Welcome to the Georgia Army National Guard

Transitions Seminar

SSG Moorman

Retirement Services

What makes me eligible to request retirement? How do I retire from the Guard? Reduced retirement age eligibility Georgia Military Pension Fund Options when medically retired as result of MEB

or PEB CRSC vs. CRDP How and when to apply for retired pay? Other benefits

Topics

NGB 23 (RPAM)

• 20-Year letters are generated after close of Soldiers AYE and will issued the following month.

• The original 20-year letter is mailed to the soldiers Home ofRecord.

• A copy is scanned and placed in IPERMS.

• SPB is automatic. However, Soldier has 90 days after 20 year letter generated to decline coverage.

Notice of Eligibility for Retired Pay

Retired Reserve• Pros: NO Drill! Retirement pay will be based on the pay tables at the time you reach your eligible

age for retired pay.• Cons: Can no longer receive retirement points

Individual Ready Reserve (IRR)Pros: You can continue to earn retirement points. Retirement pay will be based on the pay tables

at the time you reach your eligible age for retired pay.Cons: Must earn a minimum of 50 retirement points per year (IDT, AT, Membership, etc.) to stay

in this status. If you fail to earn the points, you could be discharged from the military.

Non Regular Retirement Options

▪ Includes:▪ DA 4187▪ 20 year letter▪ Completed Award▪ Retirement Services Incentive (RSI) request▪ Presidential Letter of Appreciation for 30 qualifying years of service (if applicable)

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Non Regular Retirement Packet

▪ G-1 will send you:

▪ Retirement Order▪ Closeout NGB 23B (RPAM Statement)▪ NGB 22 (Report of Service/Separation)▪ Retirement Certificate▪ Flag and Pin Set

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Retirement Documents

The National Defense Authorization Act for 2008 amended 10 USC § 12731, reducing the eligibility age for Reserve retirement pay

A way to show appreciation for Reserve Component sevicemembers who served in certain types of tours

Reduces eligibility to receive retirement pay below age 60 Retirement pay may not be reduced below age 50 NOTE: Reserve retiree healthcare and other retirement

benefits remain at age 60, regardless of eligibility age for Reserve retirement pay

The law does not provide credit for time served before 29 Jan 2008

NDDA 2020 changes include deployment title 12304(b)

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Reduced Retirement Age

Eligible for retirement (received Notice of Eligibility for Retired Pay).

Eligible active duty service (as a member of the Ready Reserve) was on/after 29 January 2008.

Eligibility will be reduced below age 60 by 3 months for each cumulative total of 90 eligible days of active duty service per calendar year.

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Reduced Retirement Age(How to Qualify)

Eligible Active Duty ServiceCalled or ordered to active duty under the following provisions:- 10 USC § 101(a)(13)(b)- 10 USC § 12301(a)- 10 USC § 12301(d)- 10 USC § 12302- 10 USC § 12304- 10 USC § 12310- 32 USC § 115- 32 USC § 502(f) – Specific to a presidential call-up for national

emergencies (e.g. Hurricane Katrina)

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**If you were deployed overseas or on orders in support of the Global War on Terrorism since 2008, you most likely qualify for reduced retirement.

Reduced Retirement Age(How to Qualify)

▪ Individual mobilization orders ▪ DD 214▪ Documents must be submitted through chain of command to

G-1 (RPAM section) in order to request reduced retirement update on the NGB 23B (RPAM Statement)

▪ Requests accepted for Soldiers with at least 18 years of service, over the age of 58, or considering retirement within the next 12 months

▪ Periods of qualifying years reduced will be shown on the NGB 23B (RPAM Statement) as RPED

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Reduced Retirement Age(Documents)

Notice of Eligibility (NOE) 15 YearsNGR 600-200, para 2-13

15 Year NOE

• Soldiers with at least 15 years of qualifying service who are found unfit for continued military service due to a physical disability, not through misconduct, may be issued this written notice of eligibility for non-regular retirement.

▪ A 15yr letter is authorized when a Soldier is solely found unfit for duty due to a physical disability. Other administrative reasons for separation cannot be combined with physical disability retirements i.e. MRD and Unfit for duty

• This NOE will not be issued automatically but on a case by case basis as a Soldier meets all the qualifications above.

• This memorandum will be required at the time of application for retired pay.13

Medical Retention Determination Point (MDRP)- Soldiers are identified with medical conditions or physical defects that fall below medical retentions standards IAW AR 40-501, Chapter 3.

Physical Evaluation Board (PEB)- Determines if Solder is deemed fit or unfit for duty.

Medical Evaluation board (MEB)-Required if there is a military-related injury.

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Medical Retirement

Disability Retirement Basics:• Must be awarded by Physical Disability Evaluation Board process• Retirement awarded on disability rating of 30% or more• Can be temporary or permanentDisability Severance Basics:• Must be awarded by Physical Disability Evaluation Board process• Severance awarded on disability rating of 20% or less• Will prohibit you from taking non-regular retirement!

Disability Retirement/Disability Severance

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Promotion when placed on the Disability Retired List▪ Per the provisions of 10 USC § 1372, Soldiers on a promotion list at the

time of retirement disability will be retired for disability at the promotion list grade. Further, the Soldier will be promoted to the designated grade effective the day before placement on the retired list.

▪ Per the provisions of the 10 USC § 1212, Soldiers who are on a promotion list at the time of separation for disability with entitlement to disability severance pay will be paid such compensation at the promotion list grade. Further, the Soldier will be promoted to the designated grade effective the Soldiers separation date.

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Disability Separationor Retirement Process

▪ Congress established CRSC in 2002, and it became effective June 1, 2003, so Veterans may receive retired pay for combat-related injuries.

▪ In January 2008, CRSC was extended to those with less than 20 years of service under Section 641 of the National Defense Authorization Act.

▪ If a retiree has a combat-related injury, is on the Temporary Disability Retired List (TDRL) or Permanent Disability Retired list (PDRL), and has received a VA rating of 10% or more, then they may be eligible for CRSC.

▪ First time applying just complete DD 2860 with supporting documents

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Combat-RelatedSpecial Compensation (CRSC)

Concurrent Retired and Disability Pay (CRDP) allows military retired Soldiers with a VA disability of 50% or greater to receive both retired pay and VA compensation. Title 10 USC 1414 DODFMR Volume 7B, Chapter 64

Reserve Soldiers with a 20 year NOE and a disability retirement can send their NOE and NGB 23 (RPAS) to DFAS when they reach age 60 to begin receiving entitlement. Retired pay will be recalculated at the non-regular rate.

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Concurrent Retirementand Disability Pay (CRDP)

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CRSC & CRDP Comparison

Combat Related Special Compensation Concurrent Retirement and Disability Pay

Combat related disabilities Service connected disabilities

• Armed conflict (e.g. wounds)

• Simulated combat (e.g. FTX)

Retired pay that would have been waived by the Soldier in order to receive disability pay is restored (i.e., no $ for $ off-set of retired pay)

• Hazardous service (e.g. parachute duty)

• Instrumentalities of war (e.g. combat vehicles)

10%-100% disability rating (combat related) 50%-100% disability rating (service connected)

Not taxable; not divisible in divorce Taxable; divisible in divorce

Receiving retired pay 20-year (Active or RC) or TERA retirement

Must apply to HRC Automatic; no application required

https://www.hrc.army.mil/TAGD/Apply%20for%20CRSC http://www.dfas.mil/retiredmilitary/disability/crdp.html

▪ Retirees may travel CONUS and OCONUS

▪ Dependents 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

▪ For more information:http://publc.amc.af.mil/Library/SPACEA/ spacea.htm

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“Space-A” Travel

SGLI is FREE for 120 days after retirement (or up to two years if 100% disabled)

No physical required to convert SGLI to VGLI (if done within 240 days after retirement)

VGLI is a 5-year renewable term policy Premiums may be paid by allotment, if paid monthly Discounts are offered for the following pay schedule:

▪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 face value

For more information on VGLI, go to the following website: http//www.insurance.va.gov/sglisite/default.htm

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Servicemembers Group Life Insurance (SGLI)Veterans Group Life Insurance (VGLI)

VGLI COSTS

40-44 45-49 50-54 55-59 60-64 65-69 70-74 75 &over$400K $68.00 $88.00 $144.00 $268.00 $432.00 $600.00 $920.00 $1840.00

$300K $51.00 $66.00 $108.00 $201.00 $324.00 $450.00 $690.00 $1380.00

$250K $42.50 $55.00 $90.00 $167.50 $270.00 $375.00 $575.00 $1150.00

$200K $34.00 $44.00 $72.00 $134.00 $216.00 $300.00 $460.00 $900.20

$150K $25.50 $33.00 $54.00 $100.50 $162.00 $225.00 $345.00 $690.00

$100K $17.00 $22.00 $36.00 $67.00 $108.00 $150.00 $230.00 $460.00

$50K $8.50 $11.00 $18.00 $33.50 $54.00 $75.00 $115.00 $230.00

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New ID cards need to reflect sponsor’s retired status

Children eligible to age 21 (or 23 if full-time student); indefinite if incapacitated

Age 60 (or reduced retirement age) same privileges as Active Component

Permanent ID card to retiree’s dependent at age 75 or who is permanently disabled

Dependent parents/parents-in-law may qualify

FIND NEAREST ID CARD ISSUING FACILITYhttp://www.dmdc.osd.mil/rsl/owa/home

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Retired ID Card

• Retired pay is not automatic. Retired pay application must be submitted prior to reaching eligibility age (60th birthday or reduce retirement age).

• Application for retired pay should be completed and sent to the Human Resource Command, Fort Knox no earlier than one year and no later than 90 days prior to the date retired pay is to start.

• Soldiers are responsible for submitting their retirement application.

• The State RSO can assist Soldiers with submitting the retired pay application to HRC (Human Resource Command)

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Submission of Retired Pay Application

Application for Retired Pay

• DD Form 108 (Application for Retired Pay)• DD Form 2656 (Data for Retired Pay Benefits)• NGB Form 23C (ARNG RPAM Statement for Retired Pay)Copy the NOE (20 year or 15 year)• NGB 22 or Retirement order• Any forms showing changes to the RCSBP election

DD 2656-6, DD 2656-1, NGB Form 23F (automatic election), divorce decrees, marriage certificates, birth certificates, adoption papers

• Documents to support reduced age retirement (if applicable)DD 214s, DD 215s, DD 220, Mobilization Orders, LES▪ Copy of approved waiver to serve beyond age 60 (if applicable)

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Is there a Statute of Limitations on Retired Pay? Reference: 31 USC 3702

Yes! There is a 6 year statute of limitations for back pay of retired pay.

• A claim must be filed within 6 years from the date of eligibility for retired pay.

• If not filed within the 6 year limitation, 1 day’s retired pay is lost for each day of delay in filing the application.

• Example: If you became eligible for retired pay on 2 July 2000 and the application for retired pay was not processed by DFAS until 2 September 2006, payment can only be made from 2 September 2000

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Retired pay – paid by DFAS- Indianapolis

Payable1st work day of month (not necessarily the 1st)

Direct deposit strongly encouraged

Pay statement issued only when pay changes

May use my Pay website to make online pay changes

Keep home (mailing) address current

For more information on retired pay, use the following website: http://www.dod.mil/dfas

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Retired Pay Facts

FICA not deducted from retired pay

When eligible, you will draw:▪ Full Social Security ▪ Full military retired pay

Go to http://www.ssa.gov for in-depth Social Security information

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Social Security Tax (FICA)

▪ Effective 1 July 2002

▪ Must submit application (90 days before 60th birthday)

▪ Has completed 20 or more years of creditable service

▪ Served 15 years or more with the Georgia Guard, with the last 10 served consecutively, before retirement

▪ More information can be found www.ers.ga.gov

Georgia Military Pension Fund (GMPF)

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RESERVE COMPONENT SURVIVAL BENEFIT

PLAN

RC-SBP

Reserve Component Survivor Benefit Plan (RC-SBP) gives retirement eligible Soldiers the option to leave up to 55% of their retired pay to

surviving dependents. Your election here has an effect on SBP at 60.

Your RCSBP election covers you from the time you qualify for a Reserve Retirement until you begin receiving retired pay.

Your RCSBP election (Option B or C) automatically becomes your SBPelection.

If you elected to decline RCSBP (Option A), you will have no RCSBPcoverage and must make an SBP election at your Reserve non-regular retirement.

“What is RC-SBP?”

There are 3 Options to choose from:Option A: Decline coverage (remains eligible for standard SBP coverage at age 60)Option B: Deferred Annuity, starting on what would have been the Soldier’s 60th birthday(if deceased prior to age 60) or, if 60 or over at time of death, on the day following date of death.Option C: Immediate Annuity beginning on the day following date of death regardless of age at time of death. If no option is made default is C.No Dependents at NOE: If you are not married, have no eligible children, and do not desire to elect RCSBP for a former spouse or insurable interest; you do not have an RCSBP election Option.

About Elections

• All Elections made upon receipt of Notice of Eligibility to Receive Retired Pay (“20-Yr Letter”)

• Option A: No RC-SBP coverage, with option to elect coverage when eligible to receive retired pay

• Option B: RC-SBP coverage, with deferred annuity when the RC Soldier would turn age 60

• Option C: RC-SBP coverage, with immediate annuity (default)

RC-SBP Election Options

• You have one year to notify the Human Resources Command (HRC) that you now have an eligible beneficiary and request RCSBP coverage.

• The election must be submitted on a DD Form 2656-5 because you must elect an RCSBP Option, B or C, and level of coverage.

• Failure to elect RCSBP coverage within one year of acquiring an eligible dependent will result in your RCSBP election defaulting to Option A until your Reserve non-regular retirement at which time you will have to make an SBP election.

RC-SBP Election Changes

• Spouse Only• Spouse & Child• Child Only• Former Spouse Only• Former Spouse & Child• Insurable Interest

Six Election Categories

Cost for the Survivor Benefit Plan can be computed using the calculator located at the site of the DoD Office of the Actuary, located here:

http://actuary.defense.gov/Survivor-Benefit-Plans/Coverage options include Spouse, Spouse and Children, Children Only, Former

Spouse, Former Spouse and Children, and Insurable Interest Beneficiary*.

Cost will not exceed 3.5% of the gross retired pay amount for RC-SBP, and 6.5% for SBP after 60 at threshold** amount (paid by allotment at retirement

eligibility).*Insurable Interest coverage ranges from 10-40% of gross retired pay

**Current threshold amount is $1806 as of Jan 2019Cancellation is between 24 – 36 mos mark only.

COST COMPUTATION

• Who Can Elect: Unmarried Soldiers with zero or one dependent child (but cannot elect to cover adult child)

• Eligible Beneficiaries: Relative more closely related than cousin; or business associate w/financial interest in Soldier (proof needed)

• Base Amount: Must be full retired pay• Cost: Very expensive option

• RC-SBP: same as SBP• SBP: 10% plus 5% for each full 5 yrs younger beneficiary is than

Soldier (maximum 40%)• Benefit: 55% of retired pay, less RC-SBP cost• Loss of Beneficiary: May elect new beneficiary within 180

days of current beneficiary’s death.

Insurable Interest Option

This is a JOINT decision for married Soldiers who:• Elect Option A, decline RC-SBP • Cover less than full retired pay• Elect “Child Only”• Elect Option B, deferred annuity

It is the Soldier’s election• The spouse can only concur or non concur • If spouse does not sign, coverage will be established for an immediate spouse annuity based on full retired pay

RC-SBP Spouse Concurrence

Log on to: http://www.armyg1.army.mil/retire

https://www.hrc.army.mil/site/index.asphttp://myarmybenefits.us.army.mil/

For more RC-SBP Information

RPAMSSG Derick Owens Phone: (678) 569-5296Email: ng.ga.gaarng.list.ngga-g1-rpam@mail.mil

RETIREMENTS

SSG Marchelle MoormanPhone: (678) 569-5724Email: ng.ga.gaarng.list.ngga-g1-retirements@mail.mil

RETIRED PAY/SBP Mrs. Zulema WilliamsPhone: (678) 569-5750Email: ng.ga.gaarng.list.ngga-g1-retirements@mail.mil

G1 POC

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