army national guard pre-retirement...
TRANSCRIPT
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]