Posted on Jul 11, 2017
If I go AD to National Guard and back to AD, do I get my pension when I retire or at 65? Does switching to Blended Retirement affect that?
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If i were you I would make the active duty tours equal 20 years so the guard time is extra. You should get it as soon as you retire if you get 20 good years on active duty.
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CW3 Lynn Peterson
IDT and member points in the reserve component or credited towards an active-duty retirement once a person reaches 20 years of active federal service (AFS). This service is commonly referred to as 1405 time, as it is computed under Title 10 United States Code, Section 1405
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I would speak to your local Retirement Services Officer. They would be able to give you the most accurate information. Go to https://soldierforlife.army.mil/retirement/rso for a list of all the RSOs or to search by location.
Army Retirement Services Officers | Soldier for Life
Army Retirement Services Officers (RSOs) can provide answers for retiring and Retired Soldiers and surviving spouses. Before retirement, contact your RSO for your pre-retirement and Survivor Benefit Plan (SBP) briefings. After retirement, contact your RSO for benefits assistance and for special program items such as the retiree councils, Retiree Appreciation Days, and installation retiree newsletters.
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Here is the official answer. The years of creditable service for computation of the retired pay percentage multiplier include all active duty and any credited reserve points divided by 360. So you get pay credit for all your NG points. However, you don't get any credit for years served from membership points or IDT points. 12–26. Periods not creditable for retirement
The following periods are not creditable for retirement under this chapter.
a. All time required to be made good (see 10 USC 972). (See paragraph 1–21.)
b. Periods of service voided by the Government other than those voided because of minority.
c. Time in a non-pay (non-casualty) status under 37 USC 552(C).
d. Service in a Reserve Component not on
(1) Active duty.
(2) Active duty for training.
(3) Other full-time training duty.
The following periods are not creditable for retirement under this chapter.
a. All time required to be made good (see 10 USC 972). (See paragraph 1–21.)
b. Periods of service voided by the Government other than those voided because of minority.
c. Time in a non-pay (non-casualty) status under 37 USC 552(C).
d. Service in a Reserve Component not on
(1) Active duty.
(2) Active duty for training.
(3) Other full-time training duty.
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CW3 Lynn Peterson
If you have 20 years of active federal service, you will retire with a regular retirement and receive immediate retired pay
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CPT Lawrence Cable
CW3 Lynn Peterson but at 40 percent pay instead of 50 percent? At what point can you access the 401K part without penalties, or is it the same as for civilians
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CW3 Lynn Peterson
If the person opts into blended retirement, then the percentage multiplier goes from 2.5 percent to two percent, so at 20 years the percentage would be 40 percent. The age of retirement for reserve components is actually age 60, but this would be not applicable if the person has 20 or more years of active federal service, as they would be eligible for immediate retired pay. There is no 401(k), but I believe you are talking about TSP. Information about when you can withdraw from your TSP is available on their page at http://www.tsp.gov. The earliest that you can start withdrawing from TSP is at age 59 1/2 and the latest is by April 1st of the year following when you turn age 70 1/2.
Thrift Savings Plan
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