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Since only about 20% actually make it to retirement at 20 years, what should a senior NCO do if he is up against a possible medical retirement when he is only at 12 years of active service?
Posted in these groups: 
Retirement
Retirement
Posted 9 y ago
Responses: 5
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Medical retirement may make sense SFC (Join to see). Have you crunched the numbers? If you are 100% disabled per Army standards then medical retirement makes perfect sense. I recommend confirming whether or not you could collect Social Security disability on top of military medical retirement with out any penalties.
Are you presenting a hypothetical case or are you referring to your own situation?
Are you presenting a hypothetical case or are you referring to your own situation?
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SFC (Join to see)
Sir, thanks for the reply. I was presenting a possibility of what I may have to encounter in near future. I dread the fact of even thinking about getting out, but I need to prepare for the worst if it was to happen.
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I'm medically retired, but with 28 years of service. My retirement at 90% disability is pretty good. However, for guys with less than 20 years in, the benefits don't last very long - except for combat related injuries . You really need some professional Army advice. Find out where the retired CSM/SGMs hang out on Carson (every post has a place) and talk with those guys - they KNOW the whole system soup-to-nuts. The ones at Bliss were very helpful to me. Also, don't be afraid to challenge you board's initial assessment and the disability rating they assign you. The JAG office at the hospital can be a big help in getting you everything that you're entitled to. Good Luck - Mo
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SFC (Join to see), medically retired has many benefits and one should seriously consider it if they are non-deployable and cannot serve in a capacity that the service requires. In the Army there are efforts to cut the force, however medical retirements have been somewhat abused by some who seek them in their first term of service. If you or the NCO truly is diagnosed by the medical field as qualified for the retirement, then it is the best option.
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SFC (Join to see)
Sir, I agree with you that 1st term Soldiers tend to misuse the system and also makes a medical retirement look bad on those that really need it. In total I have 15 years, 12 active and 3 reserve. I feel broken and strive to push myself daily to stay focused on my job. Nondeployable status was thrown my direction today and it really hurt hearing those words.
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CW5 Sam R. Baker
SFC (Join to see) - I understand the response you had to it and I would be derailed myself if I had to hear them. I consider myself very fortunate by God's will that I am able to serve to date still somewhat healthy. I actually did not know that I had like 10 waivers in the system for me to fly still. I have not ever been on profile. There are many folks a decade and possibly two that are having problems with the back, neck and knees. If they P3 you on PULHES, you will automatically be med-boarded as I understand it. If you elect to medically retire due to striving to push yourself, then you may consider it. My physicians advice from the flight doc was this. Take care of yourself, your health post military is your own, the service does tend to use us up. Take care of yourself and if you can still perform now, think about being able to do things with your kids. While I don't know the limits of your situation, there also is TERA for retirement of 15 years. I believe it is a DoD policy and not just Army.
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SFC (Join to see)
Sir, I am aware of the 15 year TERA and yes it may be z better option to use. I believe it has to be approved by the CG. The only issue I see with us I g TERA myself would be only having 12 years active and 3 years reserve. I believe TERA had to be all active duty time.
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SFC (Join to see)
SFC (Join to see) - I believe TERA is for Soldiers with less than 20 years of service, but with at least 15 years of service. TERA is limited to those being involuntarily separated due to drawdown.
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