Posted on May 13, 2021
CW2 All Source Intelligence Technician
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If I serve 6 years in the National Guard and 20 years Active Duty will my pension be 50% of my base pay with 26 years of service?
Posted in these groups: Retirement logo Retirement
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SFC Retention Operations Nco
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Your pay will be 50% of your final 36 months monthly average. The formula is (total the last 36 months of base pay / 36) x (2.5% x whole years AD)
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SFC Retention Operations Nco
SFC (Join to see)
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MAJ Ken Landgren yes he would get credit for any AD time served in the Reserves. He's supposed to submit a 1506 upon entry to AD so I just assumed that is counted into his calculation of 20 years
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MAJ Ken Landgren
MAJ Ken Landgren
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SFC (Join to see) - Good call.
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Wouldn't it be a bit over 50% because of the days he served over the 6 years in the guard? He's MI so I'm guessing even with no deployment he'd have 1 to 2 years worth of schools, drill and AT.
SFC Retention Operations Nco
SFC (Join to see)
>1 y
CW3 Matt Tait no your inactive duty time doesn't count. Active Duty retirement doesn't calculate points. You are given credit towards your BASD when you come onto AD, the BASD is used to calculate how many years of AD are credited towards your retirement. So, if you you do two years worth of drill, AT, and mobilization, your BASD will be moved back two years from the day you join AD.
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MAJ Multifunctional Logistician
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Edited >1 y ago
Not exactly. You have to use the retirement points calculation to accurately account for your pension benefit in retirement. Here is the link to the formula from DFAS:

https://www.dfas.mil/retiredmilitary/plan/estimate/

If you're serving in the National Guard for six years you will typically only accrue a small percentage of the total available points in a year (360 points per year for AD). Those points will factor into your total time and need to be calculated with your 7,200 AD points from your 20 years on AD.

Hope this helps.
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SFC Retention Operations Nco
SFC (Join to see)
>1 y
That only applies for a reserve retirement
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CPT Lawrence Cable
CPT Lawrence Cable
>1 y
SFC (Join to see) - Unless the rules have changed, he should still get credit for all his points for pay. You don't double dip on the Active Points from the Reserve Time, but the Army will give him credit for IDT points for Pay.
I still think his actual question is will he pull pay as a CW2 with 26 years TIS and the answer is yes. He should be getting TIS credit of his Reserve time now.
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SP5 Peter Keane
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50 % and 26 years in the same question does not compute.
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CPT Lawrence Cable
CPT Lawrence Cable
>1 y
SP5 Peter Keane - He still will get the retirement pay of a CW2 with 26 years Time in Service, which I think is his real question. He should be getting paid at TIS that includes his Reserve Time too.
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SP5 Peter Keane
SP5 Peter Keane
>1 y
CPT Lawrence Cable - No, he won't. AD retirement is based on 20 years of ACTIVE DUTY. 6 years of NG time would equate to less than 1 year making his service time 20 years and 10 months or there about. the 26 year number DOES NOT APPLY.
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CPT Lawrence Cable
CPT Lawrence Cable
>1 y
SP5 Peter Keane - Your TIS for pay includes reserve time, so he will get paid for being a CW2 with 26 years. He will get paid at 2.5% for 20 years, plus whatever the kicker for his points earned during his reserve time. Points don't count toward Active Duty time towards retirement, but he gets credit for any Active Duty time, including IDT, AT, and any full time Title 10 or Title 32 duty he pulled. So he is CW2 with 26 years TIS for pay, retiring with 20 years active duty (I will assume that includes his active time from the reserves), but his percentage for retirement pay will be based on his actual Active Duty service plus his Reserve Retirement points divided by 360.
I understand that this is a bit more than a little confusing and it took me awhile to research it. However, say what you will about the Army/Army Reserve/Army National Guard, if you contract for it and serve, they give you credit for all of it when you get to the finish. In this case, if his reserve time was just the required IDT, it should add another 2.5% to his retirement pay.
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SP5 Peter Keane
SP5 Peter Keane
>1 y
He can say he has 50 years TIS, he still only gets retirement pay for 20
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