Quick Reference Guide October 2009 General Information Table of Contents 1. General Information 2. Reenlistment Timeline 3. Reenlistment Eligibility 4. Reenlistment Options 5. Reenlistment Options Eligibility 6. Retention Control Points 7. Tiered Selective Reenlistment Bonus 8. Critical Skills Retention Bonus / Conversion Bonus 9. Bear Program / Assignment Incentive Pay (AIP) 10. Indefinite Reenlistment Status 11. Service Remaining Requirements / Declination of Continued Service Statement 12. Exceptional Family Member Program / Married Army Couples Program 13. Reclassification 14. Career Fields / CMF’s 15. Recruiting Duty / Educational Benefits 16. Military Benefits 17. Retirement Plans 18. Spouse and Family Appreciation 19. Reserve Components 20. Branch Enlisted Newsletters / GoArmyEd / Thrift Savings Plan (TSP) 21. Post 9/11 MGIB Transferability of Benefits 22. Post 9/11 MGIB (cont) 23. Regular Military Compensation 24. Links of Interests 25. Korea Retention Office Phone Numbers General Information General Information Reenlistment options are designed to meet the desires of the Soldier and to fulfill the needs of the Army. Soldiers must meet reenlistment eligibility criteria and all specific qualifications of the option. Soldiers granted waivers may be reenlisted for any option or period for which they are otherwise qualified. Reenlistment options, other than the Regular Army Reenlistment option, are available only to Soldiers in the reenlistment eligibility window. The window opens when the Soldier is within 24-months of ETS and closes when the Soldier reaches 3-months prior to ETS. Immediate reenlistment is not authorized when Soldiers are within 3-months of ETS without prior approval from CG, HRC. Soldiers with less than 10-years active federal service (AFS) will be reenlisted for 2,3,4,5, or 6 years. Soldiers in the rank of SSG or higher, who on the date of discharge, have 10 or more years of service will only be permitted to reenlist for an indefinite period. Reenlistment options are based on the status of a Soldier’s PMOS. Regularly published MOS strength status will govern which options are offered to a Soldier at reenlistment. Soldiers in critically over strength specialties may be restricted to retraining. Soldiers in shortage specialties may also be restricted from migrating to a different specialty. Other restrictions as to trainability criteria and rank are also imposed by HQDA to effectively manage the enlisted force. Soldiers who have been selected for assignment, either individually or as a unit, are only eligible for the Regular Army Reenlistment Option. However, Initial Term Soldiers, and Soldiers who have 4-years or less service for pay purposes at ETS and elect not to take action to meet the minimum tour requirements, may reenlist for any option for which they are otherwise qualified. Note: Soldiers are considered to be selected for assignment based on the date of the EDAS cycle or message that transmitted the assignment. Soldiers are eligible to cash in accrued leave upon reenlistment. 1 Reenlistment Timeline 25-months or more 24-3 months to 3-months prior to ETS from ETS ETS ETS Qualified Soldiers The normal Reenlistment Thanks for serving can submit reenlistment window closes voluntary window opens and reclassification eligible Soldiers applications can submit BEAR Program applications Understanding the chart: 25 or more months prior to ETS: Eligible Soldiers can submit voluntary reclassification requests. 24 months prior to ETS: This is when the reenlistment window opens. Also, eligible Soldiers can submit BEAR Program applications for any MOS currently listed in the BEAR Program. 24-3 months prior to ETS: Eligible Soldiers can be processed for all reenlistment options. 3 months prior to ETS: The reenlistment window closes at 3-months prior to ETS. Requests for reenlistment within 3-months of ETS will only be considered on meritorious cases as an exception to policy. If you haven't yet seen the Reserve Component Career Counselor now is the time. ETS date: Thanks for serving. Please be a positive and supportive "recruiter" on the civilian side and encourage our fine youth to go Army (www.goarmy.com) 2 Reenlistment Eligibility To be eligible for reenlistment, Soldier’s must be qualified under the following areas: Age (Non-waiverable) - must be 18 years of age or older on the date of reenlistment and not more than 62 years of age at new ETS. Soldiers may serve in the Regular Army up to their retention control point or age 62, whichever occurs first. Citizenship - Soldiers are not required to attain citizenship, however not becoming a U. S. citizen may limit reenlistment options that require U.S. citizenship. Medical and Physical Fitness - Soldiers must meet the medical retention standards of chapter 3, AR 40-501, or have been found physically qualified to perform in his or her PMOS per AR 635-40. Soldiers must have passed their most recent Army Physical Fitness Test (APFT), within the nine-month period prior to date of reenlistment. Weight Control - Soldiers placed in the Weight Control Program, per AR 600-9, are not allowed to extend or reenlist unless they have a medical condition that precludes weight loss. Retention Control Point - Soldier’s may not exceed the retention control point for their current grade. Moral and administrative disqualifications - Waivable disqualifications: Soldier’s who have served less than 12 months after graduation from the U.S. Army Correctional Regional Activity. Absent without leave or lost time for Soldier’s may be approved for Reenlistment. Non-waivable disqualifications: Soldiers are ineligible for immediate reenlistment if they fall under one of the many reasons listed in AR 601-280 paragraph 3-9(C). Below are some of the common reasons that make Soldier’s ineligible to reenlist. Soldiers being separated from Active duty for reasons other than ETS. Soldiers in a nonpromotable status per AR 600-8-19. Soldiers failing to meet the standards of AR 600-9, Army Weight Control Program. Soldiers who have a DA Form 4991-R (Declination of Continued Service Statement) in effect. Soldiers currently enrolled in the Army Substance Abuse Program (ASAP) Soldiers who have lost PMOS qualification. Soldiers with a court-martial conviction during their present term of service, unless promoted or advanced after the court-martial conviction. 3 Reenlistment Options Option E-1 (Regular Army Reenlistment Option) - Qualified Soldiers may reenlist for 2, 3, 4, 5, or 6 years, regardless of grade or amount of service completed. Assignment to training or duty to the needs of the Army. Soldiers in the rank of SSG or higher who have 10 or more years AFS on the date of discharge will be restricted to an indefinite term of reenlistment, unless prohibited by other provisions of this regulation. This option carries no guarantee of assignment, training or stabilization. Option E-2 (Current Station Stabilization Reenlistment Option) - Available to qualified Initial Term, Mid-Career and Career Soldiers with Mid-Career options in the rank of SSG and below. This option guarantees a period of up to 12-months stabilization. Stabilization begins on day after DEROS. Term of reenlistment depends on Soldiers category (Initial Term, Mid-Career or Career). Soldiers assigned to TDA units must have less than 23-months time on station (TOS) at DEROS for OCONUS based Soldiers to qualify for this option. There are no TOS restrictions for Soldiers assigned to MTO&E units. Soldiers assigned to TDA units may not exceed 24-months TOS when adding reenlistment stabilization to current TOS. (Example: Soldier has 20-months TOS at current DEROS may be stabilized for no more than 4-months.). Requests for stabilization inside 6-months of DEROS or ETS must be processed as an exception to policy to HRC. Option E-3 (Army Training Reenlistment Option) - Available to qualified Soldiers, SSG and below with less than 10-years AFS on date of discharge. Term of reenlistment depends on type of training guaranteed. This option guarantees one of the following: PMOS, SQI, ASI or language training. Option E-4 (Overseas Assignment Reenlistment Option) - Available to qualified Initial Term, Mid-Career, and Career Soldiers with Mid-Career options in the rank of SSG and below with less than 10-years AFS. Guarantees assignment to one of the following locations: Korea, Pacific Area (long tour), Pacific Area (short tour), Alaska, Caribbean Area, Europe or Hawaii. Term of reenlistment depends on the Soldiers category (Initial Term, Mid-Career or Career). Soldiers must be within 12-months of DEROS to qualify for this option. Option E-5 (CONUS Station-of-Choice Reenlistment Option) - Available to qualified Initial Term, Mid-Career, and Career Soldiers with Mid-Career options in the rank of SSG and below with less than 10-years AFS. Term of reenlistment depends on the Soldiers category (Initial Term, Mid- Career or Career). The minimum reenlistment period is 3-years. The option guarantees assignment for at least 12-months at the CONUS location. Soldiers must be within 12-months of DEROS to qualify for this option. Note about reenlistment options: Eligibility for reenlistment options and required terms of reenlistment are defined in AR 601-280 (Army Retention Program) and periodically updated via retention policy messages not found in the regulation. See your Career Counselor to determine your eligibility for a specific option and the required term of reenlistment. 4 Reenlistment Option Eligibility Eligibility for reenlistment options are as follows: Initial Term Soldiers: Serving in an over strength MOS are limited to the Army Training Reenlistment Option. Serving in a balanced or shortage MOS are eligible for all five reenlistment options (Regular Army, Current Station Stabilization, Army Training, Overseas Assignment, and CONUS Station– of-Choice). Mid-Career Soldiers: Serving in an over strength MOS are limited to the Army Training Reenlistment Option. Serving in a balanced or shortage MOS are eligible for all reenlistment options except for the Army Training reenlistment option. Career Soldiers: Are eligible for the Regular Army Reenlistment Option only. SSG and above with 10 or more years of active federal service on date of discharge must reenlist under the Indefinite Reenlistment Program. Soldiers with less than 10-years of active federal service on date of discharge may receive Mid-Career options; however, they must reenlist for the prescribed minimum reenlistment period for a careerist as listed in the reenlistment options table. Reenlistment Options Initial Term, Mid-Career and Career Soldiers who are eligible to receive mid career options (with less than 10 years of AFS on date of discharge) must have a minimum of 12 months time on station before departing the installation. Note about reenlistment option determination: The rules for determining what reenlistment option a Soldier qualifies for can change throughout the year. See your Career Counselor to determine your reenlistment options. 5 Retention Control Points The Retention Control Point (RCP) is basically an "up or out" measure. Each rank in the Army has a RCP. A Soldier holding a certain rank can't exceed the RCP for that rank by more than 29 days. Soldiers must be promoted or selected for promotion for the next higher grade prior to reaching their current rank RCP. PVT-PFC: 8-years AFS CPL/SPC: 10-years AFS CPL(P)/SPC(P)/SGT: 15-years AFS SGT(P): 20-years AFS SSG: 23-years AFS SSG(P)/SFC: 26-years AFS SFC(P)/1SG/MSG: 29-years AFS 1SG(P)/MSG(P): 32-years AFS CSM/SGM: 32-years AFS Note: CSM serving in or nominated for a nominative assignment where the commander is a General Officer can serve to 35-years AFS or the age 62, whichever occurs first. 6 Tiered Selective Reenlistment Bonus The Tiered Selective Reenlistment Bonus Program is a retention incentive paid to soldiers serving in critical skill MOSs who reenlist for a minimum of 3-years. The objective of the Tiered SRB program is to increase the number of reenlistments in critical MOS's that do not have adequate retention levels to man the career force. Soldiers may be paid bonuses as high as $60,000. The applicable bonus message will announce the SRB amount authorized. A qualified Soldier may be paid an SRB only once within each zone of eligibility. The bonus will be paid in addition to any other pay and allowances to which the Soldier is entitled. Three zones of eligibility have been established under the SRB program. They are as follows: Zone A = reenlistments between 17 months active federal service and 6 years of active service. Zone B = reenlistments between 6 and 10 years of active service. Zone C = reenlistments between 10 and 14 years of active service. SRB payments are paid to the Soldier in a flat-rate lump sum payment. The Tiered SRB program evaluates projected strengths 18 months out and targets MOS and grade versus a one size fits all concept. Contact your Career Counselor to determine your individual qualifications to receive a reenlistment bonus. The bonus messages are updated regularly by HQDA, so check back periodically with your Career Counselor. Note: Occasionally HQDA will announce other bonus programs in addition to the above mentioned programs. Please check with your Career Counselor for all the latest on the SRB messages. 7 Critical Skills Retention Bonus (CSRB) Program The Critical Skills Retention Bonus (CSRB) is for Soldiers serving in a critically short MOS at the appropriate grade and possessing the applicable total years of active federal service as announced in the current MILPER message. To be eligible for a CSRB Soldiers must: Be eligible to reenlist (However soldiers serving on indefinite reenlistments are not required if otherwise qualified to receive a CSRB). Must not have more than 23 years of active federal service as of the approval date. CSRB will not be paid for service in excess of 25 years of service. MOS, grade and years of service must be on current CSRB message as announced by HRC. Application Procedures: Soldier’s who want to receive a CSRB are required to submit a formal application. The application consists of the following: CSRB request memorandum. See you Career Counselor to fill out a CSRB memorandum. Endorsement by the first commander in the rank of LTC or above in the Soldier’s chain of command. The Career Counselor will process the request to HQDA. Submission of a CSRB request does not guarantee approval. Conversion Bonus The MOS conversion bonus program is designed to attract highly qualified Soldier’s in the rank of SSG and below who are serving in over strength and balanced MOS’s to migrate into a shortage MOS To be eligible for a Conversion Bonus Soldier’s must: Be a SSG with less than 10 years total active federal service at the time of application. Be a SGT or below regardless of years of service. Meet the qualifications for requested MOS. Agree to serve in the new MOS for 36 continuous months upon award of the new MOS. Requested MOS must be listed on the current Conversion Bonus message announced by HQDA. See your Career Counselor for more details about the Conversion Bonus Program 8 BEAR Program The Bonus Extension and Retraining (BEAR) Program is designed to assist in force alignment. It allows eligible soldiers an opportunity to extend their enlistment for formal retraining into a shortage MOS that is presently in the SRB Program and, upon completion of retraining, to be awarded the new PMOS, reenlist, and receive an SRB in the newly awarded PMOS. The objectives of the BEAR Program are to attract highly qualified soldiers in the rank of SSG and below who are currently serving in an over strength/balanced MOS to migrate into a critically short SRB MOS. MOS in the BEAR Program are periodically changed and announced by HQDA via RETAIN and/or MILPER messages. Soldiers are authorized to submit BEAR applications 24-months prior to ETS. Soldiers must also be within 12-months of DEROS at time of application. Other eligibility criteria exist for the BEAR Program. Contact your Career Counselor for more information about this program. AIP The Assignment Incentive Pay (AIP) program in Korea is not a reenlistment option or incentive. However, in many cases Soldiers will have to reenlist to meet the service remaining requirement (SRR) for their approved AIP DEROS. If your AIP is approved and your new DEROS exceeds your current ETS you will have to reenlist or extend (if eligible) to meet the SRR within 30-days of AIP approval. Soldier’s that incur a SRR as a result of an approved AIP and refuse to take action to satisfy the SRR will have their AIP cancelled and original DEROS established. As soon as you are notified of your AIP approval, please contact your Career Counselor to satisfy the SRR, if necessary. Your AIP payment will be $300 per month for a 12-month extension. 9 Indefinite Reenlistment Status The Indefinite Reenlistment Program was implemented 1 October 1998. Regular Army Soldiers in the rank of SSG-CSM who have 10 or more years Active Federal Service (AFS) on the date of discharge for immediate reenlistment are required to reenlist under the indefinite reenlistment program. Considerations: Soldiers on indefinite status will be allowed to serve until the applicable Retention Control Point for their rank. If promoted, the soldier is then permitted to serve to the RCP for their new rank. Soldiers will not be allowed to exceed the RCP by more than 29 days. Voluntary Separation Requests: Soldiers on indefinite status may request voluntary separation IAW AR 635-200, paragraph 4-4 provided they have met service remaining requirements as directed by HQDA. Soldiers who desire to separate in lieu of complying with assignment instructions, must request separation within 30 days of notification of assignment instructions. Upon DA approval, these soldiers will be separated within six months unless serving on overseas or restricted tour. Soldiers on overseas or restricted tour will be separated within six months of normal tour completion date. Reduction in rank: Soldiers serving under indefinite status who are reduced in grade will not be retained beyond the last day of the month in which they meet RCP for the lower grade or 20 years of service, whichever comes later. Soldiers with 20 or more years of active service who exceed RCP as a result of reduction in grade must retire not earlier than 90 days or later than 180 days after the effective date of the reduction in grade. 10 Service Remaining Requirements A service remaining requirement (SRR) is a HQDA prerequisite for a soldier to have a specified amount of remaining contractual service in order for an authorized action to be taken. Examples include CONUS/OCONUS deployment, service school/course attendance, and selection for special duty assignment or promotion. For Soldiers in Korea, common SRR’s that occur are: SRR to PCS back to CONUS SRR for life-cycle units SRR for overseas assignments SRR for promotions SRR for specific schooling or training Soldiers must take action to satisfy an SRR within 30-days of notification, but no later than 45-days of the EDAS cycle date. DCSS Soldiers, other than those in their initial term, having four or more year’s service for pay purposes at ETS, must take action to meet a service remaining requirement (SRR). This action is required regardless of the SRR start or report date, to include those after the Soldier's current ETS. Soldiers eligible, but refusing to take action to satisfy military SRR's will be denied further service through the use of a Declination of Continued Service Statement (DCSS) (DA Form 4991-R). Specifically, soldiers with a DCSS are: Placed in a nonpromotable status; prohibited from reenlistment or extension of enlistment; prohibited from applying for reentry into the Regular Army for a period of at least 93 days if separated at normal ETS, and at least 2 years if voluntarily separated before ETS under applicable provisions of AR 635-200; required to receive a rank determination from HQDA, if approved for reentry into the Regular Army; prohibited from application, selection, or attendance for commissioning or warrant officer appointment programs while on the current period of active duty; precluded from consideration by HQDA for centralized selection for promotion and/or advanced schooling; eligible to request voluntary separation under the provisions of paragraph 16-5, AR 635-200; eligible for other assignments (CONUS and OCONUS) provided you have sufficient service remaining to meet the requirements of the new assignment; not eligible for separation pay. 11 Exceptional Family Member Program (EFMP) Reenlistment processing for Soldier’s who have family members enrolled in the EFMP are outlined below. Soldier’s EFMP paperwork must be current within the last 3 years. Soldier’s who have family members being treated by health care professionals for any reason must have that information included in the EFMP screening update. Reenlistment Options are affected by EFMP enrollment as follows: Regular Army – No effect Current Station Stabilization – No Effect Army Training – After the Soldier reenlists for training a request will be sent to lock the Soldier in for a follow on assignment (Approximately 90 days prior to training start date) that accommodates the EFMP needs. Overseas Assignment – Soldier will work with their Career Counselor to obtain the assignment. Once the assignment is locked in the Soldier is ready to reenlist. (Process may take up to 30 days) CONUS Station-of-Choice – Same as the Overseas Assignment processing (see above). Married Army Couples Program (MACP) The Married Army Couples Program is for Soldier’s who are married to another service member. This program is used by the Army to assign both Soldier’s to the same location. Soldier’s who are married to another service member must be enrolled in the MACP to be processed for an assignment to the same location. Reenlistment Options are affected by EFMP enrollment as follows: Regular Army – No effect Current Station Stabilization – No Effect Army Training – After the Soldier reenlists for training a request will be sent to lock the Soldier in for a follow on assignment (Approximately 90 days prior to training start date). The Army will attempt to assign both Soldier’s to the same location after training, however there is no guarantee that a joint assignment can be supported. Overseas Assignment – Soldier will work with their Career Counselor to obtain assignments for both Soldier’s. If both Soldier’s are in the reenlistment window, they will be required to reenlist for the assignments. If only one Soldier is in the reenlistment window, the Soldier in the window will reenlist for the assignment and the Soldier that is not in the window will be placed on assignment instructions. CONUS Station-of-Choice – Same as the Overseas Assignment processing (see above). Soldiers who are enrolled in the MACP that do not want to be assigned to the same location must see their Career Counselor for information on how to process a request for separate locations. 12 Reclassification An awarded MOS, especially the PMOS, represents significant time and effort, both to the Army and the Soldier. The needs of the Army will be the overriding factor in reclassification actions. However, in changing a PMOS, carefully consider the costs and benefits to the Army and the Soldier. Current policy and guidance in AR 611-1, DA Pam 611-21 , DA Pam 351-4 , and as announced in HRC reenlistment/reclassification IN/OUT call messages will be followed. A reclassification of a Soldiers PMOS can be accomplished by several means. A few of the common methods are: Voluntary application Medical Mandatory HQDA directed Soldiers may request (through channels) voluntary reclassification; however, they must meet the following criteria to be reclassified: The PMOS must be over-strength and requested MOS must be short, and/or as announced by the HRC reenlistment/reclassification IN/OUT call message. They must meet the required criteria of DA PAM 611-21 for new MOS. They cannot be on AI. (Soldier is considered on AI when assignment has been processed through EDAS, not date of notification.) They must have completed 12 months at their current duty station. They may not be serving on initial enlistment under the Army Civilian Acquired Skills Program (ACASP). They may not be receiving a bonus for current term of enlistment or reenlistment. However, as an exception, the Soldier must agree in writing to recoupment of the unearned portion of bonus entitlement to be eligible. They must be within 12 months, but not less than 5 months, of date eligible for return from overseas (DEROS). They may not be within 24 months of ETS. They must have fulfilled all time-in-service-remaining requirements. If first term Soldier is serving in an overstrength MOS, Soldier may request reclassification into a shortage MOS, as announced in HRC reenlistment/reclassification IN/OUT call message. When stabilized as a result of reenlistment, Soldiers must waive their reenlistment option through reenlistment channels. They must be eligible to reenlist or extend per AR 601-280. See your Career Counselor for more reclassification information. 13 Career Management Fields (CMF’s) The Army has 29 Career Management Fields. These Career Management Fields consist of over 200 Military Occupational Specialties (MOS). Career Management Fields Career Management Fields CMF 00 CMF Immaterial CMF 42 Adjutant General CMF 11 Infantry CMF 44 Financial Management CMF 13 Field Artillery CMF 46 Public Affairs CMF 14 Air Defense Artillery CMF 51 Acquisitions, Logistics CMF 15 Aviation and Technology CMF 18 Special Forces CMF 56 Religious Support CMF 19 Armor CMF 63 Mechanical Maintenance CMF 21 Engineer CMF 68 Medical CMF 25 Communications and CMF 74 Chemical, Biological Information Systems Operations Radiological and Nuclear (CBRN) CMF 27 Paralegal CMF 79 Recruitment and Reenlistment CMF 31 Military Police CMF 88 Transportation CMF 35 Military Intelligence CMF 89 Ammunition CMF 36 Financial Management CMF 91 Mechanical Maintenance CMF 37 Psychological Operations CMF 92 Supply and Services CMF 38 Civil Affairs CMF 94 Electronic Maintenance and Calibrations See your Career Counselor for more information about CMF’s. For MOS qualifications visit DA Pam 611-21 (Smart Book) at: https://perscomnd04.army.mil/MOSMARTBK.nsf/. 14 Recruiting Duty Recruiting duty offers the opportunity for Soldier’s in the grade of E4 thru E7 to excel in a challenging and rewarding Job. Recruiting duty offers assignments to various locations throughout the United States and opportunity to receive extra pay. The Army accepts volunteers for recruiting duty and also selects Soldiers for this challenging job. Soldiers who volunteer for Recruiting duty have the opportunity to request a specific location to perform recruiting duty. The location requested is not guaranteed, however Recruiting Command will take your request into consideration when deciding where you will be stationed. Soldiers who are DA selected for recruiting duty will not have preference where they will be assigned during recruiting duty. To find out if you are qualified for Recruiting duty contact your Career Counselor or visit the Recruit the Recruiter website at: http://www.usarec.army.mil/hq/recruiter/Index.htm. Educational Benefits The Army is committed to assisting Soldier’s in furthering their education. The value of having Soldier’s further their education results in a more diverse and professional force. Tuition assistance thru GoArmyEd offers Soldier’s the ability to work toward a college degree while serving on active duty at little or no out of pocket cost. CLEP and DANTES exams are available to Soldier’s thru the education center. These exams can used to replace college classes needed for degree requirements. See your education counselor for more details on how to study for and take CLEP and DANTES exams. Visit your education center to find out how you can receive a college degree while serving on active duty at little or no out of pocket cost. 15 Military Benefits Soldiers enjoy a vast array of benefits while serving on active duty that truly makes the Army one of the world’s premiere organizations. Below are just a few of the benefits available to Soldiers: Active Duty Benefits: Benefits by State (http://www.military.com/benefits/veteran-benefits/state-veterans-benefits-directory) Family Support Programs (http://www.military.com/benefits/resources/family-support/family-support-services) Transfer GI Bill Benefits (https://pki.dmdc.osd.mil/TEB/ ) Life Insurance (http://www.military.com/benefits/survivor-benefits/servicemembers-group-life-insurance) Memorial & Burial Benefits (http://www.military.com/benefits/burial-and-memorial) Military Education (http://education.military.com/education-home/) Military Legal Matters (http://www.military.com/benefits/military-legal-matters) Military Pay and Allowances (http://www.military.com/benefits/military-pay) Special Pay (http://www.military.com/benefits/military-special-pay) Survivor Benefits (http://www.military.com/benefits/survivor-benefits) TRICARE (http://www.military.com/benefits/tricare) VA Home Loans (http://www.military.com/Finance/HomeBuying/0,13397,66,00.html) Retired Benefits: Retiree Health Care (http://www.military.com/benefits/retiree/retirement-health-care-options) Retirement Pay (http://www.military.com/benefits/military-pay/retired-pay/military-retired-pay-overview) Scholarships (http://education.military.com/money-for-school/scholarships) Veteran Disability Compensation (http://www.military.com/benefits/military-pay/va-disability-compensation) Veteran Job Board (http://www.military.com/Careers/Home/0,13373,,00.htm) Veteran Networking (http://benefits.military.com/vcn/search.do) Veteran Preference Points (http://www.military.com/benefits/veteran-benefits/veterans-employment-preference-points) It’s easy to see that the Army offers a lot and takes care of its Soldiers and Family members. By the way, don’t forget the 30-days annual leave you are authorized with pay and the Federal and training holidays you are given off. It’s a very competitive benefits package that will not be surpassed by any civilian corporation. 16 Retirement Plans The military retirement system is arguably the best retirement deal around. Unlike most retirement plans, the Armed Forces offer a pension, with benefits, that starts the day you retire, no matter how old you are. That means you could start collecting a regular retirement pension as early as 37 years old. What's more, that pension check will grow with a cost of living adjustment each year. Currently there are three different retirement plans available to Soldiers. The plan that pertains to you is determined by your DIEMS (Date Initially Entered Military Service) date. Below are the three plans: If you entered the service… Prior to September 1980 you are eligible for the Final Pay retirement system. Between September 8th, 1980 and August 1986 you are eligible for the High 36 system. After August 1986 you are eligible to choose either the High 36 retirement system, or the Career Status Bonus/REDUX (CSB) retirement system. If you decline to make a choice you will automatically receive the High 36 retirement plan. The Final Pay retirement system bases the amount of pension on a member's last month of pay. Under the High 36 and CSB/REDUX systems a member's pension is based on the average of the highest 36 month's base pay. Soldier under the CSB/REDUX system have a big decision to make. Under this latest system when you reach your 15th year of service, you must choose between taking the "CSB/REDUX" with a $30K cash bonus (approximately $21K after taxes) and a 40% pension check, or the High 36 retirement system with no bonus and a 50% pension check. This is a huge decision and cannot be made without some serious consideration and a clear understanding of the details. All three retirement systems have an annual cost of living adjustment. This is a subtle, yet very important detail. Over the lifetime of your retirement the cost of living adjustment could more than double your retirement check. Military retirement also offers health insurance which could become invaluable during your retirement years. The use of AAFES facilities and the Commissary are also valuable benefits you will continue to enjoy after retiring. Your military retirement benefits are unsurpassed. Stay with the team and qualify for retirement. 17 Spouse and Family Appreciation Throughout the country, thousands of unknown heroes live out their lives in support of missions that span the globe. These heroes never seek any credit and are rarely recognized for their efforts that play a vital role in the American military. These unsung heroes are the spouses of service members who support the Soldiers that are defending the democratic principles our nation is built on. There is no doubt the military spouse holds a special place in today's Armed Forces and the American society. Family members are a valuable part of today's Armed Services. Lets not forget the mothers, fathers, sons, daughters and many other family members that stand in support as their loved serve to protect the Americas principles of democracy. The stress felt by these family members as their loved ones stand to serve their country deserves a great deal of recognition. The support they provide is critical to the well being of Americas service members and in turn plays a vital role to the readiness of our military force. When a married Soldier reenlist they are making a family commitment. Remember, the next time you thank a Soldier for their service don’t forget those that are serving on the home front . Soldier’s receive a great amount of support and strength from their families. Reenlist a Soldier and keep the family part of the Army team. 18 Reserve Components As much as we would like you to stay active duty, we understand an Army career is not for everyone. Should you decide to leave active duty, please consider joining a drilling unit of the U.S. Army Reserve or The Army National Guard of the United States. Both reserve component elements offer outstanding benefits to separating Soldiers and allows an individual to continue serving their country. Prior to being released from active duty all Soldiers are required to attend a pre-separation service program briefing. This briefing is held for Soldiers who are within 90-180 days of their ETS. There are several programs and incentives available by joining the reserve components. Reserve component members enjoy many of the benefits active duty members enjoy, such as: Pay Post exchange privileges Commissary privileges Life insurance Skill development Medical care Dental care Civilian education Retirement Time commitment Associations and friendships Service to country and community If you are leaving active duty, I urge you to contact your servicing Reserve Component Career Counselor at one of the numbers below to inquire about Reserve Component membership. USAG-Red Cloud: 730-4134 / 3138 USAG-Humphreys: 753-6528 USAG-Yongsan: 723-6833 USAG-Daegu: 764-5332 19 Branch Enlisted Newsletters The enlisted personnel management directorate (EPMD) of HRC provides Soldiers with valuable useful information on various subjects related to their specific MOS and other Army happenings. Please view your particular branch newsletter for the latest and greatest. EPMD Newsletters: https://www.hrc.army.mil/site/protect/active/enlist/cb-let.htm After loading the above page, simply click on your branch to view the latest newsletter GoArmyEd Do not forget about furthering your education. Whether you stay in the Army for just a few years or make it a career, expanding your civilian education is a good idea. The GoArmyEd program offers many benefits to Soldiers, to include anytime, anywhere learning. Certain eligibility criteria and restrictions apply. Visit your education office to learn more about eArmyU. GoArmyEd Website: https://www.earmyu.com/Login.aspx Thrift Savings Plan (TSP) The Thrift Savings Plan (TSP) is a Federal Government-sponsored retirement savings and investment plan. The purpose of the TSP is to provide retirement income. The TSP can provide you with a supplemental source of retirement income in addition to your uniformed services retired pay. Your contributions and earnings are yours to keep, even if you separate from the uniformed services before retirement. (Note: If you leave the uniformed services and enter the Federal civilian service, you will be able to continue contributing to the TSP; you can also combine your uniformed services account with your civilian account.) TSP Website: http://www.tsp.gov/ 20 Post 9/11 GI Bill Transferability Do you have the MGIB and don’t plan on using it? You may be eligible to transfer some of those benefits to your spouse. Qualified Soldiers can transfer up to 36 months to the following: Soldiers spouse One or more of the Soldiers children A combination of the above The following eligibility criteria must be met: Any Soldier of the Armed Forces who fulfills Post 9/11 GI Bill eligibility requirements and who, at the time of the approval of the Soldier’s request to transfer entitlement to educational assistance does not have an adverse action flag, is eligible for the Post 9/11 GI Bill, and Has at least 6 years of service in the Armed Forces on the date of election and agrees to serve 4 additional years in the current component from the date of request, regardless of the number of months transferred, or Has at least 10 years of service in the Armed Forces on the date of election and cannot commit to 4 additional years in the current component due to an Retention Control Point (RCP) or Mandatory Retirement Date (MRD) must commit to serve for the maximum amount of time allowed by either RCP or MRD as of the date of request, regardless of the number of months transferred, or Is or will become retirement eligible during the period from 1 August 2009, through 1 August 2013 and agrees to serve the additional period, if any, specified below. For the purposes of this paragraph, a Soldier is considered to be retirement eligible if he or she has completed 20 years of active Federal service or 20 qualifying years as computed under title 10 U.S.C § 12732. (see below table) 21 Post 9/11 GI Bill Transferability (cont) Number of years of service in the Armed Additional Service Commitment Forces (active and SELRES only) as of 1 August 2009 required to transfer benefits 20 years or more No additional service commitment Approved retirement date on or after 1 No additional service commitment September 2009 and on or before 1 June 2010 19 years to 19 years, 11 months, 29 days 12 months 18 years to 18 years, 11 months, 29 days 24 months 17 years to 17 years, 11 months, 29 days 36 months Soldiers with an approved retirement date on or after 1 September 2009, but on or before 1 June 2010, no additional service required. Soldiers who attain 20 years of service on or after 2 August 2009 and before 2 August 2010, one year of additional service from the date of request is required. Soldiers who attain 20 years of service on or after 2 August 2010 and before 2 August 2011, two years of additional service from the date of request are required. Soldiers who attain 20 years of service on or after 2 August 2011, and before 2 August 2012, three years of additional service from the date of request are required. Department of Veterans Affairs (http://www.gibill.va.gov/) Transfer of Education Benefits (https://pki.dmdc.osd.mil/TEB_SR) Contact your servicing Career Counselor for who your certifying official may be. 22 Regular Military Compensation Regular Military Compensation (RMC) is an assassment of a Soldier’s pay and allowances. Soldiers receive pay and allowances that far exceed their base pay. To determine how much money a Soldier would need to make as a civilian to have the same amount of income we use a method called RMC. To calculate the RMC for a SGT with 6 years of service for pay we would use the following method. The annual base pay is $28,861, annual BAS is $3,533, annual BAH for CONUS Average is $14,868, family size of 3 and tax advantage is $2,771. The total pay and allowances equals $50,034. When comparing this to a civilian job that pays by the hour we would divide the total pay and allowances of $50,034 by 52 weeks. This equals $962 per week. Divide the $962 by 40 hours equals $24 an hour. BAS and BAH are non taxable income. The tax advantage used above and seen on the chart below is the amount of tax a Soldier would pay if BAS and BAH were taxable income. Soldiers can visit their Career Counselor to get the RMC for their rank and years of service. Below is the RMC chart that represents the average for grades E4 thru E7. The Chart bleow and example above use the 1 January 2009 pay scale. Annual Annual BAH Civilian Years of Annual Family Tax RANK Basic (CONUS Equivalent Service BAS Size Advantage Pay Average Salary For rank) SFC 12 $42,930 $3,886 $13,260 4 $3,650 $64,049 SSG 10 $36,536 $3,676 $13,260 4 $3,429 $57,655 SGT 6 $29,988 $3,533 $13,260 3 $2,771 $51,107 SPC 4 $24,531 $3,533 $12,812 2 $2,533 $46,650 23 Links of Interest Eighth Army Retention Website (http://8tharmy.korea.army.mil/retention/index.html) U.S. Army Homepage: (http://www.army.mil) AKO Website: (http://www.us.army.mil) HRC Website: (https://www.hrc.army.mil) U.S. Army Education Website: (https://www.armyeducation.army.mil) Recruiting Command: (http://www.usarec.army.mil) AAFES: (http://www.aafes.com) DFAS: (http://www.dod.mil/dfas) TSP (http://www.tsp.gov) My Army Benefits Website: (https://myarmybenefits.us.army.mil/en) RMC Calculator: (https://www.dod.mil/cgi-bin/rmc.pl.) 24 Active Component MSC Career Counselors Eighth Army Retention: 724-3724 / 8903 2d Infantry Division: 730-3132 / 3139 19th Sustainment Command (Expeditionary): 768-6989 65th Medical Brigade: 737- 7254 / 8331 35th Air Defense Artillery Brigade: 784-2958 STB-K: 723-7197 1st Signal Brigade: 723-3311 501st Military Intelligence Brigade: 723-4092 All other MSC’s: 724-8861 Eighth Army Retention Office BLDG. 1184, Camp Coiner DSN 724-3724 / 8903 Fax 724-8495 E-mail: firstname.lastname@example.org 25
"Army Reserve Retirement Point Calculator"