for RCSBP coverage until they start drawing retired pay. Two tier cost: 1. RCSBP-Date of election to day prior to the retired pay effective date (normally age 60) 2. SBP cost-from retired pay effective date Reduced RCSBP Coverage: The member must elect a given dollar amount or a percentage of retired pay as the base amount. Any dollar election is converted to a percentage of gross retired pay as of the effective date of election to guarantee full indexing in proportion to member's retired pay. Example: Member's age at election = 52 Member's elected monthly base amount = $300.00 Member's estimated current monthly retired pay = $1000.00 Ratio = 300/1000 = .3 Eight years later: Member's monthly retired pay at age 60 = $2000 Member's base amount at age 60 = .3 x $2000 = $600.00 B. If the given dollar amount exceeds 100 percent of the member's retired pay on the effective date of election, then the base amount is 100 percent of the monthly retired pay. If the given dollar amount is less than 100 percent of gross retired pay but greater than $300 when computed against the retired pay, then use the ratio against the gross retired pay entitlement at age 60, assuming member has met age and service requirements. Table 54-1 is a worksheet for use in conjunction with the RCSBP factor tables. To obtain a comprehensive estimate of retired pay calculations, premiums, and annuity payments go to: http://actuary.defense.gov/. ? After the account has been initially adjusted, it then is indexed to the cost of living increases that are applied to the retired pay account. The base amount, premiums, and annuity are adjusted by the same percent that is applied to the retired pay. ?

21. RCSBP Sample Calculation 21 You may cancel the SBP portion of your insurance but must continue to pay for the RCSBP coverage that you elected. RCSBP/SBP COST TO ANNUITANT ? 1. SBP Election: If a member makes an SBP election (Active duty retiree or age 60 Reserve retiree), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies. 2. RCSBP Election: If a member makes an RCSBP election (Reservist reaching 20 years of satisfactory service or 15-20 medical disqualification), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies, but the RCSBP cost is deducted from the monthly payment that the annuitant receives after the member dies. You may cancel the SBP portion of your insurance but must continue to pay for the RCSBP coverage that you elected. RCSBP/SBP COST TO ANNUITANT ? 1. SBP Election: If a member makes an SBP election (Active duty retiree or age 60 Reserve retiree), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies. 2. RCSBP Election: If a member makes an RCSBP election (Reservist reaching 20 years of satisfactory service or 15-20 medical disqualification), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies, but the RCSBP cost is deducted from the monthly payment that the annuitant receives after the member dies.

22. RCSBP Sample Calculation 22 You may cancel the SBP portion of your insurance but must continue to pay for the RCSBP coverage that you elected. RCSBP/SBP COST TO ANNUITANT ? 1. SBP Election: If a member makes an SBP election (Active duty retiree or age 60 Reserve retiree), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies. 2. RCSBP Election: If a member makes an RCSBP election (Reservist reaching 20 years of satisfactory service or 15-20 medical disqualification), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies, but the RCSBP cost is deducted from the monthly payment that the annuitant receives after the member dies. You may cancel the SBP portion of your insurance but must continue to pay for the RCSBP coverage that you elected. RCSBP/SBP COST TO ANNUITANT ? 1. SBP Election: If a member makes an SBP election (Active duty retiree or age 60 Reserve retiree), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies. 2. RCSBP Election: If a member makes an RCSBP election (Reservist reaching 20 years of satisfactory service or 15-20 medical disqualification), the SBP cost is not deducted from the monthly payment that the annuitant receives after the member dies, but the RCSBP cost is deducted from the monthly payment that the annuitant receives after the member dies.

23. Benefits for Your Beneficiaries are Not Tied to RCSBP Participation 23 No change in benefits while assigned to Retired Reserve. Don?t go into a lot of detail - Entitlements normally briefs on these benefits RCSBP election used to be tied to receiving these other benefits, this is no longer true. No change in benefits while assigned to Retired Reserve. Don?t go into a lot of detail - Entitlements normally briefs on these benefits RCSBP election used to be tied to receiving these other benefits, this is no longer true.

24. 24 Questions? Respond to questions or take members name etc. and get back to them. Respond to questions or take members name etc. and get back to them.

25. Retirement Life Cycle 25 The next step in the retirement life cycle is the ?Transfer to the Retired Reserve?. The next step in the retirement life cycle is the ?Transfer to the Retired Reserve?.

26. Retired Reserve Must meet qualification 26 The retirement age has been reduced for by recent legislation ? will speak more to this later when we talk about Retired Pay Requirements are the same as for receipt of the 20 year letter. You must have 20 years of satisfactory service Most reservists do not transfer to Retired Reserve until they receive their 20 year notification of eligibility letter, but it is not a requirement. Note: NDAA Sec 501 signed 29 Oct 04, 6 year requirement ended 1 May 05 Question: If I retire from Civil Service, how does it affect my AFR Retirement? Answer: Active duty service can be applied towards both a Civil Service Retirement and a Reserve retirement. Therefore, Civil Service employees who will be receiving retired pay under Title 10, U.S.C., Section 12731 (Reserve retirement) will not be affected in the crediting of military service under the Civil Service Retirement Law, nor will they receive a reduced Civil Service pension (Title 10, U.S.C., Section 12736). The retirement age has been reduced for by recent legislation ? will speak more to this later when we talk about Retired Pay Requirements are the same as for receipt of the 20 year letter. You must have 20 years of satisfactory service Most reservists do not transfer to Retired Reserve until they receive their 20 year notification of eligibility letter, but it is not a requirement. Note: NDAA Sec 501 signed 29 Oct 04, 6 year requirement ended 1 May 05 Question: If I retire from Civil Service, how does it affect my AFR Retirement? Answer: Active duty service can be applied towards both a Civil Service Retirement and a Reserve retirement. Therefore, Civil Service employees who will be receiving retired pay under Title 10, U.S.C., Section 12731 (Reserve retirement) will not be affected in the crediting of military service under the Civil Service Retirement Law, nor will they receive a reduced Civil Service pension (Title 10, U.S.C., Section 12736).

27. Applications to Retired Reserve Voluntary Retirement Reservists apply to transfer to the Retired Reserve using Track your application online as it gets processed 27 Voluntary Retirement ANG & Reserve: date of request must be at least six months prior to effective date unless approved waiver is attached. Involuntary Separation Separation due to maximum age or service (MSD) Transfer is automatic unless requested otherwise AF IMT 131, Application for Transfer to Retired Reserve, are accepted for medical or adverse action cases. Note: Transfer to Retired Reserve is not automatic if ETS is prior to HYT. General Officers continue to use the AF IMT131 Medical disqualifications and administrative discharge cases may also use AF IMT 131 Note: General officers - AF IMT 131 must be submitted through AF/REP (Reserve)/NGB/GO (Guard) to have an IG check accomplished prior to it being forward to ARPC for retirement processing. If you participate right up until age 60 then do not use the on-line retirement application, because you are applying for pay and the transfer to Retired Reserve will just be part of the pay application process. Apparently the MPFs are telling members to apply on-line. Anyone that is turning age 60 within 30 days of retiring and is requesting to start drawing pay at age 60, should not apply on-line. Reserve members retiring or being discharged, who meet qualifications for retired pay are authorized presentation of a U.S. flag at no cost to the member. Flags are mailed with the Retirement or Discharge certificate Note: Members who retired prior to 5 Oct 99 are not authorized to receive flag at government expense. However, they may order a flag at their own expense through their US Senator or Representative. * Flags are not flown over the capital. Voluntary Retirement ANG & Reserve: date of request must be at least six months prior to effective date unless approved waiver is attached. Involuntary Separation Separation due to maximum age or service (MSD) Transfer is automatic unless requested otherwise AF IMT 131, Application for Transfer to Retired Reserve, are accepted for medical or adverse action cases. Note: Transfer to Retired Reserve is not automatic if ETS is prior to HYT. General Officers continue to use the AF IMT131 Medical disqualifications and administrative discharge cases may also use AF IMT 131 Note: General officers - AF IMT 131 must be submitted through AF/REP (Reserve)/NGB/GO (Guard) to have an IG check accomplished prior to it being forward to ARPC for retirement processing. If you participate right up until age 60 then do not use the on-line retirement application, because you are applying for pay and the transfer to Retired Reserve will just be part of the pay application process. Apparently the MPFs are telling members to apply on-line. Anyone that is turning age 60 within 30 days of retiring and is requesting to start drawing pay at age 60, should not apply on-line. Reserve members retiring or being discharged, who meet qualifications for retired pay are authorized presentation of a U.S. flag at no cost to the member. Flags are mailed with the Retirement or Discharge certificate Note: Members who retired prior to 5 Oct 99 are not authorized to receive flag at government expense. However, they may order a flag at their own expense through their US Senator or Representative. * Flags are not flown over the capital.

28. Applications to Retired Reserve Automatic Retirement Maximum age, service (MSD), high year tenure (HYT) and twice passed over (officers) separations by law Transfer to Retired Reserve, if eligible, is automatic unless otherwise requested If requested through you can receive Ceremony information Retirement Certificate Spouse Certificate Presidential Letter U.S. Flag - provided by ARPC Retirement Pin 28 Voluntary Retirement ANG & Reserve: date of request must be at least six months prior to effective date unless approved waiver is attached. Involuntary Separation Separation due to maximum age or service (MSD) Transfer is automatic unless requested otherwise AF IMT 131, Application for Transfer to Retired Reserve, are accepted for medical or adverse action cases. Note: Transfer to Retired Reserve is not automatic if ETS is prior to HYT. General Officers continue to use the AF IMT131 Medical disqualifications and administrative discharge cases may also use AF IMT 131 Note: General officers - AF IMT 131 must be submitted through AF/REP (Reserve)/NGB/GO (Guard) to have an IG check accomplished prior to it being forward to ARPC for retirement processing. If you participate right up until age 60 then do not use the on-line retirement application, because you are applying for pay and the transfer to Retired Reserve will just be part of the pay application process. Apparently the MPFs are telling members to apply on-line. Anyone that is turning age 60 within 30 days of retiring and is requesting to start drawing pay at age 60, should not apply on-line. Reserve members retiring or being discharged, who meet qualifications for retired pay are authorized presentation of a U.S. flag at no cost to the member. Flags are mailed with the Retirement or Discharge certificate Note: Members who retired prior to 5 Oct 99 are not authorized to receive flag at government expense. However, they may order a flag at their own expense through their US Senator or Representative. * Flags are not flown over the capital. Voluntary Retirement ANG & Reserve: date of request must be at least six months prior to effective date unless approved waiver is attached. Involuntary Separation Separation due to maximum age or service (MSD) Transfer is automatic unless requested otherwise AF IMT 131, Application for Transfer to Retired Reserve, are accepted for medical or adverse action cases. Note: Transfer to Retired Reserve is not automatic if ETS is prior to HYT. General Officers continue to use the AF IMT131 Medical disqualifications and administrative discharge cases may also use AF IMT 131 Note: General officers - AF IMT 131 must be submitted through AF/REP (Reserve)/NGB/GO (Guard) to have an IG check accomplished prior to it being forward to ARPC for retirement processing. If you participate right up until age 60 then do not use the on-line retirement application, because you are applying for pay and the transfer to Retired Reserve will just be part of the pay application process. Apparently the MPFs are telling members to apply on-line. Anyone that is turning age 60 within 30 days of retiring and is requesting to start drawing pay at age 60, should not apply on-line. Reserve members retiring or being discharged, who meet qualifications for retired pay are authorized presentation of a U.S. flag at no cost to the member. Flags are mailed with the Retirement or Discharge certificate Note: Members who retired prior to 5 Oct 99 are not authorized to receive flag at government expense. However, they may order a flag at their own expense through their US Senator or Representative. * Flags are not flown over the capital.

29. Retired Reserve Highest grade held (HGH) Grade approval authority is: ARPC, delegated from SAF Only SAF can approve a grade lower than HGH 29 Voluntary demotions usually affect enlisted personnel. However, we also have officers who lost their commission for various reasons and were enlisted to complete their 20 years. Transfer to the Retired Reserve is in current grade. Orders will indicate HGH for pay at retired pay age. If demoted for cause, you will be given the opportunity to submit documentation and/or statements concerning the demotion to be included with the case file for review by SAF/ARPC. You will retire at HGH unless SAF determines otherwise The decision directed by SAF will be implemented. A member may submit an AF IMT 131 to request transfer to the retired reserve in lieu of further processing for administrative discharge. A HGH determination should be requested from SAF when the commander forwards the case to SAF for approval/disapproval of the retirement application. This action is required prior to the AF IMT 131 being forwarded to ARPC. Voluntary demotions usually affect enlisted personnel. However, we also have officers who lost their commission for various reasons and were enlisted to complete their 20 years. Transfer to the Retired Reserve is in current grade. Orders will indicate HGH for pay at retired pay age. If demoted for cause, you will be given the opportunity to submit documentation and/or statements concerning the demotion to be included with the case file for review by SAF/ARPC. You will retire at HGH unless SAF determines otherwise The decision directed by SAF will be implemented. A member may submit an AF IMT 131 to request transfer to the retired reserve in lieu of further processing for administrative discharge. A HGH determination should be requested from SAF when the commander forwards the case to SAF for approval/disapproval of the retirement application. This action is required prior to the AF IMT 131 being forwarded to ARPC.

30. Retired Reserve 10 years commissioned service requirement Applies only to Active Duty retirements Officer time-in-grade ? By Law Voluntary retirement Lt Col and above, three satisfactory service years TIG Maj and below, six satisfactory service months TIG Retirement - Involuntary Separation Officers separated due to age or MSD, six months TIG 30 Reserve/IMA VERSION Time in grade: The three years or six months must be satisfactory service. Officer that does not meet time in grade requirement (under ROPMA) transfers to the Retired Reserve in next lower grade that they served satisfactorily and retired pay will be computed based on that lower grade. Member is entitled to be placed on the retired list in the highest grade served satisfactorily. Note: A medical retirement is not considered involuntary for TIG unless the member has over 20 years satisfactory service. Waiver Requests for Service/Points: In accordance with the FY07 National Defense Authorization Act (NDAA), the mandatory separation date (MSD) of a number of our officers, primarily lieutenant colonels and colonels, has been extended beyond age 60. Those primarily affected are those that were reaching age 60 before reaching their respective MSD based upon number of years service, i.e., 28 years total federal commissioned service (TFCS) for lieutenant colonels and 30 years TFCS for colonels The MSD for these officers is now either their 62nd birthday, or the first day of the month after the month in which they complete 28 years TFCS (lieutenant colonels) or the first day of the month after the month in which they complete 30 years TFCS (colonels), whichever occurs first. The FY07 NDAA did not waive the requirement for compliance with Title 10, Section 12308 (Retention after becoming eligible for retired pay). Accordingly, waiver of this Section from SAF is required before an individual can be credited with points and service beyond age 60. NOTE: Waivers past age 62 for medical and chaplain can be requested Reserve/IMA VERSION Time in grade: The three years or six months must be satisfactory service. Officer that does not meet time in grade requirement (under ROPMA) transfers to the Retired Reserve in next lower grade that they served satisfactorily and retired pay will be computed based on that lower grade. Member is entitled to be placed on the retired list in the highest grade served satisfactorily. Note: A medical retirement is not considered involuntary for TIG unless the member has over 20 years satisfactory service. Waiver Requests for Service/Points: In accordance with the FY07 National Defense Authorization Act (NDAA), the mandatory separation date (MSD) of a number of our officers, primarily lieutenant colonels and colonels, has been extended beyond age 60. Those primarily affected are those that were reaching age 60 before reaching their respective MSD based upon number of years service, i.e., 28 years total federal commissioned service (TFCS) for lieutenant colonels and 30 years TFCS for colonels The MSD for these officers is now either their 62nd birthday, or the first day of the month after the month in which they complete 28 years TFCS (lieutenant colonels) or the first day of the month after the month in which they complete 30 years TFCS (colonels), whichever occurs first. The FY07 NDAA did not waive the requirement for compliance with Title 10, Section 12308 (Retention after becoming eligible for retired pay). Accordingly, waiver of this Section from SAF is required before an individual can be credited with points and service beyond age 60. NOTE: Waivers past age 62 for medical and chaplain can be requested

31. Time in Grade (TIG) Reduction Reserve Policy for FY 11: Two percent of the current authorized end strength for Cols/Lt Cols are permitted to retire with reduced TIG 26 Colonels and 112 Lieutenant Colonels Member must have at least two years TIG All AFSCs may apply Personnel with a service commitment must have an approved waiver Suspension of reduced Time in Grade (TIG) for Air Force Reserve Cols/Lt Col for FY12 31 Is not retroactive or applied to any previous retirement Number allowed to retire with reduced TIG is limited to no more than 2% of authorized end strength for each grade per fiscal year Retirement date must be at least 60 days following return to home station for those deployed Deployment periods will not be curtailed Officers recalled to active duty or mobilized may not apply VPC-GR on line retirement application mandatory Eligibility Criteria Col/Lt Col w/at least 2 yrs satisfactory service TIG, but less than 3 at retirement date All AFSCs may apply; includes deployed personnel People w/ RSC looked at for waiver Ineligibility Criteria Officers under investigation for alleged misconduct Officers pending disposition of adverse personnel action for alleged misconduct Officers recalled to AD or Mobilized Change of Already Approved Retirement Date Requests to change approved ret date to take advantage of authority considered case by case Applicable law: Title 10, section 1370 Is not retroactive or applied to any previous retirement Number allowed to retire with reduced TIG is limited to no more than 2% of authorized end strength for each grade per fiscal year Retirement date must be at least 60 days following return to home station for those deployed Deployment periods will not be curtailed Officers recalled to active duty or mobilized may not apply VPC-GR on line retirement application mandatory Eligibility Criteria Col/Lt Col w/at least 2 yrs satisfactory service TIG, but less than 3 at retirement date All AFSCs may apply; includes deployed personnel People w/ RSC looked at for waiver Ineligibility Criteria Officers under investigation for alleged misconduct Officers pending disposition of adverse personnel action for alleged misconduct Officers recalled to AD or Mobilized Change of Already Approved Retirement Date Requests to change approved ret date to take advantage of authority considered case by case Applicable law: Title 10, section 1370

32. Retired Reserve Enlisted time-in-grade ? No TIG requirement ? By Law Reserve Policy Reserve service commitment policy In-residence training ? 3 years Promotions for top three ? 2 years 32 Clarify the difference between law and policy Enlisted reservists, who are entitled to retire other than for physical disability, retire in the grade the member holds on the date of retirement in accordance with Title 10 USC Section 8961b. Member is entitled to be placed on the retired list in the highest grade served satisfactorily. Regardless of when an enlisted member is promoted, they only need to hold the higher grade for 1 day by law. The following statement only applies to reservist retiring while on active duty. There are some special rules on TIG for personnel retiring on active duty and these requirements must be met ANG policy requires a Service Commitment before retiring Reserves, Service Commitment policyClarify the difference between law and policy Enlisted reservists, who are entitled to retire other than for physical disability, retire in the grade the member holds on the date of retirement in accordance with Title 10 USC Section 8961b. Member is entitled to be placed on the retired list in the highest grade served satisfactorily. Regardless of when an enlisted member is promoted, they only need to hold the higher grade for 1 day by law. The following statement only applies to reservist retiring while on active duty. There are some special rules on TIG for personnel retiring on active duty and these requirements must be met ANG policy requires a Service Commitment before retiring Reserves, Service Commitment policy

33. Retired Reserve Gray-Area (awaiting pay) Benefits 33 No change in benefits while assigned to Retired Reserve. Don?t go into a lot of detail - Entitlements normally briefs on these benefits TRICARE Retired Reserve Launches August 31, 2010 No. 10-74 FALLS CHURCH, Va. ? For the first time, members of the Retired Reserve who are not yet age 60, the so-called ?gray area? retirees, can purchase TRICARE health coverage for themselves and their eligible family members with the Sept. 1, 2010 launch of TRICARE Retired Reserve (TRR).? ??????????? ?This new program offers a health coverage opportunity for ?gray area? Guardsmen and Reservists who served America honorably, setting a proud example for today?s forces,? said Rear Adm. Christine Hunter, deputy director of the TRICARE Management Activity. ?TRICARE Retired Reserve will provide an outstanding health benefit.??? ??????????? Retired Reservists may qualify to purchase TRR coverage if they are under the age of 60 and are not eligible for, or enrolled in, the Federal Employees Health Benefits (FEHB) program. They must also be members of the Retired Reserve of a Reserve component and qualified for non-regular retirement. For instructions on how to qualify for and purchase TRR go to www.tricare.mil/trr.? ???????????The comprehensive health care coverage provided by the premium-based TRR is similar to TRICARE Standard. After purchasing TRR, members will receive the TRICARE Retired Reserve Handbook, which includes details about covered services, how to get care and who to contact for assistance. For more information, visit www.tricare.mil/trr. No change in benefits while assigned to Retired Reserve. Don?t go into a lot of detail - Entitlements normally briefs on these benefits TRICARE Retired Reserve Launches

34. Retirement Life Cycle 34 Now we are going to talk about the Retired Pay Process. Now we are going to talk about the Retired Pay Process.

35. Retired Pay Reserve Members 35 Time to enjoy the fruits of your labor. Time to enjoy the fruits of your labor.

36. Retired Pay 20 Years Satisfactory Service Generally Age 60 Let?s refresh our memory on what the qualifications for drawing retired pay is The qualifications for Retired Pay are the same as for transfer to the Retired Reserve and for receipt of the 20 year letter. In addition you normally must be age 60.Let?s refresh our memory on what the qualifications for drawing retired pay is The qualifications for Retired Pay are the same as for transfer to the Retired Reserve and for receipt of the 20 year letter. In addition you normally must be age 60.

37. Reduced Retired Pay Effective with the NDAA signed on 28 Jan 08 Age 60 may be reduced by 3 months for each 90 days cumulative qualifying AD service in a fiscal year (FY) Qualifying AD Qualifying service is identified in Title 10, U.S.C. Section 101 (a) 13 (b) or 12301 (d) MPA, RPA (special, school) Non-qualifying AD AT, AGR, Disciplinary holds ANG: State AD and Title 32 (unless called to Federal Emergency under 502(F)) May not be reduced below 50 years of age Not retroactive for service prior to 29 Jan 08 37 Member must normally be age 60; however, the FY08 NDAA allows the eligibility age to be reduced. ?Sec 647. Commencement of Receipt of Non-Regular Service Retired Pay by Members of the Ready Reserve on Active Federal Status or Active Duty for Significant Periods. In the case of a person who as a member of the Ready Reserve serves on active duty or performs active service described in subparagraph (B) after the date of the enactment of the National Defense Authorization Act for Fiscal Year 2008, the eligibility age for purposes of subsection (a)(1) shall be reduced below 60 years of age by three months for each aggregate of 90 days on which such person so performs in any fiscal year after such date, subject to subparagraph (C). A day of duty may be included in only one aggregate of 90 days for purposes of this subparagraph.? RCSBP is based on drawing pay, not age 60Member must normally be age 60; however, the FY08 NDAA allows the eligibility age to be reduced. ?Sec 647. Commencement of Receipt of Non-Regular Service Retired Pay by Members of the Ready Reserve on Active Federal Status or Active Duty for Significant Periods. In the case of a person who as a member of the Ready Reserve serves on active duty or performs active service described in subparagraph (B) after the date of the enactment of the National Defense Authorization Act for Fiscal Year 2008, the eligibility age for purposes of subsection (a)(1) shall be reduced below 60 years of age by three months for each aggregate of 90 days on which such person so performs in any fiscal year after such date, subject to subparagraph (C). A day of duty may be included in only one aggregate of 90 days for purposes of this subparagraph.? RCSBP is based on drawing pay, not age 60

38. Reduced Retired Pay Effective Date Currently calculations are a manual process based upon PCARS, Pay and AROWS info Be sure to keep track of all your participation for proper credit Don?t wait to be contacted, contact ARPC if you think you have eligible service and are nearing your reduced retired pay age 38 Working w/AFPC on a data element that will update future retirement date after each FY and upon transfer to the Retired Reserve Working w/AFPC on a data element that will update future retirement date after each FY and upon transfer to the Retired Reserve

39. Retired Pay You must apply, not automatic 4-6 months prior to retired pay effective date (usually age 60), you will receive application instructions Make sure your address, e-mail, and telephone number are always current! 6 Year Statute of Limitation Any claim received after eligibility, can only be paid retroactive for pay - 6 years maximum 39 Make sure your address is always current so we can send your pay applications forms. Without these forms we cannot establish your pay account. What happens if a former spouse is awarded a portion of the retired pay and does not apply for it? The former spouse must submit an application to start the process, it is not automatic. The application may be obtained from the DFAS Web site at www.dfas.mil/money/garnish. This is actually a DFAS issue - for specific information, contact the Garnishment Operations Directorate of DFAS-CL (PO Box 998002, Cleveland OH 44199-9002) or call (216) 522-5301 Make sure your address is always current so we can send your pay applications forms. Without these forms we cannot establish your pay account. What happens if a former spouse is awarded a portion of the retired pay and does not apply for it? The former spouse must submit an application to start the process, it is not automatic. The application may be obtained from the DFAS Web site at www.dfas.mil/money/garnish. This is actually a DFAS issue - for specific information, contact the Garnishment Operations Directorate of DFAS-CL (PO Box 998002, Cleveland OH 44199-9002) or call (216) 522-5301

40. Retired Member ? Pay Computations Which one applies to you? If initial entry into military service is: Prior to 8 Sep 80 = more money Pay scale in effect on your retired pay effective date On or after 8 Sep 80 = less money Average of the last 36 months of basic pay in effect prior to your retired pay effective date 40 Prior to 8 Sep 80: Old system On or after 8 Sep 80: Total the last 36 months of basic pay (for your grade and years of service), prior to retired pay effective date and divide total by 36 equals average for pay computation. DFAS-CL furnished this information. Date Initial Entry Military Service (DIEMS) (or Date Initial Entry Uniformed Service ( DIEUS): Is the determining factor of which pay formula is used in computing retired pay. Note: Academy time, delayed enlistment (DEP), enlistment as a Reserve in senior ROTC are included in determining Date Initial Entry Military Service (DIEMS). Prior to 8 Sep 80: Old system On or after 8 Sep 80: Total the last 36 months of basic pay (for your grade and years of service), prior to retired pay effective date and divide total by 36 equals average for pay computation. DFAS-CL furnished this information. Date Initial Entry Military Service (DIEMS) (or Date Initial Entry Uniformed Service ( DIEUS): Is the determining factor of which pay formula is used in computing retired pay. Note: Academy time, delayed enlistment (DEP), enlistment as a Reserve in senior ROTC are included in determining Date Initial Entry Military Service (DIEMS).

41. Reserve Retired Pay Computations Total retirement points x point value = monthly retired pay Prior to 8 Sep 80 : MSgt 3,000 retirement points 26 years of service 3,000 X .32917 = $987 per month On or after 8 Sep 80 : MSgt 3,000 retirement points 26 years of service 3,000 X .32463 = $973 per month 41 Point values come from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. The chart may be found on the ARPC Homepage under ?Careers? tab then ?Retirements/Separations? then ?Point Valuation for Retirement Benefits? Point values come from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. The chart may be found on the ARPC Homepage under ?Careers? tab then ?Retirements/Separations? then ?Point Valuation for Retirement Benefits?

42. Reserve Retired Pay Computation Total retirement points x point value = monthly retired pay Prior to 8 Sep 80 : Lt Col 3,000 retirement points 22 years of service 3,000 X .57731 = $1,731 per month On or after 8 Sep 80 : Lt Col 3,000 retirement points 22 years of service 3,000 X .56933 = $1,707 per month 42 Point values come from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. The chart may be found on the ARPC Homepage under ?Careers? tab then ?Retirements/Separations? then ?Point Valuation for Retirement Benefits? Point values come from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. The chart may be found on the ARPC Homepage under ?Careers? tab then ?Retirements/Separations? then ?Point Valuation for Retirement Benefits?

43. Retired Pay Offset Federal law requires recoupment of VSI/SSB or VSP payments from those who receive retired pay Your pay will be adjusted by DFAS-Cleveland Maximum payback percentage will be 40% 43 DFAS-CL resumed recoupment of VSI/SSB pay in August 2010, with a maximum payback percentage of 40%. Old recoupment formula: divide the total days service for retirement prior to the separation by the total days of service for retirement: the resulting fraction is the percentage of retired pay to recoup until the entire amount has been collected. Example: 5228 days divided by 7380 ret points = 70% For Reserve retirement, days of service for retirement = retirement points. This is an estimated percentage since DFAS CL will make the final calculations. They do not take the entire paycheck for payment, only a percentage. The member can collect their VSI payments until the end date they were given (in their agreement) when they began collecting VSI, even if that date is after the date they begin drawing Reserve retired pay (usually the 60th birthday). Federal law requires recoupment of VSI or SSB payments from those who receive retired pay Gross amount of VSI or SSB paid is recouped DFAS-CL resumed recoupment of VSI/SSB pay in August 2010, with a maximum payback percentage of 40%. Old recoupment formula: divide the total days service for retirement prior to the separation by the total days of service for retirement: the resulting fraction is the percentage of retired pay to recoup until the entire amount has been collected. Example: 5228 days divided by 7380 ret points = 70% For Reserve retirement, days of service for retirement = retirement points. This is an estimated percentage since DFAS CL will make the final calculations. They do not take the entire paycheck for payment, only a percentage. The member can collect their VSI payments until the end date they were given (in their agreement) when they began collecting VSI, even if that date is after the date they begin drawing Reserve retired pay (usually the 60th birthday). Federal law requires recoupment of VSI or SSB payments from those who receive retired pay Gross amount of VSI or SSB paid is recouped

44. Retired Pay ? Benefits 44 In addition to your current benefits and pay, you and your dependents will receive medical benefits. Space A travel will be expanded for the retiree to include overseas travel for eligible family members. Same benefits as AD retirees Retirees are currently not getting CACs (as of Oct 09) Once you start drawing pay, the only increases you will get are through the COLAs. Average COLA increase in the past has been 2% to 2 ?% however there was no COLA adjustment made for 2010 or 2011. Currently reduced retired pay age members are not eligible for TRICARE until age 60 In addition to your current benefits and pay, you and your dependents will receive medical benefits. Space A travel will be expanded for the retiree to include overseas travel for eligible family members. Same benefits as AD retirees Retirees are currently not getting CACs (as of Oct 09) Once you start drawing pay, the only increases you will get are through the COLAs. Average COLA increase in the past has been 2% to 2 ?% however there was no COLA adjustment made for 2010 or 2011. Currently reduced retired pay age members are not eligible for TRICARE until age 60

45. ARPC Home Page 45 The screen for calculation is self explanatory. Software program was developed to help you compute retired pay The screen for calculation is self explanatory. Software program was developed to help you compute retired pay

46. AGR (Regular ? AD) Retirement AGR (Regular ? AD) Retirement (20 years active duty = immediate retired pay) 46

47. Eligibility Requirements Must complete 20 years Total Active Federal Military Service (TAFMS) Officers - 10 years of active commissioned service required for AGRs As computed in accordance with 10 USC 8925 (enlisted) or 10 USC 8926 (officer): 10 USC 8925 (a) For the purpose of determining whether an enlisted member of the Air Force may be retired under Section 8914 of this title, the years of service are computed by adding all active service in the Armed Forces. 10 USC 8926 (a) For the purpose of determining whether an officer of the Air Force may be retired under section 8911?of this title, his years of service are computed by adding- (1) All active service performed as a member of the Army or the Air Force; and (2) all service in the Navy or Marine Corps that may be included in determining the eligibility of an officer of the Navy or Marine Corps for retirement. Note: Lets dispel the myth about 7200/7300 pts getting you an AD retirement. Just because you have 7200/7300 points does not mean you are qualified for an AD retirement ? IDT, ECI, and membership points don?t count towards AD service, so you could have 7200/7300 points but not have 20 years TAFMS, which is what qualifies you for an AD retirement. RECENT LEGISLATION: NDAA FY 10 Section 643. Election to Receive Retired Pay for Non-regular Service Upon Retirement for Service in an Active Reserve Status Performed After Attaining Eligibility for Regular Retirement This section authorizes members of Reserve Components who served in an active reserve status in the Selected Reserve for not less than two years after becoming eligible for an active duty retirement to elect a non-regular retirement for which they are qualified SIMPLY PUT: May choose AD retirement or Reserve retirement (implementation pending) As computed in accordance with 10 USC 8925 (enlisted) or 10 USC 8926 (officer): 10 USC 8925 (a) For the purpose of determining whether an enlisted member of the Air Force may be retired under Section 8914 of this title, the years of service are computed by adding all active service in the Armed Forces. 10 USC 8926 (a) For the purpose of determining whether an officer of the Air Force may be retired under section 8911?of this title, his years of service are computed by adding- (1) All active service performed as a member of the Army or the Air Force; and (2) all service in the Navy or Marine Corps that may be included in determining the eligibility of an officer of the Navy or Marine Corps for retirement. Note: Lets dispel the myth about 7200/7300 pts getting you an AD retirement. Just because you have 7200/7300 points does not mean you are qualified for an AD retirement ? IDT, ECI, and membership points don?t count towards AD service, so you could have 7200/7300 points but not have 20 years TAFMS, which is what qualifies you for an AD retirement. RECENT LEGISLATION: NDAA FY 10 Section 643. Election to Receive Retired Pay for Non-regular Service Upon Retirement for Service in an Active Reserve Status Performed After Attaining Eligibility for Regular Retirement This section authorizes members of Reserve Components who served in an active reserve status in the Selected Reserve for not less than two years after becoming eligible for an active duty retirement to elect a non-regular retirement for which they are qualified SIMPLY PUT: May choose AD retirement or Reserve retirement (implementation pending)

48. How to Apply Complete on line application using HQ AGRs apply thru AFPC Track application online as it is processed Forward on line application to commander for coordination Must apply 6 months but no more than 1 year plus any terminal leave, prior to requested effective date

49. Survivor Benefit Plan Make Survivor Benefit Plan (SBP) election DD Form 2656 ? Attach to on-line retirement application Cost-approximately 6.5% of retired pay Previous RCSBP election becomes invalid upon retirement But, be sure to make your RCSBP election when you reach 20 years satisfactory service for Reserve retirement If a member made a previous election under RCSBP that RCSBP election becomes invalid upon retirement and an SBP election must be made on DD 2656 (application is online) (per AFI 36-3209, 5.34).If a member made a previous election under RCSBP that RCSBP election becomes invalid upon retirement and an SBP election must be made on DD 2656 (application is online) (per AFI 36-3209, 5.34).

50. 10 USC 8911 Retirement (Officer) TIG requirement Voluntary Retirement Lt Col and above - 3 years active duty service Major and below - 6 months active duty service Involuntary Separation All officers - 6 months active duty service MSD or involuntary separation from AD Effective 22 Mar 07, SAF authorized reduction of 3 year TIG requirement for retiring Guard/Reserve Cols/Lt Cols to 2 years TIG Applies to AGRs and traditional Guardsmen/Reservists who reach 20 years of TAFMS Involuntary TIG: LTC and above who apply for retirement under Title 10, USC 8911 after being told they will be released from active duty involuntarily, need 6 months active duty to fulfill time in grade requirement. Reference AFIs AFI 36-3203 AFI 36-3209Involuntary TIG: LTC and above who apply for retirement under Title 10, USC 8911 after being told they will be released from active duty involuntarily, need 6 months active duty to fulfill time in grade requirement. Reference AFIs AFI 36-3203 AFI 36-3209

51. 10 USC 8914 Retirement (Enlisted) Will retire in grade held on date of retirement Service commitment TIG policy CMSgt, SMSgt and MSgt - 2 years Pay may be at highest grade held Only SAF can approve grade lower than HGH Enlisted members retire in the grade held on date of retirement unless they held a higher enlisted grade on active duty. The FY 97 National Defense Authorization Act, signed 23 Sep 96, changed 10 USC 8963 (a) to ?A Reserve enlisted member of the Air Force described in subsection (b) who is retired under section 8914 of this title shall be retired in the highest enlisted grade in which the member served on active duty satisfactorily (or, in the case of a member of the National Guard, in which the member served on full-time National Guard duty satisfactorily), as determined by the Secretary of the Air Force. (b) This section applies to a Reserve enlisted member who --- ?(1) at the time of retirement is serving on active duty (or in the case of a member of the National, on full-time National Guard duty) in a grade lower than the highest enlisted grade held by the member while on active duty (or full time National Guard duty); and (2) was previously administratively reduced in grade not as a result of the member?s own misconduct, as determined by the Secretary of the Air Force. (c) This section applies with respect to Reserve enlisted members who are retired under Section 8914 of this title after September 30, 1996. Enlisted members retire in the grade held on date of retirement unless they held a higher enlisted grade on active duty. The FY 97 National Defense Authorization Act, signed 23 Sep 96, changed 10 USC 8963 (a) to ?A Reserve enlisted member of the Air Force described in subsection (b) who is retired under section 8914 of this title shall be retired in the highest enlisted grade in which the member served on active duty satisfactorily (or, in the case of a member of the National Guard, in which the member served on full-time National Guard duty satisfactorily), as determined by the Secretary of the Air Force. (b) This section applies to a Reserve enlisted member who --- ?(1) at the time of retirement is serving on active duty (or in the case of a member of the National, on full-time National Guard duty) in a grade lower than the highest enlisted grade held by the member while on active duty (or full time National Guard duty); and (2) was previously administratively reduced in grade not as a result of the member?s own misconduct, as determined by the Secretary of the Air Force. (c) This section applies with respect to Reserve enlisted members who are retired under Section 8914 of this title after September 30, 1996.

52. Retired Pay Computation There are 3 computations needed to determine Active Duty retired pay TAFMS - determines eligibility 1405 Service - determines retired pay percentage multiplier Service for Basic Pay (Longevity Service) Determines what pay scale to use Question: How do you compute time for an AGR Retirement? Answer: There is some confusion as to how the service for an active duty retirement is computed. Many people seem to think that 7200 active duty points equates to an active duty retirement. This is simply not true. Active duty retirements are not computed based on points; the retirement is based on service. In order to be eligible for an active duty retirement, a member must complete at least 20 years Total Active Federal Military Service (TAFMS). The TAFMS is computed as follows: for active duty tours of 31 days or more, subtract the beginning date from the ending date; for tours of 30 days or less, add all days together and divide the total by 30. If the total of all the active duty totals 20 years (or more) the member is eligible to retire with an active duty retirement. Enlisted members retire under the provision of Title 10, U.S.C., Section 8914 and Officers retire under Title 10, U.S.C., Section 8911. Reference: Title 10, section 1405 hence the name. Question: How do you compute time for an AGR Retirement? Answer: There is some confusion as to how the service for an active duty retirement is computed. Many people seem to think that 7200 active duty points equates to an active duty retirement. This is simply not true. Active duty retirements are not computed based on points; the retirement is based on service. In order to be eligible for an active duty retirement, a member must complete at least 20 years Total Active Federal Military Service (TAFMS). The TAFMS is computed as follows: for active duty tours of 31 days or more, subtract the beginning date from the ending date; for tours of 30 days or less, add all days together and divide the total by 30. If the total of all the active duty totals 20 years (or more) the member is eligible to retire with an active duty retirement. Enlisted members retire under the provision of Title 10, U.S.C., Section 8914 and Officers retire under Title 10, U.S.C., Section 8911. Reference: Title 10, section 1405 hence the name.

53. How to Compute 1405 Service What is 1405 Service? Inactive duty days/points (IDTs, ECI, Membership points) When not on full time active duty To compute 1405 service Credit one day for each reserve point Current limit is 130 points (days) per R/R year Total points for any R/R year cannot exceed 365 366 for leap year 53 1405 service will determine the retired pay percentage multiplier (the percentage used in computing retired pay) 1405 time is the membership, ECI, and IDT pts that are credited towards retirement after a member has earned 20 years TAFMS and becomes eligible for an AD retirement. If the last partial year is all AD then no 1405 time is credited towards retirement. (a member cannot have credit for more service than the number of days in the partial year) Limited to 130 points (days) per R/R year since Sept 2007 Previous years are based on max allowed by law (60, 75, 90) 1405 service will determine the retired pay percentage multiplier (the percentage used in computing retired pay) 1405 time is the membership, ECI, and IDT pts that are credited towards retirement after a member has earned 20 years TAFMS and becomes eligible for an AD retirement. If the last partial year is all AD then no 1405 time is credited towards retirement. (a member cannot have credit for more service than the number of days in the partial year) Limited to 130 points (days) per R/R year since Sept 2007 Previous years are based on max allowed by law (60, 75, 90)

54. Retired Pay Computations Which one applies to you? If initial entry into military service is: Prior to 8 Sep 80 - Pay scale in effect on retired pay effective date On or after 8 Sep 80 - Average of the high 36 months of AD prior to retired pay effective date On or after 1 Aug 86 - Average of the high 36 months of AD prior to retired pay effective date also applies to members accepting 15 year career status bonus Referred to as Redux or 40% at 20 years Based on Date of Initial Entry into Uniformed Services (DIEUS) ? this is the 1st time you sign an oath or a DD Form 4 Note: Academy time, delayed enlistment (DEP), enlistment as a Reserve in senior ROTC are all included in determining your Date Initial Entry Military Service (DIEMS). Public Law 99-348 created the Military Retirement Reform Act (MRRA) of 1986 (known as Redux). This Act changed the manner in which retired pay would be computed for all members who initially enter the service on or after August 1, 1986. Amended on October 5, 1999, with the passage of P.L. 106-65, Congress amended the MRRA by creating the Career Status Bonus, or CSB. This bonus, in the amount of $30,000.00 is to be offered to service members as they reach 15 years of service. Under MRRA a member with 20 years of service would have the percentage multiplier reduced by 1% for each full year of service less than 30 years (or 40% at 20 years). Cost of Living increases would also be reduced by 1%. Retired pay would be restored when the retiree reached age 62 to the amount that would have been paid had it not been subject to the reduced percentage multiplier. Based on Date of Initial Entry into Uniformed Services (DIEUS) ? this is the 1st time you sign an oath or a DD Form 4 Note: Academy time, delayed enlistment (DEP), enlistment as a Reserve in senior ROTC are all included in determining your Date Initial Entry Military Service (DIEMS). Public Law 99-348 created the Military Retirement Reform Act (MRRA) of 1986 (known as Redux). This Act changed the manner in which retired pay would be computed for all members who initially enter the service on or after August 1, 1986. Amended on October 5, 1999, with the passage of P.L. 106-65, Congress amended the MRRA by creating the Career Status Bonus, or CSB. This bonus, in the amount of $30,000.00 is to be offered to service members as they reach 15 years of service. Under MRRA a member with 20 years of service would have the percentage multiplier reduced by 1% for each full year of service less than 30 years (or 40% at 20 years). Cost of Living increases would also be reduced by 1%. Retired pay would be restored when the retiree reached age 62 to the amount that would have been paid had it not been subject to the reduced percentage multiplier.

55. AGR (AD) Retired Pay Computations 55 Base Pay comes from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. Base Pay comes from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart.

56. AGR (AD) Retired Pay Computations 56 Base Pay comes from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart. Base Pay comes from the 2011 Point Valuation for Retirement Benefits for Reserve and Guard Member chart.

57. Questions?


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