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VGLI

A ve-year term life insurance policy available tothose who had SGLI while on active duty. http://www.insurance.va.gov

USFHP

Uniformed Services Family Health Plan A plan

that serves enrolled retirees and Families in areasaround former Public Health hospitals. http://www.usfhp.com

USFSPA

Uniformed Services Former Spouses ProtectionAct A law pertaining to division of retiredpay and election of SBP as determined by statecourts. http://www.armyg1.army.mil/rso/docs/FSPA/usfspa.doc

PERSONALIZE THIS PAMPHLETUsing http://www.armyg1.army.mil/rso/rso.aspasyour source, note the following:

Phone and e-mail for your RSO:

________________________________________

Your RSOs homepage:

________________________________________

From that homepage, dates of preretirement

briengs:

________________________________________

Get Readyfor RetireentIts the Rest of Your Life!

Get Readyfor Retireent

Its the Rest of Your Life!

For more information, these are some of thepamphlets prepared by HQDA, Army RetirementServices that are available from your RSO and areavailable at http://www.armyg1.army.mil/retire.

Which Retired Pay Plan Are You Under?

The Survivor Benet Plan (SBP) Basic Questions Answered

Survivor Benet Plan Facts vs. Myths

Uniformed Services Former SpousesProtection Act

Retiree Casualty Assistance Checklist

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Retirement takes planning, planning that shouldinclude the Soldier and the Family. You should notexpect someone else to take care of your retirementfor you or let it happen by chance. Would you takeeven a short Family trip without knowing yourdestination, your route and everything you needed

for the trip? Of course not.

As a general rule, you should not retire on impulse.Each Soldier and Family should look ahead towardthat day when retirement is possible and thenconsider the options. If you plan to retire in thenext two years,

its a good ideato review thefollowing steps

and subjects.While the thoughtof retiring isdaunting to some,proper planningwill put it inperspective.

OFFICES TO

CONTACT

Following are three important oces to contactbefore you decide to retire.

FIRST Contact the human resources specialistat your personnel oce to see if you are eligibleto retire.

SECOND Contact your Retirement ServicesOcer (RSO) for information on retirement benetsand entitlements; retired pay; the Survivor BenetPlan (SBP); health benets; and for the preretirement

brieng schedule. RSOs are listed at http://www.armyg1.army.mil/rso/rso.asp .

THIRD Contact your Army Career and AlumniProgram (ACAP) oce (http://www.acap.army.mil)for information on nding a job.

FOURTH Arrange for your preretirement physicalas early as possible.

THROUGHOUT Share and discuss informationwith your Family!

SUBJECTS TO STUDY

Getting ready to retire means learning about andkeeping current on a wide variety of subjects.Following are a few of these subjects and theirwebsites. For more information, including a copy of

the preretirement brieng, visit the Army RetirementServices site http://www.armyg1.army.mil/retire.

COMBAT-RELATED SPECIAL COMPENSATION (CRSC)

A special payment for retirees with combat-relateddisabilities whose retired pay is reduced by disabilitypay received from the Department of Veterans Aairs(VA). http://www.crsc.army.mil

CONCURRENT RETIREMENT AND DISABILITY

PAYMENTS (CRDP)

A special payment for retirees rated by the VA asat least 50 percent disabled whose retired pay isreduced by VA disability pay. http://www.dfas.mil/rapay/disability/crscandcrdp.html.

DENTAL INSURANCE

The TRICARE Retiree Dental Program (TRDP) is afee-for-service plan, funded entirely by enrollee-paidpremiums. http://www.DDPdelta.org

DEPENDENCY & INDEMNITY COMPENSATION (DIC)

A VA tax-free benet paid to surviving spouses andchildren of Veterans who die of a service-connecteddisability. http://www.vba.va.gov/survivors/

HOME OF SELECTION

The retirement site selection made within oneyear of retirement to which household goodswill be shipped at government cost. http://www.armyg1.army.mil/rso/docs/Pre/Pre-Retirement-Brieng.ppt (Slide 44)

RETIRED PAY

Payable during the retirees lifetime; calculatedby length of service, pay grade, and amount ofactive duty pay. http://www.dfas.mil/rapay.html

How can you provide payment for your Familyafter your death? See the next entry.

SURVIVOR BENEFIT PLAN (SBP)

An option for a retiree to elect to receive reducedretired pay so that payments can go to survivingspouse and/or children after the retirees death.http://www.armyg1.army.mil/rso/sbp.asp

TRICARE

A three-option health care program available toeligible beneciaries who are not yet Medicare-eligible. http://www.tricare.mil

TRICARE FOR LIFE (TFL)

A combination of TRICARE and Medicarecoverage for Medicare-eligible, uniformedservices beneciaries. http://www.tricare.mil/t

VETERANS BENEFITS

The Department of Veterans Aairs (VA) is yoursource for information on a host of programsincluding home loans and education.http://www.va.gov

VA DISABILITY COMPENSATION

Tax-free compensation from the VA, based onservice-connected disability.http://www.vba.va.gov

PREPARING FOR RETIREmENT

Retirementiswhereyoullbespendingtherestofyourlife youneedtoprepareforit.