Posted on Mar 17, 2022
SPC Air and Missile Defense Crewmember
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I am serving a five year active duty contract, and want to know if I can do fifteen years reserves after my contract expires, and still retire at twenty years with a pension?
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Responses: 67
CPL Theodore Moore
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As a reservist after 20 years you get your monthly salary after you turn 60. They also factor in your full time service some how. It is too complicated for me. Ask an expert. Maybe a recruiter.
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GySgt William Hardy
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Any combination of years that totals 20+ years as long as you get your 20 year letter stating you qualified. I served 11.5 years active but after some time in reserve status, I was called to active duty and did a tour in Iraq. In the end, I had a total of 26 years, 13 active and 13 reserve. Turned out to be a nice retirement of $+2K a month. When I reached 60, I turned to the military for health care which was significantly less than my civilian plan which saved me money in my later working years. When I retired from my State job, I drew a nice retirement plus my SS. So I sit at home enjoying my retired life and make well above the average income for my area.

My mistake was not staying in and working on rank. I retired as an E7 because I earned that rank while on active duty. Upon joining the reserve side, I was promptly reduced to E5 and had to start over again. When I reached 20 years, I was almost ready for promotion to E7, but retired instead. When 9/11 happened I requested to return to the active reserves. It was granted but I had to come back in as an E5 once again. Had I not had broken time, I could have obtained higher rank. I got caught in the yo-yo game and learned the hard way. It is my opinion that if you are doing reserve service, stay in for the long haul. Serve until you are 60 if physically possible. It will significantly increase your retirement pay. I probably screwed myself out of a good chunk of money. I served from 1967 to 2008, off and on, and wasted about 15 years.
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SGT George Reimuth
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YES you, can , I served for three years in the regular army from 1979 - 1982 , ,then in 1987-2002 ,I SERVED for twenty years in the army national guard. your choice , but in the mean time get a couple of years college education it will help when your retirement from the military expires.
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CW3 Automotive Maintenance Warrant Officer
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After 13.5 years and a 10 year break in service. I retired as a CW4 with 30 years. It can be done. The thing that helped me to get my points and years of service is ADOS tours. I did almost 9 years on active duty. Plus I had deployments too.
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WO1 Dean Casey
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I did about 8 years on active duty, went into the CA National Guard and the the Army Reserves activated twice and retired with 28 years of service as a Warrant Officer drawing retirement.
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SSG Steve Knox
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Edited 2 y ago
Yes, I joined he Guard in 1987. I went on active duty in 2004 and stayed on active duty until 2011, My retirement is more than I expected. FYI, Make sure you check into the Post 911 G,I, Bill eligibility,
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Cpl Ronald Hart
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you will get your VA care--I am
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SSG Shawn Mcfadden
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I suggest you have a chat with your retention NCO about something like that. Problem is you won't draw your pension right after you retire if you're in the reserves.
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MSgt Mason Manner
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And if you think you can do temporary tours of Active Duty , school tours,mandays till you get 20 years of AD those days are gone when you aquire 18 years ofAD you enter SANCTUARY which means only required/authorized mandatory service
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Lt Col Civil Engineer
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I would encourage everyone who may get off active duty short of retirement to join the Reserves. While you may have to wait to age 60, but at that point in your life every little bit of income coming in helps. Of course the Government has changed retirement, gone back on some of their promises, and will likely continue to make changes.
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