ARMY NATIONAL GUARD PRE-RETIREMENT BRIEFING

Transcription

1 ARMY NATIONAL GUARD PRE-RETIREMENT BRIEFING SSG Jeremiah Macioroski(RPAM NCO) Oregon Army National Guard JFHQ Salem, OR

2 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!!

3 What Now? 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

4 What Now? Your Options Upon Receipt of Your 20 Year Letter/NOE 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)

5 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 What Now? Planning your Separation Date Possibility of recoupment if not serving complete reenlistment CW4 Diane Beach Education Services Officer SGT Cassandra Nitti State Incentives Manager

6 What Now? The Retirement Process 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

7 Statistics 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

8 Governed by AR The RSO Program MISSION Developed to assist Soldiers in their transition from active service to retirement, and to support them in retirement. PROGRAM HIGHLIGHTS Retirement Services Officers Army Echoes - CSA Retiree Council Survivor Benefit Plan (SBP) Retiree Appreciation Days (RADs)

9 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

10 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

11 ID Cards 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 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

12 ID Cards 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.

13 Retiree Benefits GRAY AREA BENEFITS GRAY AREA BENEFITS Medical Insurance (TRR) COMMISSARY EXCHANGES ID CARD MWR FACILITIES MOVIE THEATER TRANSIENT BILLETING BILLETING **Won t Receive TRICARE or Pay Until Later!! LEGAL ASSISTANCE LEGAL DENTAL ASSISTANCE INSURANCE DENTAL VGLI INSURANCE VGLI SURVIVOR BENEFIT SURVIVOR PLAN BENEFIT PLAN BURIAL FLAG FLAG SPACE A A TRAVEL

14 Retiree Benefits PAY!! PAY!! COMMISSARY COMMISSARY EXCHANGES EXCHANGES ID CARD ID CARD MWR FACILITIES MWR FACILITIES MOVIE THEATER MOVIE THEATER TRANSIENT TRANSIENT BILLETING BILLETING RETIREE BENEFITS RETIREE BENEFITS TRICARE!! TRICARE!! LEGAL ASSISTANCE LEGAL ASSISTANCE DENTAL INSURANCE DENTAL INSURANCE VGLI VGLI SURVIVOR BENEFIT SURVIVOR BENEFIT PLAN PLAN BURIAL FLAG BURIAL FLAG SPACE A TRAVEL SPACE A TRAVEL

15 Retiree Benefits CERTIFICATES and AWARDS 3 x 5 Retirement Flag Presidential Certificate (20 yrs) or Presidential Letter of Recognition (30 yrs or meeting other criteria) Unit can submit for service awards at retirement Spousal Certificate of Appreciation (if applicable)

16 Eligibility For Early Draw of Retired Pay Public Law passed by Congress and Effective 28 Jan 2008 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

17 Facts about Retired Pay 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

18 Facts about Retired Pay STATES WITHOUT A STATE INCOME TAX

19 Facts about Retired Pay STATES THAT DON T TAX MILITARY RETIRED PAY

20 Facts about Retired Pay SOCIAL SECURITY ADMINISTRATION FICA not deducted from retired pay! When eligible, you will draw FULL Social Security and FULL military retired pay! Go to for in-depth Social Security information

21 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

22 Facts about Retired Pay RETIRED PAY AS DIVISIBLE PROPERTY 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

23 Medical Considerations RETIREMENT PHYSICAL Active Duty requires a retirement physical per AR , 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

24 Medical Considerations YOUR MEDICAL RECORDS BELONG TO THE GOVERNMENT!! Ensure all medical documentation is in your records before you retire VA and other organizations will not accept hand carried records from the soldier Make a copy of your records May be difficult to obtain after you retire Another good reason for a retirement physical

25 VA Disability Compensation Combat Related Special Compensation (CRSC) VA Determines that disability is combat related CRSC is received by the retiree concurrently with retired pay Service Connected Disability VA Determines that disability is a result of military service 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 And online:

26 VA Contact Information ONLINE Send inquiries Download forms Benefits information and literature Apply for Benefits BY PHONE Benefits: Education: GIBILL-1 Insurance: Gulf War: TDD:

27 TRICARE TRICARE PROGRAMS TRICARE Retired Reserve TRICARE-for-LIFE TRICARE Retiree Dental Program Federal Long-Term-Care Insurance TRICARE West Region TriWest Healthcare Alliance Corp TRIWEST ( )

28 TRICARE Eligible parties include: TRICARE-for-Life Retiree, their families, & survivors Certain former Spouses Medal of Honor recipients, their families, & Survivors TLC facts: 2 nd Payer to Medicare in CONUS 1 st Payer OCONUS Last payer when other health insurances exist At age 65 be enrolled in MEDICARE Part B

29 TRICARE TRICARE Retiree Dental Program 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

30 Federal LTC 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

31 More Benefits 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

32 More Benefits (cont.) SGLV to VGLI Insurance Amount Age &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*

33 More Benefits (cont.) G-RAP (Suspended) Still eligible to enlist soldiers into the ORARNG and other services under G-RAP 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 ACAP

34 More Benefits (cont.) SPACE-A TRAVEL 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! RETIREE AKO ACCOUNT Your AKO will still be available to you in retirement No action necessary Excellent way to keep up on military events

35 THANK YOU For Your Service SSG Jeremiah Macioroski(RPAM NCO) Oregon Army National Guard JFHQ Salem, OR (503)