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26 May 2010
ARMY NATIONAL GUARD
PRE-RETIREMENT BRIEFING
SSG Jeremiah Macioroski(RPAM NCO) Oregon Army National Guard
JFHQ Salem, OR
503-584-3685 [email protected]
26 May 2010
Agenda
• What Now?
• The RSO Program
• ID Cards
• Retirement Benefits - ‘Gray Area’ vs. Retiree
- Certificates and Awards
• Early Draw of Retired Pay
• Facts about Retired Pay - TSP
- Divisible Property
• Medical Considerations
- Retirement Physicals
• VA Programs and Disability - CRSC/SR Disability
• TRICARE
- Retiree Dental Program
• More Benefits - SGLI/VGLI
- ACAP
- SPACE-A
**Ask Questions as We Go!!
26 May 2010
THIS NOTICE DOES NOT RETIRE
YOU!!!!
• You have met the minimum time to be eligible for
Non-Regular Retirement, however…
– You still have a contract
– You still go to Drill
– You must submit an ‘Intent to Retire’ through your chain of
command
What Now?
26 May 2010
Your Options Upon Receipt of Your
“20 Year Letter/NOE”
What Now?
Remain in the Army
National Guard
Transfer into an Army
Reserve Control Group
Be Discharged from the
Military
Continued Service Means:
•Continue Drilling
•More Points
•More Years
•More Money
Retired Reserves (Gray
Area):
•Can’t Earn Points
•No More Drilling
•Continue Earning COLA
•Chance to be Mobilized: Slim
Reinforcement (IRR):
•Can continue to earn points
•Continue Earning COLA
•Chance to be Mobilized: High
Separation Means:
•Can’t Earn Points
•Don’t Earn COLA
•Chance to be Mobilized: Slim
•No ID Card (No Gray Area
Benefits)
26 May 2010
• Must submit a “Letter of Intent” to retire to your
Chain of Command
• Impact on incentives
– Post 9/11 GI BILL
• Must identify dependants before
separation
– Re-enlistment bonus
• Possibility of recoupment if not
serving complete reenlistment
What Now?
Planning your Separation Date
SGT Cassandra Nitti
State Incentives Manager
503-584-3816
CW4 Diane Beach
Education Services Officer
503-584-3456
26 May 2010
• “Letter of Intent” to chain of command
– Must include date soldier wants to be Transferred
• Separation Counseling (Mil Form 635)
– Make sure to select Ret Res
• Clear supply (Mil Form 700)
• Must include 20 year letter for verification of
eligibility
What Now?
The Retirement Process
26 May 2010
• In 1950 – There were 9 retired
members for every 100 active members
• In 1988 – There were 72 retired
members for every 100 active members
• In 2007 – There were 136 retired
members for every 100 active members
Statistics
26 May 2010
MISSION
• Governed by AR 600-8-7
• Developed to assist Soldiers in their transition from active
service to retirement, and to support them in retirement.
The RSO Program
PROGRAM HIGHLIGHTS
• Retirement Services Officers
• Army Echoes - http://www.armyg1.army.mil/rso/echoes.asp
• CSA Retiree Council
• Survivor Benefit Plan (SBP)
• Retiree Appreciation Days (RADs)
26 May 2010
The RSO Program
PRE-RETIREMENT SUPPORT
• Records reviews and updates
• Pre-retirement briefings
• Survivor Benefit Plan (SBP) counseling
• Retirement literature
• Other transition services
POST-RETIREMENT SUPPORT
• Assist with pay, ID cards
• Retiree Appreciation Days (RAD)
• Retiree Councils
26 May 2010
The RSO Program THE ARMY G-1 WEBSITE
• Army Echoes
• Current News
• Survivor Benefit Plan (SBP)
• Benefits & Entitlements Information
• Retirement Services Officer (RSO) Listing
• Pre-Retirement Counseling Guide & Briefing
• Retiree Appreciation Day (RAD) Information
• Former Spouses & Forgotten Widows Information http://www.armyg1.army.mil/retire
26 May 2010
RETIREE ID CARD • New ID cards needed to reflect sponsor’s retired
status (gray area retiree/retiree receiving pay)
• Needed for Retiree to use benefits
ID Cards
http://www.dmdc.osd.mil/rsl/owa/home
DEPENDANT ID CARDS • Children eligible to age 21 or 26 if full-time student;
indefinite if incapacitated
• Permanent ID card to retiree’s dependent at age 75 or who is permanently disabled
• Dependent parents/parents-in-law/grandchildren may qualify
26 May 2010
FORMER SPOUSE ID CARDS
• Authorized ONLY if:
- Marriage lasted at least 20 years, AND
- Service for retired pay was at least 20 years
• If above two conditions are met, the former spouse is
authorized :
– Full dependant benefits (marriage overlaps 20 years)
– 1 year of TRICARE (marriage overlaps 15 years)
– No benefits if the marriage overlaps less than 15 years of
military service.
ID Cards
26 May 2010
Retiree Benefits
**Won’t Receive TRICARE or Pay Until Later!!
GRAY AREA BENEFITS • COMMISSARY
• EXCHANGES
• ID CARD
• MWR FACILITIES
• MOVIE THEATER
• TRANSIENT BILLETING
• LEGAL ASSISTANCE
• DENTAL INSURANCE
• VGLI
• SURVIVOR BENEFIT PLAN
• BURIAL FLAG
• SPACE A TRAVEL
GRAY AREA BENEFITS
• Medical Insurance (TRR)
• COMMISSARY
• EXCHANGES
• ID CARD
• MWR FACILITIES
• MOVIE THEATER
• TRANSIENT
BILLETING
• LEGAL ASSISTANCE
• DENTAL INSURANCE
• VGLI
• SURVIVOR BENEFIT
PLAN
• BURIAL FLAG
• SPACE A TRAVEL
26 May 2010
Retiree Benefits
RETIREE BENEFITS
• PAY!!
• COMMISSARY
• EXCHANGES
• ID CARD
• MWR FACILITIES
• MOVIE THEATER
• TRANSIENT BILLETING
• TRICARE!!
• LEGAL ASSISTANCE
• DENTAL INSURANCE
• VGLI
• SURVIVOR BENEFIT PLAN
• BURIAL FLAG
• SPACE A TRAVEL
RETIREE BENEFITS
• PAY!!
• COMMISSARY
• EXCHANGES
• ID CARD
• MWR FACILITIES
• MOVIE THEATER
• TRANSIENT
BILLETING
• TRICARE!!
• LEGAL ASSISTANCE
• DENTAL INSURANCE
• VGLI
• SURVIVOR BENEFIT
PLAN
• BURIAL FLAG
• SPACE A TRAVEL
26 May 2010
CERTIFICATES and AWARDS
• 3’x 5’ Retirement Flag
• Presidential Certificate (20 yrs) or Presidential Letter
Retiree Benefits
of Recognition (30 yrs or meeting
other criteria)
• Unit can submit for service
awards at retirement
• Spousal Certificate of
Appreciation (if applicable)
26 May 2010
Public Law passed by Congress and Effective
28 Jan 2008
Eligibility For Early Draw
of Retired Pay
• Reserve members can draw retired pay 3 months early
for every 90 cumulative days in a Fiscal Year
• Eligible Mobilizations include: - Title 10 USC 688, 12301(a), 12302, 12304, 12305, 12406,
12301(d)(c)
- Title 32 USC 502(f)
**Continued support to make law retroactive to Sept 11, 2001
26 May 2010
• Apply for Retired Pay up to 1 year prior to eligibility
• Paid by DFAS-Cleveland
• Payable 1st working day of each month (not necessarily the
1st)
• Direct Deposit is required
• Pay statement issued only when pay changes
• May use “MyPay” to make online pay changes
• Keep correspondence address current
• Direct Deposit is available in many countries
Facts about Retired Pay
https://www.hrc.army.mil/site/reserve/soldierservices/retirement/retirementcalc.asp
http://www.dod.mil/dfas
26 May 2010
FICA not deducted from retired pay!
When eligible, you will draw
FULL Social Security and FULL military retired pay!
Facts about Retired Pay
Go to http://www.ssa.gov for in-depth Social Security information
SOCIAL SECURITY ADMINISTRATION
26 May 2010
Facts about Retired Pay
THRIFT SAVINGS PLAN
• TSP contributions stop upon transfer to the Retired
Reserves
• Your options at retirement:
– Do nothing and draw returns at age 60
• Not affected by early draw legislation
– Roll into an IRA
• May resume active participation in TSP if you
become a federal civilian employee www.tsp.gov
26 May 2010
• Award of retired pay is not tied to length of marriage!!
• Federal law permits state courts to treat retired pay as divisible property
• Direct payment requirements: – Marriage overlapped 10 years with service
– Limited to 50% of disposable pay(up to 65% if other garnishments)
• Direct Payments do not stop if/when former spouse remarries
Facts about Retired Pay
RETIRED PAY AS DIVISIBLE PROPERTY
26 May 2010
• Active Duty requires a retirement physical per AR 40-501, CH 8-23
• Not Required for Reserve Component members, but recommended – Your last, and up to date, record of active service health – Assists with claim for VA service-connected disability
• Schedule through your Unit FTM
Medical Considerations
RETIREMENT PHYSICAL
26 May 2010
• Ensure all medical documentation is in your records before you retire – VA and other organizations will not accept hand carried
records from the soldier
Medical Considerations
YOUR MEDICAL RECORDS BELONG TO THE GOVERNMENT!!
• Make a copy of your records – May be difficult to obtain after
you retire
• Another good reason for a retirement physical
26 May 2010
VA Disability Compensation
Combat Related Special
Compensation (CRSC)
Service Connected
Disability
VA Determines that disability is
combat related
VA Determines that disability is a
result of military service
• CRSC is received by the retiree
concurrently with retired pay
• Service Connected Disability is
received by the retiree if disability is
rated at 50% or higher (ratings of less
than 50% will offset the soldier’s retired
pay)
More information on these programs is available at 1-866-281-3254 And online:
https://www.hrc.army.mil/site/crsc/ http://www.dod.mil/prhome/mppcrsc.html
http://www.armyg1.army.mil/retire
26 May 2010
VA Contact Information
ONLINE • http://www.va.gov
• Send e-mail inquiries
• Download forms
• Benefits information and literature
• Apply for Benefits
BY PHONE
Benefits: 1-800-827-1000 Education: 1-888-GIBILL-1 Insurance: 1-800-697-6947 Gulf War: 1-800-749-8387 TDD: 1-800-829-4833
26 May 2010
TRICARE PROGRAMS
• TRICARE Retired Reserve
• TRICARE-for-LIFE
• TRICARE Retiree Dental Program
• Federal Long-Term-Care Insurance
TRICARE
http://www.tricare.mil/
TRICARE West Region
TriWest Healthcare Alliance Corp.
1-888-TRIWEST (1-888-874-9378)
www.triwest.com
26 May 2010
TRICARE-for-Life
• Eligible parties include:
• Retiree, their families, & survivors
• Certain former Spouses
• Medal of Honor recipients, their families, & Survivors
• TLC facts:
• 2nd Payer to Medicare in CONUS
• 1st Payer OCONUS
• Last payer when other health insurances exist
• At age 65 be enrolled in MEDICARE Part B
TRICARE
26 May 2010
• Who’s Eligible:
– Retirees (any age!)
– ‘Gray Area’ Reserve retirees, not yet age 60
– Medal of Honor recipients
– Spouses, un-remarried surviving spouses, and eligible children of both groups
• Where it’s Available:
– U.S., District of Columbia, Puerto Rico, Canada, U.S. Virgin Islands, Guam, American Samoa, and the Commonwealth of the Northern Mariana Islands
TRICARE TRICARE Retiree Dental Program
1-888-838-8737
www.trdp.org
26 May 2010
LONG TERM CARE INSURANCE
• Launched by OPM in 2002
• Military retirees & families are eligible
• Now gray-area retirees are too!
• For care not covered by TRICARE
• Enroll anytime…no Open Season wait
• Certain medical conditions or combinations of
conditions will prevent some people from being
approved for coverage; apply to learn if you qualify
Federal LTC
http://www.LTCFEDS.com
26 May 2010
SGLV to VGLI • SGLI is FREE for 120 days after transfer (or up to one year if 100%
disabled)
• No physical required to convert SGLI to VGLI (if done within 120 days after ret)
• VGLI is a 5-yr renewable term policy
• Premiums may be paid by allotment, if paid monthly
• Discounts are offered for the following pay schedules: – quarterly (2.5%)
– semi-annually (3.75%)
– annually (5%)
• Submit the first month’s VGLI premium with your application
• If terminally ill, may receive up to 50% of policy’s face value
More Benefits
http://www.insurance.va.gov/sglisite/default.htm
26 May 2010
Insurance
Amount Age 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75 &over
$400K $76 $100 $160 $280 $450 $600 $900 $1800
$300K $57 $75 $120 $210 $337 $450 $675 $1350
$250K $47 $62 $100 $175 $281 $375 $562 $1125
$200K $38 $50 $80 $168 $225* $300 $450 $900
$150K $28 $37 $60 $126 $168 $225* $337 $675
$100K $19 $25 $40 $70 $112 $150 $225* $450
$50K $9 $12 $20 $35 $56 $75 $112 $225*
More Benefits (cont.)
SGLV to VGLI
26 May 2010
Still eligible to enlist soldiers into the ORARNG and
other services under G-RAP
More Benefits (cont.)
www.GuardRecruitingAssistant.com http://www.acap.army.mil
• You may initiate the ACAP process 2 yrs before retirement • Eligible for ACAP services on a space-available basis - FOREVER!
– Consists of: • Pre-separation counseling • Job assistance workshops • Individual counseling • Job search resources
G-RAP (Suspended)
ACAP
26 May 2010
• Retirees may travel within CONUS or OCONUS
• Change to family member privileges:
– A 1-year test began 1 Apr 03, and has been extended indefinitely
– Allows dependents to travel in CONUS with the military sponsor
• May FAX request to site; stay on list 60 days
• Benefit ends for family members with death of retiree
• Be flexible!
More Benefits (cont.)
SPACE-A TRAVEL
http://public.amc.af.mil/Library/SPACEA/spacea.htm
www.us.army.mil
RETIREE AKO ACCOUNT
• Your AKO will still be available to you in retirement – No action necessary – Excellent way to keep up on military events
26 May 2010
THANK YOU
For Your Service
SSG Jeremiah Macioroski(RPAM NCO) Oregon Army National Guard
JFHQ Salem, OR
(503)584-3685 [email protected]