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Army Reserve Retirement Point Calculator

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									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.

          Reenlistment Timeline

    25-months or more      24-3 months to      3-months prior to
        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

                               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 (

               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
             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.

            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

 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

 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.

               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–

    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

     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.

         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

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.

            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

        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.

            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

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

              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

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.

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.

         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

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.

             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.

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

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.

            Exceptional Family Member Program (EFMP)
Reenlistment processing for Soldier’s who have family members enrolled in the EFMP are outlined
 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
 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.

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
 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.

            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:

              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

 To find out if you are qualified for Recruiting duty contact your Career Counselor or visit the Recruit
the Recruiter website at:

              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.

                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 (
Family Support Programs (
 Transfer GI Bill Benefits ( )
Life Insurance (
Memorial & Burial Benefits (
Military Education (
Military Legal Matters (
Military Pay and Allowances (
Special Pay (
Survivor Benefits (
VA Home Loans (,13397,66,00.html)

Retired Benefits:

Retiree Health Care (
Retirement Pay (
Scholarships (
Veteran Disability Compensation (
Veteran Job Board (,13373,,00.htm)
Veteran Networking (
Veteran 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.

              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.

              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.

               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

     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

            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:

 After loading the above page, simply click on your branch to view the latest newsletter

 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

 GoArmyEd Website:

            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:

                      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)

           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 (

        Transfer of Education Benefits (

Contact your servicing Career Counselor for who your certifying official may be.

               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                    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

  Links of Interest
 Eighth Army Retention Website

 U.S. Army Homepage:

 AKO Website:

 HRC Website:

 U.S. Army Education Website:

 Recruiting Command:




 My Army Benefits Website:

 RMC Calculator:

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


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