G1 Retirement Program

When should I apply for retired pay?

Your application for retired pay should be completed and sent to the Human Resources Command (HRC), Fort Knox not earlier than 9 months and not later than 90 days from the date that retired pay is to start (usually your 60th birthday).  To ensure that your packet for retired pay does not get returned from HRC, have your State Retirement Section review your packet prior to submission.

What documents do I need to submit for retired pay?

Your retired pay application will, at a minimum, consist of the below listed documents.  For your convenience, clicking the document below will direct you to the actual form.

1.  DD Form 108, Application for Retired Pay Benefits

  • Fill out your personal information in blocks 1-8.
  • Do not fill out your service information.  Instead, in the lower portion of the form, below “Service After 30 June 1949,” write, “SEE ATTACHED NGB FORM 23B,” then sign and date the form.  Be sure to attach a copy of your NGB Form 23B.

2.  DD Form 2656, Data for Payment of Retired Personnel

  • You must out this form in its entirety.
  • Section IX, “Survivor Benefit Plan (SBP) Election”:  this information must be the same as your initial RCSBP election when you received your Notice of Eligibility (20 year or 15 year letter) OR any changes you’ve made to the plan due to a life changing event (i.e. marriage, divorce, birth of a child, or death of a spouse).
  • Section X, “Certification”:  this is signed by you and a certified Retirement Service Officer (RSO).
  • Section XII, “SBP Spouse Concurrence”:  this is required if you chose anything other than option C (the full amount).

3.  SF 1199A, Direct Deposit Form

4.  AHRC-249-E or NGB Form 23C (Retirement Point Statements for Retired Pay)

5.  Copy of your Notice of Eligibility (20 year or 15 year letter)

 

What additional documentation should I submit with my application?

You should submit:

  1. Any orders showing the highest grade/rank held and administrative reduction
  2. Copy of approved waiver to serve beyond age 60

You should also submit any forms showing changes to your RCSBP election, such as:

  1. DD Form 2656-6, Reserve Component Survivor Benefit Plan (RCSBP) Election Certificate
  2. DD 2656-1, Survivor Benefit Plan (SBP) Election Statement for Former Spouse Coverage
  3. Divorce decrees
  4. Marriage certificates
  5. Adoption papers

The following documentation are required to support reduced age retirement:

  1. DD Form 214(s), Certificate of Release or Discharge from Active Duty
  2. DD Form 215(s), Correction to DD Form 214, Certificate of Release or Discharge from Active Duty
  3. DD Form 220(s), Active Duty Report
  4. Mobilization Orders (mobilization orders by itself is not a verifiable source document)
  5. Leave and Earning Statements (LES)

 

Where should I send my Retired Pay Application?

We strongly recommend that you contact the California Army National Guard Retirement Section to review your Retired Pay Application to prevent your application from being returned from Human Resources Command (HRC).

You may mail your application to:

       Joint Force Headquarters
9800 Goethe Road, Attn: Box 40 – Retirements
Sacramento, CA 95826-9101

You may contact us at 916-854-3150, option 5 or ng.ca.caarng.mbx.jfhq-g1-epr@mail.mil.

 

What is the Statute of Limitations for retired pay?

A claim for retired pay must be filed within six years from the date you are eligible for retired pay.  If you fail to file within the six years, you will lose one day’s retired pay for each day you delay in submitting your Retired Pay Application.

Examples:

  1. If you become eligible for retired pay on 1 January 2010, but your application for retired pay was not received and processed by DFAS until 1 January 2017, you will only receive back pay to 1 January 2011 (6 years back from the date your application was processed).
  2. If you become eligible for retired pay on 1 July 2000, but your application for retired pay was not received and processed by DFAS until 1 September 2016, you will only receive back pay to 1 September 2000 (you will forfeit 2 months of retired pay from July and August of 2000).

 

What if I was allowed to serve past age 60?

If you serve past your 60th birthday, you must send your age waiver to HRC with your Retired Pay Application.  Failure to send this waiver will create a pay debt.  The Statute of Limitations still applies.

 

What is Reduced Eligibility Age (Early Age Drop) for retirement pay?

A member of the Ready Reserves (National Guard) may qualify for retired pay prior to age 60 under Title 10 United States Code (USC) 12731(f) and the National Defense Authorization Act (NDAA) of Fiscal Year (FY) 2008, section 647.  This reduces the age for receipt of retired pay by three months for each aggregate of 90 days of “specified duty” performed in any fiscal year after 28 January 2008.  Reduced Eligibility Age cannot be reduced below age 50.

“Specified duty” includes:

  1. Title 10 USC, sections 101(a)(13)(B), 688 12301 (a), 12301(d) & (h), 12302, 12304, 12305, 12406, and chapter 15 (insurrection).  This includes mobilization.
  2. Full Time National Guard Duty (FTNGD) when under a call to active service by a governor and authorized by the President or the Secretary of Defense under section Title 32 USC, 502(f) for the purpose of responding to either a national emergency declared by the President or a national emergency supported by Federal funds.  NOTE:  Emergency State Active Duty (ESAD) does not qualify for reduced eligibility age.

Service while performing Active Guard Reserve (AGR) duty, Full Time National Guard Duty Operational Support (FTNGD-OS), and Full time National Guard Duty Counter Drug (FTNGD-CD) under Title 32 USC, section 502(f) does not qualify for Reduced Eligibility Age.

The following FTNGD performed under Title 32 USC, section 502(f) are the only duties authorized for Reduced Eligibility Age:

  1. 2008 State of the Union Address
  2. 2008 Democratic National Convention
  3. 2008 Republican National Convention
  4. 2009 Presidential Inauguration
  5. 2009 G-20 Economic Summit
  6. 2011 Asia Pacific Economic Cooperation Summit
  7. 2012 North Atlantic Treaty Organization Summit
  8. 2012 Republican National Convention
  9. 2012 Democratic National Convention
  10. 2013 Presidential Inauguration
  11. 2014 State of the Union Address
  12. 2014 U.S. – Africa Leaders Summit

While the age for which to receive retirement pay may be reduced, please note that eligibility for retiree health care benefits remains at age 60.

References:

  1. PPOM 13-029, Implementation Guidance for Reduced Retirement Age for Army National Guard Soldiers, dated 5 August 2013.
  2. Office of the Assistant Secretary of Defense Memorandum, Subject: Full-Time National Guard Duty Qualifying for a Reduced Eligibility Age for Receipt for Retired Pay for Non-Regular Service, dated 18 September 2015.

 

How do I apply for Reduced Eligibility Age?

California Army National Guard Soldiers with possible eligible service should have their time validated by the State Retirement Section prior to applying for retired pay.

You will need to submit the following supporting documents:

  1. DD Form 214(s), Certificate of Release or Discharge from Active Duty
  2. DD Form 215(s), Correction to DD Form 214, Certificate of Release or Discharge from Active Duty
  3. DD Form 220(s), Active Duty Report
  4. Mobilization Orders (mobilization orders by itself is not a verifiable source document)
  5. Leave and Earning Statements (LES)

You may contact us at 916-854-3150, option 5 or ng.ca.caarng.mbx.jfhq-g1-epr@mail.mil.

Upon transfer to the Retired Reserves (Gray Area Retirees)

What is a Gray Area Retiree

After you have received your 20 year letter and you have transferred to the Retired Reserves (prior to being eligible for retired pay) you are considered a Gray Area Retiree.

Benefits for Gray Area Retirees

Transferring to the Retired Reserves allows you and your family a “Retired Reserve” ID card (pink ID Card).  Your Retired Reserve ID card allows you to:

  • Tricare for Retired Reserves
  • Veterans Group Life Insurance (VGLI)
  • Access to military installations
  • Commissary privileges
  • PX/BX privileges (tax free)
  • Class VI access (beverages)
  • Limited space available travel
  • Post/Base recreation facilities
  • Temporary Lodging (space available)
  • Post/Base Theater
  • You may wear your uniform on appropriate occasions
  • Please see the Additional Links for additional resources

You won’t:

Be paid while in the Retired Reserves (unless you are called to active duty)

Be entitled to Legal Assistance

Be entitled to Servicemembers Group Life Insurance (SGLI).  HOWEVER, you may convert your SGLI to Veterans Group Life Insurance (VGLI)

Benefits for Gray Area Retirees (in bold) To learn more about some of the benefits while in the “Gray Area” Click Here 

Converting SGLI to VGLI

If you’re considering converting your SGLI to VGLI consider you have up to 120 days after transfer to the retired reserves to make the conversion.

Please see Additional Links review your VA Life Insurance options.

Initiate an appointment to get an I.D. Card for Yourself and Dependents

Please see Additional Links to locate an I.D. Card Site and schedule an appointment.  If you encounter a problem with their website call 1-800-538-9552.

Remember to bring your required documents.  If you’re not told what to bring ask.

Tricare for Retired Reserves

Tricare Retired Reserves is a premium based health plan for qualified retired Reserve members, their Families and survivors.  To find out more Click Here.

I reached 20 years of total service, when will I receive my 20 year letter?

Notice of Eligibility (NOE) memorandums, also known as 20 year letters, are mailed to the Soldier’s unit the month following the Soldier’s Anniversary Year End (AYE) date in which he/she obtains 20 years of creditable service for retired pay.  The NOE will be accompanied by an assortment of information on benefits, NGB Form 23B, Army National Guard Retirement Points History Statement, as well as DD Form 2656-5, Reserve Component Survivor Benefit Plan (RCSBP) Election Certificate.

 

I received my 20 year letter, what am I required to do?

You must complete the DD Form 2656-5, Reserve Component Survivor Benefit Plan (RCSBP) Election Certificate, with your Commander or a certified Survivor Benefit Plan (SBP) / Reserve Component Survivor Benefit Plan Counselor.  Return the original DD Form 2656-5 with original signatures to the State Retirement Section within 90 days of receipt.

To contact a certified SBP/RCSBP counselor, you may call (916) 854-3150 option 5 or email ng.ca.caarng.mbx.jfhq-g1-epr@mail.mil.

You are also, highly encouraged to review your NGB Form 23B, Army National Guard Retirement Points History Statement, for accuracy (see “updating retirement points” for more information).

At this time the, you may elect to transfer to the Retired Reserve, the Control Group (Reinforcement)/Individual Ready Reserve, or maintain your M-day status with the California Army National Guard (if you were not removed due to a retention board).

 

What happens if I didn’t fill out and turn in my DD Form 2656-5, Reserve Component Survivor Benefit Plan (RCSBP) Election Certificate?

Married Soldiers, or those who have dependent children, who fail or choose not to make an election within the 90 day period are automatically covered by Option C (Immediate Annuity) for Spouse and/or child(ren) in accordance with title 10 USC 1448(a)(2)(B).

A single Soldier who later marries or has a child and wishes to provide RCSBP coverage must complete a DD Form 2656-6, Survivor Benefit Plan Election Change Certificate, within 12 months after date of marriage or date of child’s birth.  The DD Form 2656-6 must be submitted to the CAARNG Retirement Section for processing.

 

Joint Force Headquarters
ATTN: Box 40 – Retirement
9800 Goethe Road
Sacramento, CA 95826-9101

Source: NGR 680-2, Automated Retirement Points Accounting Management, para 3-7 

 

I should have more retirement points.  How can I verify my NGB Form 23B, Army National Guard Retirement Points History Statement, is accurate?

Compare your NGB Form 23B, Army National Guard Retirement Points History Statement, with your service records.  Ask your unit RPAM administrator to provide you a Soldier Detail Report.  The Soldier Detail Report will outline how each point was earned while serving as a member of the Army National Guard.

If you identify missing retirement points (such as time served in another component of the Armed Forces), provide supporting documents to your unit Readiness NCO or S1 Office.  Supporting documents may include, but are not limited to:

  1. DD Form 214, Certificate of Release or Discharge from Active Duty
  2. Retirement Points Summary from other components
  3. DD Form 220, Active Duty Report
  4. Leave and Earnings Statement (LES)
  5. Other applicable pay documents (Active Duty or Annual Training orders do not solely justify duty served; you must prove you served the duty)

Either your unit Readiness NCO or S1 Office will submit the supporting documents or explanation of the error through the appropriate channels to the Retirement Section.  The Retirement Points Accounting Management (RPAM) NCO will review the documents submitted and compare it to your Retirement Points Accounting Statement (RPAS).  When the RPAS is missing the substantiated retirement points, the RPAM NCO will update your RPAS record.

Upon completion, the RPAM NCO will notify the unit administrator of the actions taken. The Unit Readiness NCO or S1 Office will print the updated NGB Form 23B from the RPAM system and review the statement with the you for accuracy and completeness. Any further changes or updates after this review will be directed back to the Retirement Section with the applicable supporting documents and an explanation of the error.

 

What service is creditable as qualifying service for retired pay?
If you are unsure what constitutes qualifying service for retired pay, review AR 135-180 para 2-8, Service creditable as qualifying service, and para 2-9, Service not creditable as qualifying service.  These paragraphs provide information as to whether specific service qualifies.  Most common examples of service not creditable as qualifying service include, but are not limited to:

  1. Inactive National Guard
  2. Retired Reserve
  3. Service in the Fleet Reserve
  4. Fleet Marine Corps Reserve

 

Does SGLI carry over when I transfer to the Retired Reserve?

SGLI converts to Veterans’ Group Life Insurance (VGLI).  You must apply for VGLI within 120 days of discharge.

Veterans’ Group Life Insurance (VGLI) is a post-separation life insurance program that allows Soldiers to convert their Service member’s Group Life Insurance (SGLI) coverage to renewable term insurance.  Members with SGLI coverage are eligible for VGLI upon release from service.  It is one of many low cost insurance programs developed by the Department of Veterans Affairs to provide insurance benefits for Soldiers and Veterans who may not otherwise be eligible to receive insurance benefits from private companies due to risks involved in military service, or a service connected disability.  Effective 11 April 2011, Soldiers who are insured under VGLI who have less than $400,000 in coverage can purchase up to $25,000 of additional coverage on each five year anniversary of their coverage, up to the maximum $400,000.  There is no medical underwriting required for the additional coverage.

Source: VA – VGLI

 

What is Reduced Eligibility Age (Early Age Drop) for retirement pay?

A member of the Ready Reserves (National Guard) may qualify for retired pay prior to age 60 under Title 10 United States Code (USC) 12731(f) and the National Defense Authorization Act (NDAA) of Fiscal Year (FY) 2008, section 647.  This reduces the age for receipt of retired pay by three months for each aggregate of 90 days of “specified duty” performed in any fiscal year after 28 January 2008.  Reduced Eligibility Age cannot be reduced below age 50.

“Specified duty” includes:

  1. Title 10 USC, sections 101(a)(13)(B), 688 12301 (a), 12301(d) & (h), 12302, 12304, 12305, 12406, and chapter 15 (insurrection).  This includes mobilization.
  2. Full Time National Guard Duty (FTNGD) when under a call to active service by a governor and authorized by the President or the Secretary of Defense under section Title 32 USC, 502(f) for the purpose of responding to either a national emergency declared by the President or a national emergency supported by Federal funds.  NOTE:  Emergency State Active Duty (ESAD) does not qualify for reduced eligibility age.

Service while performing Active Guard Reserve (AGR) duty, Full Time National Guard Duty Operational Support (FTNGD-OS), and Full time National Guard Duty Counter Drug (FTNGD-CD) under Title 32 USC, section 502(f) does not qualify for Reduced Eligibility Age.

The following FTNGD performed under Title 32 USC, section 502(f) are the only duties authorized for Reduced Eligibility Age:

  1. 2008 State of the Union Address
  2. 2008 Democratic National Convention
  3. 2008 Republican National Convention
  4. 2009 Presidential Inauguration
  5. 2009 G-20 Economic Summit
  6. 2011 Asia Pacific Economic Cooperation Summit
  7. 2012 North Atlantic Treaty Organization Summit
  8. 2012 Republican National Convention
  9. 2012 Democratic National Convention
  10. 2013 Presidential Inauguration
  11. 2014 State of the Union Address
  12. 2014 U.S. – Africa Leaders Summit

While the age for which to receive retirement pay may be reduced, please note that eligibility for retiree health care benefits remains at age 60.

References:

  1. PPOM 13-029, Implementation Guidance for Reduced Retirement Age for Army National Guard Soldiers, dated 5 August 2013.
  2. Office of the Assistant Secretary of Defense Memorandum, Subject:  Full-Time National Guard Duty Qualifying for a Reduced Eligibility Age for Receipt for Retired Pay for Non-Regular Service, dated 18 September 2015.

 

How do I apply for Reduced Eligibility Age?

California Army National Guard Soldiers with possible eligible service should have their time validated by the State Retirement Section prior to applying for retired pay.

You will need to submit the following supporting documents:

  1. DD Form 214(s), Certificate of Release or Discharge from Active Duty
  2. DD Form 215(s), Correction to DD Form 214, Certificate of Release or Discharge from Active Duty
  3. DD Form 220(s), Active Duty Report
  4. Mobilization Orders (mobilization orders by itself is not a verifiable source document)
  5. Leave and Earning Statements (LES)

You may contact us at 916-854-3150, option 5 or ng.ca.caarng.mbx.jfhq-g1-epr@mail.mil.

 

What benefits am I eligible for upon retirement, at age 60, or upon reaching my reduced retirement age?

There are numerous benefits available to you and your best resource is https://myarmybenefits.us.army.mil.

 

Why does my LES say I have 25 years and my NGB form 23B say I have 20 years?

Some Soldiers may have a difference between creditable years for pay and creditable years for retirement.  Soldiers must earn 50 retirement points a year in order to receive credit for that year towards retirement.  If the Soldier doesn’t earn enough points, it will show as a “bad year” and the year served will only count for pay, not retirement.  This further explains why a Pay Entry Base Date (PEBD) cannot be used as a baseline to calculate creditable service for retired pay.

 

Do I need to apply for retired pay?

Yes.  The U.S. Army Human Resources Command (HRC) will mail your retirement application packet to you during or after the month of your 58th birthday.  The packet includes instructions and all of the forms necessary to apply for your retired pay.  Retirement Packets are mailed to the last address listed in the reserve database, therefore, it is imperative that you keep HRC informed of your address when you move.
If you want a receipt for your packet, include a self-addressed stamped post card or mail your retired pay application by certified or registered mail.

HRC will not process application packets received without being properly completed, signed or dated.  You are encouraged to have your application packet reviewed by a National Guard or Army Reserve retirement specialist for accuracy and completeness prior to forwarding to HRC.

For more information on applying for retired pay, click here.

 

What if I didn’t receive a retirement application packet from the U.S. Army Human Resources Command (HRC) on or after my 58th birthday?

You may contact us at 916-854-3150, option 5 or ng.ca.caarng.mbx.jfh1-g1-epr@mail.mil and request a retirement application packet.

You may also go here to fill out the required forms, but you will still need to contact us if you do not have a copy of your NGB Form 23B, Army National Guard Retirement Points History Statement, or your NOE, Notice of Eligibility.

 

What does HRC do with my application when they receive it?

HRC will process your application for retired pay and the retirement section will enter service-related data, direct deposit information, survivor benefit data and tax information into a system that updates the DFAS-Cleveland retiree database.  This system does all financial calculations and establishes your pay account.  HRC will mail you a copy of the orders placing you on the AUS Retired List, a retirement certificate and an application for your retired ID card(s).

 

When will I receive my retirement pay?

After you submit your application for retired pay to HRC, you will receive your first retirement check or direct deposit on the first working day of the month following your birth month of age 60 or your reduced retirement eligibility date.  The first check is normally a partial month check.

For example:  If you turn 60 on the 15 June and are placed on the retired list on 16 June, your first retirement payment is calculated for 14 days and is paid on the first working day of July.  The payment for the entire month of July will be paid on the first working day of August.

DFAS-Cleveland provides you with a 3-page statement showing how your pay was calculated, tax information, survivor benefit cost data, and procedures for contacting DFAS-Cleveland for changes to your pay account.  As a reminder, monthly Leave and Earnings Statements are not provided to retirees.

 

Is medical/dental coverage available?  

Yes!  TRICARE Retired Reserve (TRR) is a premium-based, health plan available worldwide for purchase by qualified Retired Reserve members and their eligible Family Members.  TRR delivers the TRICARE Standard/Extra benefit to all covered individuals.  For more information on TRR, go to https://tricare.mil/Plans/HealthPlans/TRR

The TRICARE Retiree Dental Program (TRDP) offers comprehensive, cost-effective dental coverage for retired service members and their eligible family members, for unmarried surviving spouses and children, and for other select individuals.  The TRDP is administered by the Federal Government Programs division of Delta Dental of California under contract with the U.S. Defense Today.  Find out more information on TRDP:  https://www.tricare.mil/CoveredServices/Dental/TRDP.

I just got divorced, what do I need to do?

If you get divorced, your divorce decree normally dictates your requirement for Survivor Benefit Plan (SBP) coverage for your prior spouse.  Dependent on the conditions of the divorce decree, you must submit one of the below listed forms within 12 months of divorce.

  1. If your spouse has been awarded SBP coverage you will need to file a DD Form 2656-1 and the former spouse will need to deem their election by submitting a DD Form 2656-10 (If the former spouse fails to deem their election within 12 months, they forfeit their benefits).
  2. If you are changing the beneficiary to anyone else other than the former spouse, you must submit a DD Form 2656-6.

All original forms will be submitted to the CAARNG Retirement Section:

Joint Force Headquarters
ATTN: Box 40 – Retirement
9800 Goethe Road
Sacramento, CA  95826-9101

How much retired pay will I collect?

You will only know how much retired pay you will collect once you receive your first payment.  Many factors contribute to calculating your retired pay, such as your rank at the time of retirement, years of qualified service, number of retirement points earned, and previous separation pay received from active duty.  If you go to MyArmyBenefits, you may be able to get an estimate of your retired pay using the benefit calculator.

 

I’m 68 years old and did not file for my retired pay?  Can I still collect my retired pay form when I turned age 60?

There is a six-year statute of limitations for back pay in Title 10, 31 United States Code 3702(b).  If a Soldier files a retired pay application more than six years after the date of eligibility for retired pay, there is a day-for-day loss of eligibility for retired pay for each day of delay in applying. If granted an exception to extend beyond age 60, the six-year statute of limitations on back payment of retired pay will still apply.  Therefore, if you were to begin collecting on your 68th birthday, you would only be able to collect from when you turned 62 years old.

 

I’ve been receiving VA Benefits since I was transferred to the Retired Reserves.  Will this affect my non-regular (M-Day) retirement pay?

Your non-regular retired pay may be affected.  Contact a VA representative at 1-800-827-1000 to find out more.

 

When I left Active Duty, I received separation pay.  How will this affect my non-regular (M-Day) retirement pay?

Your non-regular retired pay may be affected.  Contact a DFAS representative at 1-888-332-7411 to find out how you may be affected.