Retirement with prior reserve/active enlisted time

[DentalDevilDude]

I'm currently on active duty, but I began my enlisted career as a traditional reservist, one weekend a month and two weeks a year. I have 6 years as a reservist and will have 4 years active by the time my contract is complete. Assuming I end up doing the Navy HSCP (counts as active duty E6 for 4 years) and then a 2 year residency program, does that mean I would only need 4 years of active Dental Corps duty in order to retire? Is there any way to calculate what that retirement could be? Would I be able to collect the retirement when I get out or would I have to wait until I am 60? Just curious...

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[DentalDevilDude]

Thanks, your calculator is exactly the thing I have been looking for. I appreciate all of your detailed info! And if I do actually get into dental school and get a military scholarship, I will more than likely just do a full 20 year active duty career. We will see how the next few years goes. Thanks again.

You get 15 points/year for breathing

Nice

 

[AFDDS]

You have two retirement options: active duty retirement (worth more and you don't have to wait until you turn 60) or reserve retirement (worth a lot less and must wait until 60).

If you want an active duty retirement, you can apply your reserve time, but you need to know how many retirement points you accumulated during your 6 years as a traditional reservist. You get 15 points/year for breathing, 4 points for every monthly two day weekend UTA, 1 point for each day of active duty (annual training, TDY, deployments, basic training or other active duty for training status), plus any additional points you may have earned for any correspondence courses or additional days worked at your unit. Your reserve records should show how many points you accumulated in those 6 years. Once you have that number, divide it by 365 to find out the equivalent active duty years that will count toward an active duty retirement. 20 years needed for active duty retirement - (reserve retirement points/365) - 4 years of active duty - 4 years of HSCP - 2 years of residency - 4 years for HSCP payback = however many more years of active duty service you'll need to complete to reach retirement.

If you want a reserve retirement, assuming you earned at least 50 points per year during your 6 years of reserve time, you should be able to retire right at the end of your HSCP commitment like you planned, but you wouldn't get paid until age 60. Use the points you calculated earlier (reserve points/365) + (14 years active duty time * 365) = total reserve retirement points at time of retirement. Enter that into this calculator to estimate how much your reserve retirement will be worth.

Good info. I had 9 years in the national guard and very little counts toward retirement. Good thing is, it all counts toward pay.

 

[Kahr]

Good info. I had 9 years in the national guard and very little counts toward retirement. Good thing is, it all counts toward pay.

When you say it counts towards pay, do you mean that your 9 years guard equated to 9 years of service on the active duty pay scale as well when you went to active duty?

 

[del Sol DOHC]

When you say it counts towards pay, do you mean that your 9 years guard equated to 9 years of service on the active duty pay scale as well when you went to active duty?

Yes. Prior time spent as a traditional reservist counts as time in service (longevity) for pay purposes if you go active duty later. Even time spent in the IRR counts. So, if you had 6 years as a drilling reservist and 2 years in the IRR before going active duty, you would be paid at the 8 years of service level.

 

[Kahr]

Yes. Prior time spent as a traditional reservist counts as time in service (longevity) for pay purposes if you go active duty later. Even time spent in the IRR counts. So, if you had 6 years as a drilling reservist and 2 years in the IRR before going active duty, you would be paid at the 8 years of service level.

Man, that is fscking sweet!! 😀 You guys just made my new year, thank you! (happily adds up his active and reserve years)

 

[dentalOH]

You have two retirement options: active duty retirement (worth more and you don't have to wait until you turn 60) or reserve retirement (worth a lot less and must wait until 60).

If you want an active duty retirement, you can apply your reserve time, but you need to know how many retirement points you accumulated during your 6 years as a traditional reservist. You get 15 points/year for breathing, 4 points for every monthly two day weekend UTA, 1 point for each day of active duty (annual training, TDY, deployments, basic training or other active duty for training status), plus any additional points you may have earned for any correspondence courses or additional days worked at your unit. Your reserve records should show how many points you accumulated in those 6 years. Once you have that number, divide it by 365 to find out the equivalent active duty years that will count toward an active duty retirement. 20 years needed for active duty retirement - (reserve retirement points/365) - 4 years of active duty - 4 years of HSCP - 2 years of residency - 4 years for HSCP payback = however many more years of active duty service you'll need to complete to reach retirement.

If you want a reserve retirement, assuming you earned at least 50 points per year during your 6 years of reserve time, you should be able to retire right at the end of your HSCP commitment like you planned, but you wouldn't get paid until age 60. Use the points you calculated earlier (reserve points/365) + (14 years active duty time * 365) = total reserve retirement points at time of retirement. Enter that into this calculator to estimate how much your reserve retirement will be worth.

You're not quite correct on the active duty retirement. There are two ways that service is calculated for retirement. There is "Service Creditable for Retirement Purposes" which determines when you are eligible for retirement. There is also "Service Creditable for Percentage Purposes" which determines the percentage of base pay that you will receive.

To be eligible to retire, you must have 20 years "Service Creditable for Retirement Purposes." Membership points, correspondence courses, UTA's, and any training under Title 32 orders are not creditable for retirement purposes. Any active service is creditable. This includes basic training, deployments, or any other time on Title 10 orders.

Once you reach 20 years and retire, your retirement pay will be determined by "Service Creditable for Percentage Purposes." At 20 years of creditable service, the multiplier for your retirement pay will be 50% plus 2.5% for every year after 20 up to 30 years (75%). If, at fifteen years of service, you elected to switch to the REDUX retirement plan (see #4 here), the multiplier will be 40% at 20 years plus 3.5% per additional year up to 30 years (75%).

You may then also add in your reserve time which was not creditable for service (membership points, UTA's, Title 32 orders) Full credit (number of days) is given for annual training or attending a military school under Title 32 orders. Additional credit is given at the rate of 1 point equals 1 day for UTA's and membership points (no credit is given for correspondence courses). For service after 30 OCT 07, you may count a maximum of 130 of these points per year. For service between 29 OCT 00 and 29 OCT 07, a maximum of 90 points per year may be counted. Between 23 SEP 96 and 29 OCT 00- 75 points and before 23 SEP 96- 60 points. The rate for these additional days is 1 year equals 2.5%. This is then added to the percentage calculated from your creditable service.

This and additional information may be found in the DOD Financial Management Regulation.

Also, if you retire from the reserves, the age to receive retirement pay may be reduced below 60 years for an order to active duty under specific sections of Title 10 U.S.C. after 28 Jan 08. For each aggregate 90 days, the age would be reduced 3 months, but can be reduced no lower than 50 years.

 

[del Sol DOHC]

You're not quite correct on the active duty retirement. There are two ways that service is calculated for retirement. There is "Service Creditable for Retirement Purposes" which determines when you are eligible for retirement. There is also "Service Creditable for Percentage Purposes" which determines the percentage of base pay that you will receive.

To be eligible to retire, you must have 20 years "Service Creditable for Retirement Purposes." Membership points, correspondence courses, UTA's, and any training under Title 32 orders are not creditable for retirement purposes. Any active service is creditable. This includes basic training, deployments, or any other time on Title 10 orders.

Once you reach 20 years and retire, your retirement pay will be determined by "Service Creditable for Percentage Purposes." At 20 years of creditable service, the multiplier for your retirement pay will be 50% plus 2.5% for every year after 20 up to 30 years (75%). If, at fifteen years of service, you elected to switch to the REDUX retirement plan (see #4 here), the multiplier will be 40% at 20 years plus 3.5% per additional year up to 30 years (75%).

You may then also add in your reserve time which was not creditable for service (membership points, UTA's, Title 32 orders) Full credit (number of days) is given for annual training or attending a military school under Title 32 orders. Additional credit is given at the rate of 1 point equals 1 day for UTA's and membership points (no credit is given for correspondence courses). For service after 30 OCT 07, you may count a maximum of 130 of these points per year. For service between 29 OCT 00 and 29 OCT 07, a maximum of 90 points per year may be counted. Between 23 SEP 96 and 29 OCT 00- 75 points and before 23 SEP 96- 60 points. The rate for these additional days is 1 year equals 2.5%. This is then added to the percentage calculated from your creditable service.

This and additional information may be found in the DOD Financial Management Regulation.

Also, if you retire from the reserves, the age to receive retirement pay may be reduced below 60 years for an order to active duty under specific sections of Title 10 U.S.C. after 28 Jan 08. For each aggregate 90 days, the age would be reduced 3 months, but can be reduced no lower than 50 years.

Wow, this is some good gouge! Well, I must apologize to everyone for my misinformation about the active duty retirement above. I passed it on exactly as it was explained to me, but it just goes to show that you should always check the regs!

 

[AFDDS]

You're not quite correct on the active duty retirement. There are two ways that service is calculated for retirement. There is "Service Creditable for Retirement Purposes" which determines when you are eligible for retirement. There is also "Service Creditable for Percentage Purposes" which determines the percentage of base pay that you will receive.

To be eligible to retire, you must have 20 years "Service Creditable for Retirement Purposes." Membership points, correspondence courses, UTA's, and any training under Title 32 orders are not creditable for retirement purposes. Any active service is creditable. This includes basic training, deployments, or any other time on Title 10 orders.

Once you reach 20 years and retire, your retirement pay will be determined by "Service Creditable for Percentage Purposes." At 20 years of creditable service, the multiplier for your retirement pay will be 50% plus 2.5% for every year after 20 up to 30 years (75%). If, at fifteen years of service, you elected to switch to the REDUX retirement plan (see #4 here), the multiplier will be 40% at 20 years plus 3.5% per additional year up to 30 years (75%).

You may then also add in your reserve time which was not creditable for service (membership points, UTA's, Title 32 orders) Full credit (number of days) is given for annual training or attending a military school under Title 32 orders. Additional credit is given at the rate of 1 point equals 1 day for UTA's and membership points (no credit is given for correspondence courses). For service after 30 OCT 07, you may count a maximum of 130 of these points per year. For service between 29 OCT 00 and 29 OCT 07, a maximum of 90 points per year may be counted. Between 23 SEP 96 and 29 OCT 00- 75 points and before 23 SEP 96- 60 points. The rate for these additional days is 1 year equals 2.5%. This is then added to the percentage calculated from your creditable service.

This and additional information may be found in the DOD Financial Management Regulation.

Also, if you retire from the reserves, the age to receive retirement pay may be reduced below 60 years for an order to active duty under specific sections of Title 10 U.S.C. after 28 Jan 08. For each aggregate 90 days, the age would be reduced 3 months, but can be reduced no lower than 50 years.

This is more like how they calculated mine. I got very little time toward retirement for my 9 years in the Guard. Time toward pay was more important for me. When I have 20 years, I'll be paid like I've been in 29. so my High 3 pay will be at the max for whatever rank I am in.