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2LT with about 4.5 years in, with 4 of those years getting E3, E4, and cadet. I plan to ride out the 20 years, mainly because you cant beat tricare over anything else. Here's the scenario:
20 years purely M-day without any deployments or rotations (to be conservative) and the only "active duty" time i get was BCT/AIT, BOLC, CCC, and maybe ILE...
I was told that once I REFRAD at 20 years, i will get a very small stipend equivalent to a MUTA 4 drill weekend every month until I'm 60, which then I'll get the active duty pension. I was also told I can continue to pay tricare reserve select until I'm 60 and then get the free tricare. By 6 years TIS, ill be eligible for the VA home loan (again, no deployments to be conservative)
Is there anything else I may be missing or mislead? This information came from our brigade recruiting and retention NCO. I appreciate your help!
20 years purely M-day without any deployments or rotations (to be conservative) and the only "active duty" time i get was BCT/AIT, BOLC, CCC, and maybe ILE...
I was told that once I REFRAD at 20 years, i will get a very small stipend equivalent to a MUTA 4 drill weekend every month until I'm 60, which then I'll get the active duty pension. I was also told I can continue to pay tricare reserve select until I'm 60 and then get the free tricare. By 6 years TIS, ill be eligible for the VA home loan (again, no deployments to be conservative)
Is there anything else I may be missing or mislead? This information came from our brigade recruiting and retention NCO. I appreciate your help!
Posted in these groups: 
Retirement
Retirement
Posted 2 mo ago
Responses: 10
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One thing I know for sure, do not resign or quit your unit until you have your 20 year Letter in your Hand, copy it, email it to yourself and anybody important! I have seen individuals thinking they had their time in and walked away, only to find out their point points were calculated wrong! Then the headache starts! Most units will fill your slot immediately and then your out of luck! Be Careful!
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SSG Nat Dillenback
Word up!! The letter is everything! It is more important than a DD-214. Make a dozen copies and give one for everybody. You can even register at your town hall. You will need this and a lot can happen in 20-25 years.
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If the NG works the same way as USAR, once you have 20 "good" years in service and receive that golden letter stating such, then you can start the process. The process can take as little as 9 months or up to 2 years (depending on how many corrections for points, etc. you need to have happen.)
Regarding Retirement Pay, currently no monies are received until the age of 60 if you have not deployed or spent any time on AD other than for training. For any deployments, for every 30 you've been deployed, you can subtract those 30 days from age 60 but can roll back no further than 10 years.
But, before all this happens, you will be afforded the opportunity to attend Retirement Briefs. I recommend this web site, and to also contact your State Guard Bureau, IOT get the best and most up to date information
https://www.nationalguard.mil/About-the-Guard/Army-National-Guard/DEERS-Soldier-Journey/Retirement-Services/
Regarding Retirement Pay, currently no monies are received until the age of 60 if you have not deployed or spent any time on AD other than for training. For any deployments, for every 30 you've been deployed, you can subtract those 30 days from age 60 but can roll back no further than 10 years.
But, before all this happens, you will be afforded the opportunity to attend Retirement Briefs. I recommend this web site, and to also contact your State Guard Bureau, IOT get the best and most up to date information
https://www.nationalguard.mil/About-the-Guard/Army-National-Guard/DEERS-Soldier-Journey/Retirement-Services/
The official website of the National Guard
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2LT(P) (Join to see)
There is no pay between the time you retire and turning 60. You will receive retirement pay when you reach 60 based on the points calculation of a reservist, yrs and rank. Tricare is not free, there is a premium until you reach 65. When you retire Tricare for retirees kicks in at 60 (Prime or Select). At 65 you must enroll in Medicare and you will be switched over to Tricare for life (no premiums) as your secondary.
To figure your actual retirement pay will depend greatly what year you retire and points accumulated. There will be Cola’s every year that will affect the amount.
https://themilitarywallet.com/reserve-retirement-calculator/
There is no pay between the time you retire and turning 60. You will receive retirement pay when you reach 60 based on the points calculation of a reservist, yrs and rank. Tricare is not free, there is a premium until you reach 65. When you retire Tricare for retirees kicks in at 60 (Prime or Select). At 65 you must enroll in Medicare and you will be switched over to Tricare for life (no premiums) as your secondary.
To figure your actual retirement pay will depend greatly what year you retire and points accumulated. There will be Cola’s every year that will affect the amount.
https://themilitarywallet.com/reserve-retirement-calculator/
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SPC Allen Moore
It goes by a point system. You get points for prior service years and I believe it’s one per day of active duty. So many points for drills and 2 weeks of active duty every year. Points for being called up for active duty. Points when your Unit asks for volunteer work. Points for schools and online classes. When you reach a retirement age and time your branch of service will send you a letter with a card letting you know that you qualify for retirement. Don’t lose this card because if it turns out that they make a mistake in their calculations you will get what that card states as long as you retire before they find out their mistake! Plus of course your rank plays a part in how much you get. Plus retiring from civil service from the Feds and getting VA disability also changes your Reserve Retirement Check. I hope this helps?
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MSgt (Join to see)
SPC Allen Moore - A VA disability rating can affect your retirement pay. But if you’re rating is 50% or greater you would receive your full retirement pay and disability pay.
Federal civil service pay does not reduce military retirement pay but can affect your pay calculations for your Federal pension.
Federal civil service pay does not reduce military retirement pay but can affect your pay calculations for your Federal pension.
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