ARMY NATIONAL GUARD PRE-RETIREMENT BRIEFINGoregonmilitaryfamily.org/assets/orng-20-year-retirement-brief... · 26 may 2010 army national guard pre-retirement briefing ... 40-501,

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

STATES WITHOUT A STATE INCOME TAX

Facts about Retired Pay

26 May 2010

Facts about Retired Pay

STATES THAT DON’T TAX MILITARY RETIRED PAY

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]