Requesting Clarification on ADSOs (HPSP/MSP/Fellowship/GIBill)

[Special Delivery]

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I'm looking for some wisdom from anyone who has a solid grasp on what ADSOs can be paid back concurrently.

My current understanding:
1. Fellowship ADSO, if done immediately after residency, can be paid back concurrently with the HPSP 4-yr ADSO
2. MSP ADSO (following HPSP ADSO), if signed prior to beginning a fellowship, can be paid back concurrently with the Fellowship ADSO

Where does the ADSO for the GIBill fit in with any of this? If an army doc wanted to transfer their benefits to a child (which incurs a 4yr? ADSO), is it possible to pay back that ADSO concurrently with MSP or Fellowship obligations?

 

[AFM]

I'm looking for some wisdom from anyone who has a solid grasp on what ADSOs can be paid back concurrently.

My current understanding:
1. Fellowship ADSO, if done immediately after residency, can be paid back concurrently with the HPSP 4-yr ADSO
2. MSP ADSO (following HPSP ADSO), if signed prior to beginning a fellowship, can be paid back concurrently with the Fellowship ADSO

Where does the ADSO for the GIBill fit in with any of this? If an army doc wanted to transfer their benefits to a child (which incurs a 4yr? ADSO), is it possible to pay back that ADSO concurrently with MSP or Fellowship obligations?

Number 1 is not true afaik. It will get tacked onto the end. These are ADSO's for education/training and they can't be served concurrently.

Number 2 is true. You have to execute the MSP between the end of HPSP ADSO (typically mid-June) and the first day of fellowship (1 July). This is the best possible thing you can do in military medicine, imho. I missed my chance to do it and I regret it. The reason you can do this is because the MSP ADSO is not an ADSO for education/training and when you execute it, it will start payback immediately, only if you don't have an existing ADSO for training. If you have an ADSO for training, it gets tacked onto the end of the pre-existing one. If you execute the MSP after you start fellowship, the ADSO for that gets tacked onto the end of the fellowship ADSO.

The ADSO for the GI bill is in a different category of ADSO and can be paid back concurrently with all of the typical ADSOs for medical training.

The critical thing for HPSPer's to realize is that you want to do the transfer immediately after you are eligible (typically 6 years in). The 4 years of payback for the transfer start then. Obviously, you can only do this if you want to stay in until at least 10 years service.

So for me, I did the transfer at 6 years service (PGY1-4, then staff x 2 years), which extended me 2 additional years beyond my original ADSO for HPSP. In that payback time, I picked up a fellowship and neither the fellowship ADSO or GI Bill transfer ADSO affected one another (serving concurrently now).

 

[Special Delivery]

Thanks for clearing that up. Is GIBill a once-only benefit, or can you incur a second ADSO following the first (for a second child, presumably)?

 

[colbgw02]

Thanks for clearing that up. Is GIBill a once-only benefit, or can you incur a second ADSO following the first (for a second child, presumably)?

That's not quite how it works. You incur the obligation for transferring it to any dependent, and then you can parse it up among those dependents. Many people allocate it equally to their children, which requires an adjustment - but not a new commitment - if/when a new one comes along. You can include your spouse as well, but then each person's slice of pie is that much smaller.

 

[Qurmish]

Just a minor point that may not apply to you... You have to serve a total of 10 years (or be contracted for a commitment that will equal or exceed 10 years) in order to transfer the GI Bill, but once you yourself become eligible for the GI Bill through active duty you can serve any remainder of the 10 year minimum in the reserves.

So an example might be someone that does a straight through 3 year residency and then 4 years of HPSP payback can leave active duty and transfer to the reserves or guard for another 4 years in order to qualify for transfer to dependents.

 

[Gastrapathy]

The obligation for an MSP signed before fellowship stays consecutive if you are still obligated at the time you become a fellow. That good deal only applies if you are at the end of your obligated service at least 1 day before you start fellowship.

(Old info but I bet its still true).

 

[Mt Kilimanjaro]

Can USUHS grads transfer post 9/11 after two years of residency without incurring additional obligation beyond the original 7?

 

[dwb8p]

^^ great question. I would also like to know

 

[pgg]

Can USUHS grads transfer post 9/11 after two years of residency without incurring additional obligation beyond the original 7?

http://www.gibill.va.gov/documents/factsheets/Transferability_Factsheet.pdf

The service member must have at least six years of service, and commit to an additional four years of service in order to transfer benefits to a spouse or child.

Even if USUHS time didn't count toward that initial six years (I think it does) all USUHS students should be able to transfer without additional obligation. (Minimum 3 years residency + first 3 years of payback = 6, then transfer benefits, then 4 years remaining USUHS payback covers GI Bill 4.)

 

[Mt Kilimanjaro]

http://www.gibill.va.gov/documents/factsheets/Transferability_Factsheet.pdf

Even if USUHS time didn't count toward that initial six years (I think it does) all USUHS students should be able to transfer without additional obligation. (Minimum 3 years residency + first 3 years of payback = 6, then transfer benefits, then 4 years remaining USUHS payback covers GI Bill 4.)

Thanks!

I can only imagine the pad I would have had in college if I was pulling down BAH on top of free books and full tuition.