U.S. ARMY RETIRED 

SOLDIER HANDBOOK

2018
RETIREMENT SERVICES OFFICE

HANDBOOK FOR RETIRED SOLDIERS

AND FAMILY MEMBERS

“Once a Soldier, Always a Soldier...a Soldier for Life”

This Handbook has been prepared by:

Deputy Chief of Staff, G-1, 

Soldier for Life - Retirement Services Office (SFL- RSO)

This Handbook is for informational purposes only.

 It does not make or change policy or regulation.

 Retired Soldiers and Family members should 

 contact their Army Retirement Services Officer (RSO) 

 for detailed or additional information.

October 2017
Purpose

To provide Retired Soldiers and Family 

members information on retirement 

programs, benefits and entitlements.

"Plans are nothing; planning is everything." 

Dwight D. Eisenhower
INDEX

CHAPTER 1: INTRODUCTION

1-1. Handbook for Retired Soldiers and their Family members ......................................................1

1-2. Soldier for Life ..........................................................................................................................1

1-3. Army Retirement Services Program.........................................................................................1

1-4. Retirement Services Offices.....................................................................................................1

1-5. Army Echoes ............................................................................................................................2

1.6. Army Chief of Staff’s Retired Soldier Council...........................................................................2

1-7. Installation Retiree Councils.....................................................................................................2

1-8. Retired Army Lapel Button .......................................................................................................2

1-9. MyArmyBenefits (MAB) Program .............................................................................................3

1-10. Thrift Savings Plan (TSP).......................................................................................................3

1-11. The Department of Defense Self-Service Logon (DS LOGON).............................................3

1-12. Community Relations .............................................................................................................4 

1-13. Army Community Services Program ......................................................................................4

1-14. Soldier for Life Transition Assistance Program (SFL-TAP)....................................................4

1-15. Installation Volunteer Coordinators ........................................................................................5 

 

CHAPTER 2: RECORDS AND FILES

2-1. Overview ................................................................................................................................. 6

2-2. Lost Records and Files ........................................................................................................... 6 

2-3. Replacement of Lost Military Records .....................................................................................6

2-4. Correction of Military Records..................................................................................................7

2-5. How to Obtain Copies of Medical/Dental Records...................................................................7

2-6. Change of Address...................................................................................................................7

2-7. Military Identification and Privilege Cards ................................................................................8

2-8. Defense Enrollment Eligibility Reporting System (DEERS).....................................................9

2-9. Military Installation Privileges—Stateside ..............................................................................10

2-10. Military Installation Privileges—Overseas ............................................................................10

2-11. Locating Former and Retired Soldiers .................................................................................10

CHAPTER 3: MILITARY STATUS

3-1. Composition of Retired List ....................................................................................................11

3-2. Temporary Disability Retired List (TDRL) ..............................................................................11

3-3. Permanent Disability Retirement List (PDRL)........................................................................12

3-4. Advancement on the Retired List...........................................................................................12

3-5. Reserve Status of Retired Soldiers ........................................................................................12

3-6. Obligations for Military Service...............................................................................................13

3-7. Mobilization ............................................................................................................................13

3-8. Military Titles and Signatures .................................................................................................13

3-9. Wearing of the Uniform ..........................................................................................................14

3-10. Decorations and Awards ......................................................................................................15

3-11. Legal Assistance ..................................................................................................................15

3-12. The Department of Veterans Affairs.....................................................................................15

3-13. Army Emergency Relief .......................................................................................................16

CHAPTER 4: EMPLOYMENT RESTRICTIONS

4-1. Standards of Conduct.............................................................................................................17

4-2. Employment in DOD...............................................................................................................17

4-3. Business Activities..................................................................................................................17

4-4. Employment by Foreign Governments and Concerns ...........................................................18

4-5. Representation of Interests Contrary to the United States ....................................................18

4-6. Political Activities....................................................................................................................19

4-7. Submission of Written Material for Review ............................................................................19

4-8. Security Program....................................................................................................................19

4-9. Conversion of Security Clearance..........................................................................................20
CHAPTER 5: MILITARY RETIRED PAY AND SPECIAL COMPENSATIONS

5-1. Overview ................................................................................................................................21

5-2. Computation of Retired Pay ...................................................................................................21

5-3. Procedure for Payment ..........................................................................................................22

5-4. Method of Payment ................................................................................................................22

5-5. Retired Pay Mailing Address..................................................................................................23

5-6. Increases in Retired Pay ........................................................................................................23

5-7. Reports of Existence ..............................................................................................................23

5-8. Allotments from Retired Pay ..................................................................................................23

5-9. Deductions from the Retired Pay of Participants in the Survivor Benefit Plan.......................24

5-10. Designation of Beneficiary for Final Pay (or Arrears of Pay) ..............................................24

5-11. Garnishment of Pay.............................................................................................................24

5-12. Combat-Related Special Compensation.............................................................................25

5-13. Concurrent Retirement and Disability Payments ................................................................27

CHAPTER 6: TAXATION OF RETIRED PAY

6-1. Withholding Tax Statement ....................................................................................................29

6-2. Withholding Exemption Certificate .........................................................................................29

6-3. Disability Retired Pay .............................................................................................................29

6-4. Concurrent Retirement Disability Payments (CRDP).............................................................29

6-5. Combat Related Special Compensation (CRSC) ..................................................................30

6-6. Former Spouse Deductions ...................................................................................................30

6-7. VA Disability Compensation...................................................................................................30

6-8. State Taxation of Retired Pay ................................................................................................30

6-9. The Affordable Care Act Tax Information...............................................................................30

6-10. Additional Information...........................................................................................................30

CHAPTER 7: MEDICAL CARE

7-1. Military Treatment Facilities (MTFs).......................................................................................31

7-2. TRICARE................................................................................................................................32

7-3. TRICARE for Life....................................................................................................................33

7-4. TRICARE Young Adult Program ............................................................................................33

7.5. TRICARE Retired Reserve.....................................................................................................34

7-6. TRICARE Pharmacy ..............................................................................................................34

7-7. TRICARE Retired Soldier Dental Plan...................................................................................35

7-8. Minimum Essential Coverage Under the Affordable Care Act...........................................37

7-9 US Family Health Plan ...........................................................................................................37

7-10. Department of Veterans Affairs Medical Care .....................................................................37

7-11. Social Security Medicare......................................................................................................43

7-12. My HealtheVet......................................................................................................................44

7-13. Long Term Care ...................................................................................................................44

CHAPTER 8: BURIAL AND MILITARY HONORS

8-1. Overview ................................................................................................................................45

8-2. VA Burial Benefits ..................................................................................................................45

8-3. Burial in Arlington National Cemetery ....................................................................................46

8-4. Burial in Other National Cemeteries.......................................................................................47

8-5. Military Funeral Honors ..........................................................................................................47

8-6. Additional Information.............................................................................................................47

CHAPTER 9: SURVIVOR ASSISTANCE

9-1. Overview ................................................................................................................................48

9-2. Preparing a Will......................................................................................................................48

9-3. Personal Affairs ......................................................................................................................48

9-4. Army Financial Assistance to Survivors .................................................................................48

9-5. Reporting a Retired Soldier's Death to Non-Army Agencies .................................................49

9-6. Survivor Outreach Services (SOS) ........................................................................................49

9-7. Other Assistance to Survivors................................................................................................50
CHAPTER 10: SURVIVOR BENEFITS

10-1. Final Pay-Arrears in Pay ......................................................................................................51

10-2. Survivor Benefit Plan............................................................................................................51

10-3. Annuities for Certain Military Surviving Spouses ................................................................53

10-4. Death Gratuity ......................................................................................................................54

10-5. Government Insurance.........................................................................................................55

10-6. Dependency and Indemnity Compensation .........................................................................55

10-7. Survivors Benefits Pension (Formerly Death Pension)........................................................56

10-8. Loan Guarantee ...................................................................................................................56

10-9. Survivors and Dependents’ Educational Assistance Program.............................................56

10-10. Social Security...................................................................................................................57

10-11. Civil Service Survivor Annuities ........................................................................................57

10-12. Civil Service Preference....................................................................................................57

10-13. State Benefits ....................................................................................................................57

CHAPTER 11: RETIREMENT HOMES

11-1. The Armed Forces Retirement Home ..................................................................................58

11-2. AFRH-Washington ...............................................................................................................58

11-3. AFRH-Gulfport......................................................................................................................58

11-4. Additional Information...........................................................................................................58

11-5. State Veterans Homes .........................................................................................................59

CHAPTER 12: UNIFORMED SERVICES FORMER SPOUSES’ PROTECTION ACT

12-1. Overview ..............................................................................................................................60

12-2. Effective Date .......................................................................................................................60

12-3. Disposable Retired Pay........................................................................................................60

12-4. Authority for Court to Treat Retired Pay as Property of the Member and Spouse ..............60

12-5. Court-Ordered SBP..............................................................................................................61

12-6. Additional Information...........................................................................................................61

CHAPTER 13: VA BENEFITS

13-1. Overview ..............................................................................................................................62

13-2. VA Benefits Timetable..........................................................................................................62

13-3. Additional Information...........................................................................................................63

CHAPTER 14: SOCIAL SECURITY

14-1. Overview ..............................................................................................................................64

14-2. Eligibility Requirements for Social Security Benefits............................................................64

14-3. Types of Social Security Payments......................................................................................64

14-4. Eligibility for More Than One Type of Benefit ......................................................................65

14-5. Eligibility for a Pension From Work Not Covered by Social Security ...................................65

14-6. Benefits Reduced For Those With Little Social Security Covered Employment..................65

14-7. Lump-Sum Death Payment..................................................................................................66

14-8. Medicare...............................................................................................................................66

14-9. Additional Information...........................................................................................................66

CHAPTER 15: REFERENCES AND TERMS

15-1. References ...........................................................................................................................67

15-2. Terms ...................................................................................................................................68
1

CHAPTER 1: INTRODUCTION

1-1. Handbook for Retired Soldiers and their Family members.

a. This handbook outlines military status after retirement, discusses benefits and privileges, and 

provides other information, which may be helpful in administering personal affairs.

b. This handbook should be shared with your Family members because it contains information 

concerning rights, benefits, and privileges to which they may be entitled.

c. Many of the benefits listed are administered by government agencies other than the Department of 

the Army. Eligibility for these benefits is determined by law, regulation or the responsible government 

agency.

1-2. Soldier for Life.

The U.S. Army established Soldier for Life (SFL) program to define and build the Soldier mindset during 

the years of active service and sustain it in the years after active service. SFL enables Soldiers to leave 

military service "career ready" and connect to an established network of employment, education and 

health resources. Veterans bring value to employers, schools, and communities. 

The Soldier for Life Office connects Army, governmental, and community efforts that facilitate successful 

reintegration of our Soldiers and their Families in order to instill their values, ethos, and leadership within 

their communities.

When Soldiers retire, most settle in communities away from military installations where Americans have 

few ties and little interaction with the military that ensures their freedom and way of life. It is important for 

Retired Soldiers to stay connected to the Army and to tell their Army stories to their neighbors, friends, 

and coworkers. Americans need to understand their military in a personal way. Retired Soldiers, who 

have committed their lives to defending the country, are in a unique position to connect the 1% who 

serve to the 99% who do not, to positively influence others to join or support the military. When we are 

silent about our military careers, we risk Americans making incorrect judgments about the military and 

not supporting its mission. When we engage them, and demonstrate that we are Soldiers for Life, we 

strengthen the country and the military.

To influence Americans, Retired Soldiers should remain connected to the Army and familiar with its 

ongoing changes, challenges, and improvements. Three good ways to stay connected to the Army are 

reading Army Echoes (see para 1-5 in this guide), familiarizing yourself with the resources available on

the Soldier for Life website (https://soldierforlife.army.mil), and MyArmyBenefits website 

(http://myarmybenefits.us.army.mil/).

Thank you for completing your long and successful Army career, but your job isn’t over. Your mission is 

changing, but your duty is not. The Army still needs you as a Soldier for Life. You have an open ended 

invitation to serve. Please contact your nearest Army Retirement Services Officer to become involved in 

a way that best fits your individual circumstances. See para 1-4 below for contact information

1-3. Army Retirement Services Program. 

The Army's Retirement Services Program was started in November 1955 to provide an effective channel 

of communication between the Army and Retired Soldiers. The program is basically educational in 

nature. The Army is concerned with your well-being and wants to keep you informed of the benefits and 

privileges to which you, your eligible Family members, and survivors may be entitled.

1-4. Retirement Services Offices. 

Retirement Services Offices have been established at most major Army installations, at each National 

Guard State Headquarters, and at the four Army Reserve Regional Support Commands. A listing of 

Retirement Services Offices is published in each issue of Army Echoes, the HQDA newsletter for Retired

Soldiers and surviving spouses and their Families, and is also found at

https://soldierforlife.army.mil/retirement/rso. These offices are available to assist Retired Soldiers and 

Family members with military retirement-related matters. Retired Soldiers, surviving spouses, and

Family members are invited to call, write or visit these offices when they need assistance. 
2

1-5. Army Echoes. 

Army Echoes is a 16-page hardcopy, a 24-page electronic newsletter, and a blog on the Soldier for Life 

website. The newsletter is published three times a year (February, June, October) and mailed or emailed 

to over one million Retired Soldiers and surviving spouses. It is designed to keep you informed of 

significant changes to laws that affect you, and to discuss changes in the Army. Because some laws and 

directives require action on your part, you are urged to read each issue of Army Echoes carefully and file 

it with this Handbook. Archived copies of Army Echoes are available online on the Army Retirement 

Services website. 

It is Army policy to email Army Echoes to Retired Soldiers and annuitants at their email address on file in 

myPay. Those who do not have a myPay account or an email in their myPay account will receive Army 

Echoes by mail at the correspondence address they have on file at the Defense Finance and Accounting 

Service-Cleveland Center (DFAS-CL). The Army also mails Army Echoes to Soldiers in the Retired 

Reserve (the Gray Area) not yet receiving retired pay. Currently, the Army mails Army Echoes to their

correspondence address on file at the Army Human Resources Command. However, the Army is 

working on delivering the newsletter to these Soldiers electronically. Surviving spouses who are not 

receiving a Survivor Benefit Plan annuity may request Army Echoes by sending an email to the editor at 

ArmyEchoes@mail.mil

A Retired Army Soldier collecting retired pay or the surviving spouse of a Soldier who is collecting a 

Survivor Benefit Plan annuity, should ensure that the Defense Finance and Accounting Service (DFAS) 

has their current mailing and email address. To update DFAS, create or update your myPay account. 

You may also call DFAS at 1-800-321-1080 or call the nearest installation retirement services officer. 

More information is provided at https://soldierforlife.army.mil/retirement/echoes. “Gray Area” Soldiers

should ensure the Reserve Retirements Branch at the US Army Human Resources Command has their 

current mailing and email address by calling them at 1-888-276-9472.

The Army Echoes Blog is available at https://soldierforlife.army.mil/retirement/blog. Three to five new 

articles are posted to the blog each week. The articles are the same type found in the newsletter, but 

they are available earlier than those published in the newsletter. Because there are no size limitations 

on the blog, more content is available to readers there than in the newsletter. Readers may subscribe to 

the blog using the instructions on the Army Retirement Services webpage. 

1-6. Chief of Staff, Army (CSA) Retired Soldier Council. 

Since 10 November 1971, the Army Chief of Staff’s Retired Soldier Council has been providing the CSA 

with insight into the issues and concerns of Retired Soldiers and Family members. The 14-member 

council is co-chaired by a retired lieutenant general and a retired sergeant major of the army. It is 

comprised of seven officers and seven enlisted members, who live around the world, represent all 

Retired Soldiers and their Families. The Council meets annually for one week when they are recalled to 

active duty at the Pentagon, but their work continues throughout the year. For more information, see 

https://soldierforlife.army.mil/retirement/retireecouncil.

1-7. Installation and Area Retiree Councils. 

Retiree councils have been established at most Army installations and in some areas away from 

installations. These councils represent Retired Soldiers in their local areas and address their concerns to 

the assigned garrison commander. They also extend the Army’s communications network down to the 

individual Retired Soldier and surviving spouse. Concerns raised by these councils are either solved at 

the local level or submitted to Installation Management Command HQ for resolution or forwarding to the 

CSA Retired Soldier Council for resolution if the issues have Army-wide impact. Retired Soldiers are 

urged to represent their fellow Retired Soldiers by serving on installation and area retiree councils. 

Members of the CSA Retired Soldier Council must be members of and be nominated by their installation 

retiree councils.

1-8. Retired Army Lapel Button. 

Retired Soldiers are authorized to wear the U.S. Army Retired lapel button, which is the Army logo with 

the words “Retired Soldier for Life” emblazoned around it. This pin replaced the Retired Army pin, which 

is the Army logo with the word “Retired” emblazoned above it. 
3

1-9. MyArmyBenefits (MAB) Program

The Secretary of the Army was directed within the National Defense Authorization Acts (NDAA) of 2005, 

2006, and 2010, Section 561, to provide a web-based comprehensive capability as a one-stop source of 

providing comprehensive pay, benefits, and entitlements information to Soldiers and their Families. 

This program has grown more important as Soldiers and Families continue to transition from reserve or 

active duty and then to retirement or by completing military service obligations and returning to their civilian 

communities. The MAB program was implemented in 2007 to help Active, U.S. Army Reserve, U.S. Army 

National Guard, retirees, veterans, survivors and Families easily link to all critical benefits information. 

MyArmyBenefits resides at http://myarmybenefits.us.army.mil/ and offers personalized, accurate planning 

calculators for retirement, survivors, and deployment that are accessible using a Common Access Card 

(CAC), or Department of Defense Self Service Logon (DS LOGON). Retirement calculators provide active 

duty, AGR and points based retirement pay estimates that, for the reservists, consider 20 year letter dates, 

Mandatory Removal Dates, Time-in-Grade, adjusted Retirement Pay Eligibility Dates in arriving at an age 

60 retired pay. 

MAB also provides-without a CAC or DS Logon-over 150 fact sheets separated by topic, status of Soldier, 

and specific situations. MAB covers important benefit topics such as the Thrift Savings Plan (TSP), 

Survivor Benefit Plan (SBP), and Department of Veterans Affairs (VA) disability compensation issues. MAB 

also provides the information and procedures for claiming compensation such as Combat Related Special 

Compensation (CRSC) or Concurrent Retired and Disability Pay (CRDP), Social Security (SS) 

compensation, and other federal benefits. A comprehensive Resource Locator function provides locations 

and contact information for benefits providers at installations and facilities in every state and territory. MAB 

provides casualty benefit reports for survivors of military decedents who die on active duty for all military 

services within the Department of Defense. 

1-10. Thrift Savings Plan (TSP)

TSP is a retirement savings and investment plan for Federal employees and members of the uniformed 

services, including the Ready Reserve. It was established by Congress in the Federal Employees' 

Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private 

corporations offer their employees under 401(k) plans.

The TSP is a defined contribution plan, meaning that the retirement income you receive from your TSP 

account will depend on how much you put into your account during your working years and the earnings 

accumulated over that time. Did you know that-

• You stop contributing to the military TSP at retirement 

• Your options at retirement: 

1. do nothing and draw returns when permitted; or 

2. roll into an IRA

• You may resume active participation if you become a federal civilian employee; military and 

civilian TSP accounts may be combined.

If you decide to leave your money in the TSP, be aware that you will be required to start withdrawing your 

money by April 1 of the year following either:

• The year you turn age 701⁄2, if you are separated from Federal employment or the uniformed 

services, or

• As a helpful reminder, the TSP will notify you before your required withdrawal date and mail you 

important tax information about your TSP withdrawal, as well as information about the IRS 

required minimum distributions.

The TSP website offers in-depth tools and information- www.tsp.gov.

1.11. The Department of Defense Self-Service Logon (DS LOGON).

DS Logon is the secure, self-authentication protocol that replaces AKO Single Sign On and provides 

Retired Soldiers and other beneficiaries access to their personal records and information on many DOD 

and VA websites (see list below). DS Logon is the only method for Retired Soldiers and Family 

members, who don't have CAC cards, to access this information on the internet. The DS Logon is a 

secure credential that allows for single-sign on capability to a variety of VA and DOD websites and 

portals. The credential increases the security of a user's personally identifiable information (PII) and 
4

personal health information (PHI). This provides a high level of authentication assurance in situations 

where Common Access Card (CAC) authentication is not available. You may access the DS Logon site 

at: https://www.dmdc.osd.mil/identitymanagement/. 

Websites that accept DS Logon:

• US Army White Pages

• eBenefits

• US Army My Records Portal

• TRICARE Online (TOL)

• MilConnect

• DS LOGON Self-Service website

• Beneficiary Web Enrollment (BWE)

• Address Update

• Family Subsistence Supplemental 

Allowance (FSSA)

• Joint Qualification System (JQS)

• RAPIDS Self Service (RSS)

• Transition GPS (includes VMET)

• DMDC Reserve Component Purchased 

• TRICARE Application (RCPTA)

• Health Net Federal Services

• Humana Military

• MetLife

• myTRICARE

• TRICARE Overseas

• TRICARE4u

• DOD Spouse Education and Career 

Opportunities(SECO)

1-12. Community Relations. 

Retired Soldiers are a valuable link between the Army and the general public. Your knowledge makes 

you an effective spokesperson for the Army in the civilian community, often far-removed from military 

installations or experience. Your example and influence can help the Army maintain the kind of public 

support essential to our national defense. Retired Soldiers who live near Army installations can be 

particularly helpful in promoting good relationships between the installations and communities. No other 

group can better understand the feelings and problems of both the civilian and military communities. By 

serving as a liaison between the two sectors, Retired Soldiers help sectors work together toward 

common goals. There are many ways in which Retired Soldiers can serve as active representatives of 

the Army in their communities. Speaking before civic groups, professional and business clubs, and 

Veterans' organizations is one way. Writing newspaper articles on military subjects of current interest to 

the Army is another. Retired Soldiers can help retiring Soldiers by referring local employers to the 

Soldier for Life Transition Assistance Program (SFL–TAP) web site, https://www.sfl-tap.army.mil/ and 

https://www.ebenefits.va.gov/ebenefits/homepage where they can use the “employment center” path to 

list jobs; or by supporting SFL-TAP as employers. 

The Army hopes that Retired Soldiers will do their part in maintaining and strengthening the prestige of 

the Army and promoting goodwill between the Army and the general public. Retired Soldiers may 

contact an installation public affairs officer to learn of more ways to help in the area of community 

relations.

1-13. Army Community Services Program. 

Army Community Services (ACS) centers are the hub for social service programs on installations. 

ACS programs promote wholesome communities that foster self-reliance and family resiliency. Retired

Soldiers and their families are eligible to use many ACS programs, and are encouraged to become 

ACS volunteers. For more information please go to 

http://myarmybenefits.us.army.mil/Home/Benefit_Library/Federal_Benefits_Page.html under Family 

Services.

1-14. Soldier for Life - Transition Assistance Program. 

There are 58 Soldier for Life - Transition Assistance Program (SFL-TAP), locations that serve Active and 

Reserve Component Soldiers world-wide, to include a SFL-TAP Virtual Center which is operational 24/7. 

Transition counselors provide extensive transition support to transitioning and retiring Soldiers, Department 

of Army Civilians, and their Family members. SFL-TAP is a valuable source of information and provides 

transition resources to Active Component Soldiers, Reserve Component Soldiers, Army Wounded 

Warriors, Surviving Spouses, care givers, Retired Soldiers, Army Veterans, Army Family Members and 

employers. Retired Soldiers and their Family members with ID cards are eligible for SFL-TAP services on a 

space-
5

available basis indefinitely. Veterans from every service branch can access SFL-TAP services up to 180 

days after their transition date on a space-available basis. Locate a SFL-TAP Center near you at 

https://www.sfl-tap.army.mil or call the 24/7 Virtual Center to speak with a counselor for assistance at 1-

800-325-4715 

1-15. Installation Volunteer Coordinators. Through the Army Volunteer Corps program, most Army 

installations have an office to coordinate their volunteer efforts. Retired Soldiers and their Family 

members, because of their wealth of personal experience and insight into many aspects of the military 

lifestyle, are in great demand as volunteers. You can provide a vital service in the Army's family support 

and family readiness programs. To volunteer, contact your installation volunteer coordinator or go online 

to http://www.myarmyonesource.com/default.aspx and click on “Volunteer Tools.” Even one day or one 

hour of your time can provide a vital service.
6

CHAPTER 2: RECORDS AND FILES

2-1. Overview.

a. A good plan is supported by documentation, records and files. To plan for tomorrow, start today –

one-step at a time. To plan is to take charge of your future. Not to plan is to let the future “just happen." 

b. Your retirement plan also requires constant reevaluation and updating. Time will clearly illustrate how 

quickly plans become outdated. Updating financial plans is even more critical because what is fiscally 

sound today may not be in five to ten years. Inflation, in conjunction with changing personal 

circumstances, can erode an otherwise sound fiscal plan.

c. The first step in planning and determining tomorrow's needs is knowing what you have today. 

Therefore, Retired Soldiers are urged to develop a list of assets and to list the location of important 

documents that survivors will need to claim these assets. Family members should be told where this 

information is on file and should have ready access to this Handbook. You can use the Casualty 

Assistance Checklist found at: https://soldierforlife.army.mil/retirement/postretirement.

2-2. Lost Records and Files. 

Lost or misplaced records and files create problems for Retired Soldiers, their spouses, and survivors 

when they apply for benefits. Retiring Soldiers should make and keep a copy of your complete medical 

and personnel records before turning them in for final out-processing. These records should be kept in a 

safe place for future reference. Preparing a will, purchasing insurance, electing Survivor Benefit Plan 

(SBP) coverage, or applying for recognition of a service-connected disability from the Department of 

Veterans Affairs (VA) are all very important actions. Lack of documentation often causes delayed or lost 

benefits. It is especially frustrating when this occurs at a very critical or emotional time. So, maintain 

copies of documents in a place that is easily accessible and secure. 

2-3. Replacement of Lost Military Records.

Accessing or Requesting Your Official Military Personnel File (OMPF) Documents 

To obtain copies of specific document(s) to include the DD Form 214 or the entire OMPF please go to 

https://www.hrcapps.army.mil/portal/. 

To electronically access the OMPF, a Common Access Card (CAC), or Department of Defense SelfService Logon (DS Logon) account is required. Electronic access is a free, easy way to view the OMPF. 

It gives the flexibility to print specific document(s) or download the entire OMPF 24 hours per day, 7 days 

per week. 

The National Archives and Records Administration’s National Personnel Records Center (NPRC) in St. 

Louis, MO, is the repository for U.S. Army military records stored in paper copy/microfiche format. These 

records primarily pertain to personnel who were discharged, retired or deceased while in service before 

October 1, 2002. Please go to http://www.archives.gov/veterans/. 

Records Custodians:

U.S. Army and U.S. Army Reserve 

Commander

U.S. Army Human Resources Command

ATTN: AHRC-PDR-R

1600 Spearhead Division Avenue

Fort Knox, KY 40122

U.S. Army National Guard

The Adjutant General

(of the appropriate state, or territory)

For more information:

https://www.hrc.army.mil/TAGD/Accessing%20or%20Requesting%20Your%20Official%20Military%20Pe

rsonnel%20File%20Documents. 
7

2-4. Correction of Military Records.

a. Using Department of Defense (DD) Form 149, “Application for Correction of Military Record.” Under 

the Provisions of Title 10, U.S. Code, §1552,” a Retired Soldier, their survivors, or a legal representative 

may request a correction to military records. The completed DD Form 149 should be 

submitted to: Army Review Boards Agency Support Division, 251 18th Street South, Suite 385, Arlington 

VA 22202-3531. A DD Form 149 may be obtained online at: http://arba.army.pentagon.mil/.

b. In order to justify correction of a military record, the applicant must, to the satisfaction of the Army 

Board for Correction of Military Records (ABCMR), prove that the alleged entry or omission in the record 

was in error or unjust. The ABCMR considers applications and makes recommendations to the 

Secretary of the Army. 

c. An application for correction of record must be filed within three years after discovering the error or 

injustice. If filed after the three-year deadline, the applicant must include in the application reasons the 

ABCMR should find it in the interest of justice to accept the late application.

d. Evidence may include affidavits or signed testimony executed under oath, and a brief of arguments 

supporting the application. All evidence not already included in your record must be submitted. The 

responsibility for securing new evidence rests with the applicant.

2-5. How to Obtain Copies of Medical/Dental Records.

a. In the 1990s, the military services discontinued the practice of filing health records with the personnel 

record portion at the National Personnel Records Center (NPRC). In 1992, the Army began retiring 

most of its former members' health records to the Department of Veterans Affairs (VA). For more 

information on obtaining your medical records, please go to: 

http://www.washingtondc.va.gov/patients/roi.asp.

b. Veterans who plan to file a claim for medical benefits with the Department of Veterans Affairs (VA) do 

not need to request a copy of their military health record from the NPRC. After a claim is filed, the VA will 

obtain the original health record from the NPRC. In addition, many health records were lent to the 

Department of Veterans Affairs prior to the 1973 fire.

c. Veterans who filed a medical claim should contact the Department of Veterans Affairs (VA) in order to 

determine if their record is already on file. The VA Toll Free # is: 1-800-827-1000 and will connect the 

caller to the nearest VA office. 

2-6. Change of Address.

a. Retired Soldiers and annuitants in receipt of payment. As a Retired Soldier or surviving spouse 

receiving a Survivor Benefit Plan annuity, you are responsible for updating the Defense Finance and 

Accounting Service when you move or change your email address. If you’re a Gray Area Soldier, you 

are responsible for updating your information with U.S. Army Human Resources Command (HRC). Even 

if your check is going to your bank, prompt reporting of a change in your residence address is essential 

for the continued receipt of special mailings. The Defense Finance and Accounting Service - Cleveland 

Center (DFAS-CL) maintains two separate mailing lists, one for pay purposes and one for 

correspondence purposes. “Correspondence” includes mailing of Army Echoes, Retired Soldier or 

Annuitant Account Statements, DFAS-CL newsletters, and income tax forms. Retired Soldiers and 

annuitants who receive their pay by Electronic Funds Transfer (EFT) or International EFT (IEFT) (also 

known as International Direct Deposit—IDD) sometimes forget to change their residence address, 

because their pay continues to the financial institution regardless of a change in residence. You can 

update your address using the online pay system myPay at https://mypay.dfas.mil/mypay.aspx or by 

calling 1-800-321-1080. In short, keep your address current! 

Retired Soldiers: Change your address by writing to: Defense Finance and Accounting Service, U.S. 

Military Retired Pay, 8899 E. 56th Street, Indianapolis, IN 46249-1200; or FAX the request to 1-800-469-

6559. For more information, please go to 

https://www.dfas.mil/retiredmilitary/manage/changeofaddress.html. 
8

Annuitants, Beneficiaries and Survivors (i.e., those in receipt of Survivor Benefit Plan or Retired 

Serviceman’s Family Protection Plan annuities): Change your address by writing to: Defense Finance 

and Accounting Service, U.S. Military Annuitant Pay,8899 E. 56th Street, Indianapolis, IN 46249-1300; or 

FAX it to 1-800-982-8459. For more information, please go to 

https://www.dfas.mil/retiredmilitary/manage/changeofaddress.html

b. For mobilization purposes. Most Retired Soldiers are subject to mobilization. Therefore, they must 

also submit changes of address to Commander, U.S. Army Human Resources Command ATTN: AHRCPLM-O, 1600 Spearhead Division Ave, Ft. Knox, KY 40122; Web site 

https://www.hrc.army.mil/STAFF/Retired Soldier Recall; phone number 1-888-ARMYHRC (276-9472).

c. “Gray Area” Retired Soldiers. “Gray Area” refers to members who have received their Notification of 

Eligibility (NOE) to receive retired pay at age 60 (aka “20-Year Letter”), but are not yet age 60 and 

receiving retired pay. They, too, must keep their correspondence addresses updated by writing to 

Commander, Commander, U.S. Army Human Resources Command, AHRC-PDP-TR, 1600 Spearhead 

Division Ave, Fort Knox, KY 40122. If you have any questions concerning the 20-Year Letter of 

Eligibility, contact the Human Resources Contact Center at 1-888-276-9472. The Army also uses this 

address to mail Army Echoes to Gray Area Retired Soldiers. 

d. Non-annuitant surviving spouses. Surviving spouses who are not in receipt of SBP (non-annuitants), 

may notify HQ Army Retirement Services (ATTN: DAPE-MPL-RS), 251 18th Street South Suite 210, 

Arlington, VA 22202-3531 or ArmyEchoes@mail.mil, if they wish to continue receiving Army Echoes. 

Address changes must still be reported to DEERS via any military ID card issuing facility. Locate the 

nearest ID card facility by going to: http://www.dmdc.osd.mil/rsl

e. Former spouses. Former spouses of Retired Soldiers do not receive Army Echoes but may read 

Army Echoes at https://soldierforlife.army.mil/retirement/echoes, and also obtain information from the 

Former Spouse section of our homepage, https://soldierforlife.army.mil/retirement/usfspa. Former 

spouses who are eligible for ID card benefits should, however, keep their address current within DEERS 

via any military ID card issuing facility. Locate the nearest facility by going to: 

http://www.dmdc.osd.mil/rsl

f. Retired Soldiers and survivors receiving benefits from the Department of Veterans Affairs (VA). 

Retired Soldiers and survivors receiving benefits from the VA should notify the VA of their address 

change by calling 1-800-827-1000. The VA Web site is: http://www.va.gov.

2-7. Military Identification and Privilege Cards.

a. Military Identification and Privilege Cards (aka ID Cards) are issued to Retired Soldiers and eligible 

Family members as a means of identification and as authorization for various benefits and privileges. DD 

Form 2A (Ret) (blue) (Armed Forces Identification Card) is issued to Retired Soldiers who are entitled to 

retired pay, even if they have waived their military retired pay in favor of VA compensation, or due to 

retirement from the federal government. DD Form 1173 (Uniformed Services Identification and Privilege 

Card) is issued to eligible Family members of living and deceased Retired Soldiers. The DD Form 1173 

identifies the Family member as being eligible for commissary, Exchange, theater privileges, and medical 

care. Medical care at military facilities is provided on a space-available basis. Military and civilian health 

care benefits are coordinated through the TRICARE program, http://www.tricare.mil.

b. Military ID cards for Retired Soldiers and eligible dependent Family members contain vital personal 

information, such as the cardholder's date of birth, as well as a photo. ID cards also contain the DOD ID 

number and DOD Benefits number of the sponsor and cardholder (only Family members ID cards 

contain both numbers). Retired Soldiers with an indefinite expiration date can request a new ID card 

without their Social Security number. Family member ID cards will change when the cardholder's expired 

ID card is renewed.

c. Retired Soldiers and eligible Family members who are enrolled in the Defense Enrollment Eligibility 

Reporting System (DEERS) may apply to any Military Identification Card Issuing Facility for issue of an 

ID card. Find the nearest facility by visiting: http://www.dmdc.osd.mil/rsl. If not yet enrolled in DEERS 

(for example, a new spouse or child), you must present supporting documents such as retirement orders, 

marriage certificates, birth certificates, etc. Family members may apply for an ID card without the retired

sponsor being present. However, if not present, the sponsor's signature must be notarized on the 

completed application presented to the ID card issuing facility.
9

d. Gray Area Identification ID cards reflecting Retired Reserve (without pay) status for the individual and 

eligible Family members will be issued at any ID card-issuing facility upon presentation of NOE and 

transfer orders to the Retired Reserve (without pay). The Reservist will receive a DD Form 2 (Red) ID 

card, while eligible Family members receive the DD Form 1173-1 (Red) ID card. Entry into the Defense 

Enrollment Eligibility Reporting System (DEERS) is essential for proper eligibility verification and future 

ID card renewal/status changes. Once eligible to receive pay, it will be necessary to report to any ID 

card-issuing facility in order to receive the DD Form 2 (Blue) ID card and Family members will receive the 

DD Form 1173-1 (Tan) ID card.

e. The Uniformed Services Identification and Privilege Card is the property of the U.S. Government. It is 

not transferable, and must be surrendered by the Retired Soldier or Family member upon any change in 

status that affects eligibility; upon expiration of the card; or upon request by military authorities. Cards 

should be returned to any local Military ID Card Site, or mailed to Commander, U.S. Army Human 

Resources Command, Dept 480, AHRC-PDP-P, 1600 Spearhead Division Ave, Fort Knox, KY 40122.

f. Generally, the following individuals are eligible for military ID Cards. The final decision is based on 

Army regulations and policies. Always call ahead before traveling to an ID card issuing office.

(1) Retired Soldiers in receipt of retired pay, or who would be in receipt of retired pay except for the 

offset of it due to receipt of VA disability compensation or a civil service retirement annuity.

(2) Spouses at age 75, the ID card is issued with an "Indefinite" status, never to expire as long as the 

individual remains eligible. Currently, any eligible dependent, including unremarried and unmarried 

widows, widowers, and former spouses over the age of 75, can receive an ID card reflecting the 

"Indefinite" status.

(3) Certain former spouses of individuals in (1) above. 

(4) Children, including stepchildren and adopted children, under age 21, or under age 23 if full-time, 

unmarried students, or any age if incapacitated before the age of 21 (or 23, if applicable) and dependent 

upon the retired sponsor in (1) above for more than one-half their support

(5) Parents, parents-in-law, and adopted parents, if dependent on the retired sponsor in (1) above for 

more than one-half of their support.

(6) Gray Area Retired Soldiers 

g. Documentation for incapacitated children over 21 and dependent parents must be approved for 

medical benefits and entitlements by DFAS-Indianapolis Center. If you have an incapacitated child over 

the age of 21, you can download the DD FORM 137-5, DEPENDENCY STATEMENT -

INCAPACITATED CHILD OVER AGE 21, Incapacitated Child form at

www.dtic.mil/whs/directives/forms/eforms/dd0137-5.pdf then click ok. The ID Card Facility is not the 

approving authority for the packet-DFAS is. If you have any question regarding the packet please call toll 

free: 1-888-332-7411 or fax: 317-275-0828. You must complete the packet and send it to:

DFAS/IN

ATTN: JMTCB

8899 EAST 56TH ST.

INDIANAPOLIS, IN 46249-0885

Even if the incapacitated child has a permanent condition the packet must be resubmitted every four 

years.

2-8. Defense Enrollment Eligibility Reporting System (DEERS).

DEERS is a computerized database containing information on military sponsors (active, Reserve/Guard, 

Retired) and their beneficiaries who may be eligible for medical care and other military privileges. The 

database is automatically updated when a new ID card is issued. Retired Soldiers who acquire new 

Family members after retirement should contact the nearest military ID card issuing facility for information 

on DEERS enrollment and ID card issuance. DEERS/ID Card offices can be located at 

https://www.dmdc.osd.mil/self_service/rapids/unauthenticated?execution=e1s1. 
10

2-9. Military Installation Privileges Stateside. 

Retired Soldiers, eligible Family members, and un-remarried surviving spouses are authorized to use 

various Morale, Welfare, and Recreation (MWR) facilities on military installations, on a space-available 

basis. The availability to accommodate Retired Soldiers varies widely at different Army installations. The 

local installation commander determines whether these facilities may be used by Retired Soldiers. 

This determination is usually based on whether the facilities can accommodate Retired Soldiers without 

creating hardships for active duty Soldiers. Retired Soldiers and Family members are authorized use of 

commissary and Exchange facilities in the United States regardless of store adequacy. Your military ID 

card is sufficient proof of eligibility.

2-10. Military Installation Privileges Overseas. 

Some Retired Soldiers who travel overseas are disappointed to learn that they are not permitted to use 

the Service facilities of an overseas U.S. military base which is a privilege they are normally entitled to 

within the United States. Army regulations regarding commissary and Exchange privileges for Retired

Soldiers are applicable overseas only to the extent agreed upon by the foreign governments concerned, 

better known as Status of Forces of Agreements (SOFA). Sometimes certain facilities are so limited in 

an overseas area that their use cannot be extended to Retired Soldiers. Medical facilities in some 

foreign countries are designed and staffed only to care for active duty Soldiers and their eligible Family 

members, and use by Retired Soldiers and their Family members must be severely limited. Before

traveling overseas, recommend that you contact officials at the overseas location to determine the 

privileges available and please visit this IMCOM Europe site: http://www.imcomeurope.army.mil/webs/sites/europe_life/retiree/logistical_support/germany_log_support/index.html.

Retirement Services Officers (RSO) can provide their current address. See the RSO listing at 

https://soldierforlife.army.mil/retirement/rso. 

2-11. Locating Former and Retired Soldiers. 

The Privacy Act prevents the Department of the Army from releasing the home addresses of former and 

Retired Soldiers to private individuals (including other Soldiers and spouses of Soldiers) without the 

express written consent of the Soldier. U.S. Human Resources Command created the new Army White 

Pages in 2015 to replace the AKO White Pages. Anyone with a CAC or DS Logon may log into the 

White Pages at https://www.hrcapps.army.mil/Portal/ to locate a Soldier, Retired Soldier, or Veteran. 

You must opt in to allow your personal information to be visible to others. You may also update your 

contact information at any time. 
11

CHAPTER 3: MILITARY STATUS

3-1. Composition of Retired List. 

Soldiers are placed on one of the following lists at retirement:

U.S. Army (USA) Retired List. All Army personnel, active or reserve component, retired for service, 

age, or physical disability and all personnel on the Army of the United States Retired List, including 

regular Army personnel and non-regular Army personnel on the Temporary Disability Retired List who 

are granted retired pay under any provision of law; and retired warrant officers and enlisted Soldiers of 

the Regular Army who, by reason of service in temporary commissioned grades, are entitled to receive 

the retired pay of the commissioned grades..

Temporary Disability Retired List (TDRL). The TDRL is for officers, warrant officers, and enlisted 

Soldiers who are retired for disabilities that may or may not be permanent. 

Permanent Disability Retired List (PDRL). The PDRL is for officers, warrant officers, and enlisted 

Soldiers who are retired for disabilities who are removed from the TDRL and are permanently retired for 

physical disability.

3-2. Temporary Disability Retired List.

a. Soldiers placed on the TDRL must take a physical examination at least once every 18 months at a 

time and place designated by the Human Resources Command – Fort Knox. After each periodic 

reevaluation, including review at HQs, Department of the Army, a decision is made that the Soldier will --

(1) continue on the TDRL with the same disability rating, subject to further examinations;

(2) be removed from the TDRL and be permanently retired if the disability is permanent and rated at 30 

percent or more, or if the disability is permanent and rated at less than 30 percent but the Soldier has 

completed 20 or more years of creditable service;

(3) be discharged from the service with severance pay if the Soldier's disability is determined to be less 

than 30 percent and the Soldier does not have 20 years of service creditable for retirement; 

(4) be removed from the TDRL with a finding of physically fit. A Soldier who is found to be physically fit 

will be re-appointed or re-enlisted, with the Soldier's consent, in the component in which he or she was 

serving immediately before being placed on the TDRL. If the date of reappointment and placement on 

the Active Duty list is after the date a RA officer was subject to mandatory retirement because of age, 

years of active federal service, Selective Early Retirement Board (SERB) selection or promotion nonselection, or if an Other-Than-Regular-Army (OTRA) officer and the reappointment date is on a date after 

the officer was to be involuntarily separated because of years of active federal service or promotion nonselection, RA officers will be mandatorily retired and OTRA officers involuntarily separated on the last 

day of the month following the month in which the officer is reappointed.

b. In accordance with the National Defense Authorization Act (NDAA) of 2017, tenure for Soldiers placed 

on TDRL beginning January 1, 2017 is three years. Soldiers placed on prior to this date are 

grandfathered and will remain at the five year tenure. The law requires that a final determination be made 

before the third or fifth anniversary of placement on the TDRL. However, you may be removed from the 

TDRL at an earlier date whenever a periodic examination discloses that your medical condition has 

stabilized for rating purposes. The law also directs the termination of Army retired pay and all retiree 

benefits if a final determination is not made at the end of three or five years. This cannot be waived.

c. TDRL Soldiers must immediately report any address change to the Commander, U.S. Army Physical 

Disability Agency, ATTN: AHRC-D, 2530 Crystal Drive, Arlington, Virginia 22202, to ensure they receive 

notification of their next periodic medical examination. Soldiers traveling or living abroad also are 

required to undergo a medical examination at least once every 18 months. Failure to report for an 

examination after receipt of notification is cause for suspension of retired pay. For more information, visit 

https://www.hrc.army.mil/TAGD/US%20Army%20Physical%20Disability%20Agency.

d. TDRL Soldiers who have waived Army retired pay to receive tax-free disability compensation from the 

Department of Veterans Affairs (VA) must continue to take periodic medical examinations when ordered 

to do so by the Secretary of the Army. If a patient is in a VA hospital at the time of a scheduled periodic 

examination, the patient must notify the PDA, who will then obtain a report from the VA that serves to 

replace the periodic examination.
12

e. When corresponding with the PDA, print or type your full name as it appears in your military records 

and include your SSN. 

f. All TDRL travel will be processed using the Defense Travel System (DTS). Reimbursement is 

determined in accordance with the Joint Travel Regulation (JTR). If air or ground travel is required, travel 

arrangements must be made through the military Commercial Travel Office (CTO) by the assigned 

PEBLO/VELO prior to the travel. Rental cars must also be reserved through the CTO. If the trip is 

greater than 12 hours in duration, meal reimbursement is authorized. If a Soldier does not have sufficient 

money to make the trip, he/she may request a travel advance by contacting their PEBLO/VELO for 

assistance. This should be done at least 10 business days prior to the travel, and they must have a bank 

account in order for funds to be posted. They will be required to complete and submit to the 

PEBLO/VELO an Electronic Funds Transfer (EFT) form before travel can be approved. The 

PEBLO/VELO will also assist with completing the form for reimbursement (DD form 1351-2) of authorized 

expenses. They must attach receipts for any expense over $75.00. Mandatory receipts regardless of 

cost that must be included with the voucher are zero balance lodging receipts and rental car receipts. It 

is strongly encouraged that they discuss travel arrangements with their PEBLO/VELO prior to travel to 

the MTF to ensure that they are clear on entitlements. The same rules apply for travel to a formal PEB if 

required.

g. Transportation Requests (TRs) can be obtained from the nearest military installation. The TR will 

authorize travel at no personal expense, and will cover travel expenses to the medical facility.

3-3. Permanent Disability Retirement List (PDRL). 

a. The United States Army Physical Disability Agency will remove a Soldier from the TDRL as described 

below on the fifth anniversary of the date the Soldier’s name was placed on the list, or sooner on the 

approved recommendation of a PEB.

Permanent retirement. If the Soldier meets the criteria below, the Soldier will be removed from the TDRL,

permanently retired for physical disability, and entitled to receive disability retired pay:

(1)The Soldier is unfit.

(2) The disability causing the Soldier’s name to be placed on the TDRL has become permanent.

(3) The disability is rated at 30 percent or more under the Veterans Affairs Schedule for Rating 

Disabilities, or the Soldier has at least 20 years of active Federal service.

b. Soldiers who are on the PDRL are entitled to disability retired pay from the Department of Defense 

(DOD). Disability retired pay is based on the larger of two formulas, one that is based on your disability 

percentage (often referred to as Method A), and the other based on years of active service (often 

referred to as Method B). Pay is computed based on whichever formula is most beneficial for you.

Your disability percentage (using a minimum of 50 percent for payment purposes while on the TDRL), 

referred to as Method A, or your years of active service, referred to as Method B.

c. If you have been transferred from the TDRL to the PDRL, your retired pay will be recalculated using 

your most current disability rating.

3-4. Advancement on the Retired List. 

When active service plus service on the U.S. Army retired list totals 30 years, each warrant officer of the 

Army and each enlisted Soldier of the Army can be advanced on the Army of the United States (AUS) 

List to the highest grade satisfactorily served on active duty or, in the case of a member of the Army 

National Guard, in which they served on full-time duty satisfactorily.(See 10 U.S.C.§3964) The Secretary 

of the Army decides what criteria constitutes satisfactory service. Because the criteria may be revised 

from time to time, it is not practicable to include them in this Handbook. The Army agency responsible 

for such actions, the Human Resources Command, applies the most current criteria at the time the 

Retired Soldier has completed 30 years of service.

3-5. Reserve Status of Retired Soldiers.

a. The U.S. Army Reserve is a statutory Federal force which consists of the Ready Reserve, the 

Standby Reserve and the Retired Reserve. 

b. Each Soldier of the U.S. Army Reserve is placed in one of these categories:

(1) A Reserve officer and warrant officer who has retired after serving 20 years or more of active duty is 

placed on the Army of the United States (AUS) Retired List and immediately transferred to the Retired 

Reserve.
13

(2) An officer holding a commission in the Army Reserve who is retired for permanent disability and 

placed on the AUS Retired List is transferred to the Retired Reserve.

(3) An enlisted Soldier of the Regular Army who retires from active duty with at least 20 but fewer than 

30 years of service automatically becomes a Soldier of the Army Reserve until he or she has 30 years of 

active and retired service. The Army also assigns these Soldiers to the Retired Reserve. When they 

attain a combined total of 30 years of service, they may remain in their dual status (U.S. Army Retired 

and U.S. Army Reserve Retired), or request HRC to discharge them from the Army Reserve. Discharge 

from the Army Reserve in no way affects their retired pay or status on the AUS Retired List. A Regular 

Army enlisted Soldier who holds dual status as a Reserve commissioned or warrant officer may complete 

the remainder of service in either officer or enlisted status; in either case, the Army will transfer the 

Soldier to the Retired Reserve upon retirement from active duty. If the Soldier elects to complete 30 

years of service in enlisted status, status as a Reserve officer of the Army will be vacated automatically 

upon retirement, and the Soldier will be transferred to the Retired Reserve in enlisted status

(4) A Reserve Component officer, warrant officer or enlisted Soldier who has served 20 creditable years 

will be transferred to either the U.S. Army Retired Reserve or be discharged. They are placed on the 

AUS Retired List at age 60 or earlier if eligible for reduced age retirement after completing and submitting 

the retired pay application to the U.S. Army Human Resources Command for processing. 

3-6. Obligations for Military Service.

Regular Army Retired Soldiers remain subject to military law. This applies to those advanced to a higher 

grade on the AUS Retired list, as well as those enlisted Soldiers assigned to the Retired Reserve to 

complete 30 years of service. They may be ordered to active duty at any time by the President, and may 

be assigned to duties the President considers necessary in the interests of national defense.

3-7. Mobilization. 

a. The Secretary of the Army, with approval of the Secretary of Defense, may order any Retired Soldier 

of the Army's Reserve Components, with or without the Soldier's consent, to active duty when the 

Congress declares the existence of a state of war or national emergency.

b. In the event of full mobilization (war), the Army has developed a program for recalling retired Army 

officers, warrant officers, and enlisted Soldiers. This program pre-assigns Retired Soldiers, by skill, to 

CONUS TDA/MOBTDA requirements considered suitable for fill by Retired Soldiers. These positions 

may be mobilization augmentation positions or spaces encumbered by active Army Soldiers. When 

recalled, upon reporting for active duty, Retired Soldiers free up active duty Soldiers for deployment. 

Retired Soldiers may also be deployed provided they are qualified and capable of performing duties 

related to their military occupational specialty. Selected Retired Soldiers may also be recalled to active 

duty, either voluntarily or involuntarily, to fill specific needs during contingency operations requiring less 

than full mobilization. In such cases, HRC will issue orders recalling those selected and provide 

instructions to be followed.

c. Retired Soldiers may be recalled up to age 64 for general officers, 62 for warrant officers, and 60 for 

all others. 

d. A Soldier in the Retired Reserve who receives retired pay or disability compensation and is recalled to 

active duty, active duty for training, or any other duty for which compensation is authorized, may receive 

only one type of payment.

3-8. Military Titles and Signatures. 

a. All retired personnel not on active duty are permitted to use their military titles socially and in 

connection with commercial enterprises. However, such military titles must never be used in any manner 

that may bring discredit to the Army. The use of military titles is prohibited in connection with commercial 

enterprises when such use, with or without the intent to mislead, gives rise to any appearance of 

sponsorship or approval by the Department of the Army or Department of Defense. Army Regulation 25-

50, Preparing and Managing Correspondence, provides guidance to Retired Soldiers about using their 

rank in writing after retirement. 

b. Military titles will not be a part of the signature block of a Retired Soldier when signing official 

correspondences as a civil service employee.

c. Retired Soldiers not on active duty will not use their military titles in connection with public 
14

appearances outside the United States unless such use is authorized by the appropriate overseas 

commander.

d. When military titles are used by members to sign their names to documents that pertain to them 

personally, they must show that they are in a retired status after the grade as follows:

(1) “USA Retired” will be used by all Regular Army (RA) personnel retired for service, age, or physical 

disability, including RA personnel on the Temporary Disability Retired List (TDRL)(for example, A. B. 

Smith, COL (USA Retired).

(2) “USA Retired” will be used by all personnel on the Army of the United States (AUS) Retired list, 

including non-regular Army personnel on the TDRL.

e. Social and business cards must reflect the retired status as prescribed above.

f. In a military office, Retired Soldiers using military titles on the telephone could lead to confusion and 

unwitting misrepresentation, conveying the impression of active duty status. In any case, common sense 

is the guide when a Retired Soldier works for the Government. No reasonable retired officer would invite 

awkwardness when employed in a military office by insisting on being called by military title, if such title 

outranks the Retired Soldier's active duty supervisor. The Retired Soldier's use of his rightful title in 

Government employment is guided by his acceptance of his civilian status and loyal conformance to the 

established channels of command. Local customs, practices, and conditions of employment are the 

primary influencing factors. Retired Soldiers serving as DA civilians will not use or refer to their military 

grade or rank except when referring to their personal retirement actions.

3-9. Wearing of the Uniform.

a. Retired Soldiers may wear the Army uniform at occasions essentially of a military character, at which

the uniform is more appropriate than civilian clothing. These functions include, but are not limited to: 

military balls, military parades, inaugurals, weddings, memorial services, and military funerals; memorial 

services, meetings, conferences, or similar functions of associations formed for military purposes, of

which the membership is composed largely or entirely of current or honorably discharged Veterans of

the Armed Forces of the United States. Authority to wear the uniform includes wear while traveling

to and from the ceremony or function, provided the travel in uniform can be completed on the day of 

the ceremony or function.

b. In addition to the occasions for wear listed above, retired personnel are authorized to wear the

uniform only when attending parades on national or State holidays, or other patriotic parades or

ceremonies in which any active or reserve U.S. military unit is taking part. Uniforms for these

occasions are restricted to service and dress uniforms; the combat uniform and physical fitness

uniforms will not be worn. Wearing the Army uniform at any other time, or for any other purpose

than stated above, is prohibited.

c. Retired Soldiers are prohibited from wearing Army uniforms:

• When furthering any political or commercial interests, or when engaged in civilian employment.

• When participating in public speeches, interviews, picket lines, marches, rallies, or public 

demonstrations.

• When attending any meeting or event that is a function of, or is sponsored by, an extremist 

organization.

• When wearing the uniform would bring discredit upon the Army.

• When specifically prohibited by Army regulations.

• When not on active duty but acting as an instructor or responsible for military discipline at an 

educational institution, unless the educational institution is conducting courses of instruction 

approved by the Armed Forces.

d. All persons wearing the Army uniform will wear awards, decorations, and insignia in the same manner 

as prescribed for active duty Soldiers. On the blue service and dress uniforms, Retired Soldiers will

wear the retired service ID badge and may wear the combat service ID badge if they were authorized

wear of the Shoulder Sleeve Insignia – Former Wartime Service while on active duty. 

e. Retired personnel on active duty will wear their uniform and insignia in the same manner as prescribed 

for personnel in the Active Army of corresponding grade and branch.
15

f. Retired personnel not on active duty may wear either the uniform reflecting their grade and branch on 

the date of their retirement, or the uniform prescribed for personnel in the Active Army of corresponding 

grade and branch, when appropriate, but may not mix the two uniforms. Personnel will wear the grade as 

shown on the retired grade of rank line on their retirement order. Personnel who will be advanced to a 

higher grade upon retirement have the option of wearing the insignia of that grade thereafter.

g. Retired Soldiers are authorized to wear military medals on appropriate civilian clothing. This includes 

clothes designed for veteran and patriotic organizations on Veteran’s Day, Memorial Day, and Armed 

Forces Day, as well as at formal occasions of ceremony and social functions of a military nature. 

Personnel may wear either full-sized or miniature medals. Personnel who wear medals on civilian clothes 

should place the medals on the clothing in approximately the same location and in the same manner as 

for the Army uniform, so they look similar to medals worn on the Army uniform.

h. Retired Soldiers are authorized to wear the physical fitness uniform:

(1) With civilian attire off the installation.

(2) When wearing the physical fitness uniform as a complete uniform, Retired Soldiers will follow 

the guidance in AR 670-1 par. 21-3f.

i. The guidance above is summarized from Army Regulation 670-1, Wear and Appearance of Army 

Uniforms and Insignia, and Department of the Army Pamphlet 670-1, Guide to the Wear and Appearance 

of Army Uniforms and Insignia.

Retired insignia may be purchased at www.shopmyexchange.com or any installation military clothing 

sales store.

3-10. Decorations and Awards.

a. Retired Soldiers who have not received the awards to which they are entitled, or who desire 

replacement of items previously issued which were lost, destroyed, or unfit for use without fault or neglect 

on their part, may obtain these items by writing to National Personnel Records Center ATTN: Army 

Reference Branch, 1 Archives Drive, St. Louis, MO 63138–1002 or by calling toll-free 1-866-272-6272; or by 

going online to http://vetrecs.archives.gov. 

b. The original issue of all decorations and service medals is made without cost to the Retired Soldier. 

Replacements are made at cost. The request for replacement of awards should include an explanation 

of the circumstances surrounding the loss. No money should be mailed for replacements until instructed 

to do so. Awards and miniatures may be purchased through the AAFES Military Clothing Sales or online shopping at https://www.shopmyexchange.com/.

c. The Department of Army is not involved in the issuance or replacement of foreign decorations. 

Retired Soldiers who have earned military decorations from a foreign nation must apply to that country’s 

embassy directly for issue or reissue.

3-11. Legal Assistance. Most military installations have legal assistance attorneys who are available 

for consultation and assistance on personal legal problems of a civil nature. This assistance is available 

to Retired Soldiers and their eligible Family members. Assistance is not given in connection with matters 

relating to business pursuits. To find the closest legal assistance office, use the Resource Locator on 

MyArmyBenefits or visit http://legalassistance.law.af.mil/content/locator.php. 

3-12. The Department of Veterans Affairs.

a. Retirement is considered the same as discharge or relief from active duty for purposes of eligibility for 

Department of Veterans Affairs (VA) benefits. 

b. VA has regional offices and centers throughout the United States, the Commonwealth of Puerto Rico, 

and the Republic of the Philippines. For information or assistance concerning VA benefits, contact the 

nearest VA office. Residents of foreign countries should contact the nearest American Embassy or 

Consulate. Toll-free telephone service (1-800-827-1000) is available in all 50 States. 

c. Publications describing benefits administered by VA may be obtained at no cost from the nearest VA 

office or online at http://www.va.gov.
16

3-13. Army Emergency Relief. 

a. Army Emergency Relief (AER), established in 1942, is a private, nonprofit organization dedicated 

solely to helping the Army take care of its own. AER provides three types of financial assistance to 

Retired Soldiers, their Families and survivors:

1) Emergency assistance to Retired Soldiers and their Families who are faced with a valid emergency 

often involving essentials of everyday living.

2) Assistance to spouses and orphans of deceased Soldiers based on an emergency, a sustaining 

need, or for special one-time needs.

3) Scholarship assistance to unmarried dependent children and spouses of Retired Soldiers.

b. Upon retiring from the Army, some benefits enjoyed as a Soldier may be curtailed or even eliminated; 

however, this is not the case with AER. Army Retired Soldiers will continue to enjoy the same entitlements 

as when on active duty. This eligibility applies to all Retired Soldiers and includes those placed on 

Temporary Disabled Retired List (TDRL) or Permanent Disabled Retired List (PDRL) for medical reasons. 

U.S. Army Reserve and National Guard Soldiers obtain eligibility upon the commencement of retired pay. 

c. AER provides financial assistance to the widows of Soldiers who die on active duty or after retirement. 

Generally, entitlements such as SBP, DIC, social security, or individual insurance will not commence until 

30-90 days after the death of a Retired Soldier. AER will provide financial assistance to widows for “routine 

or normal” monthly expenses while awaiting the start of their entitlements. This assistance is provided as a 

grant. 

d. There are currently 75 AER sections located on U.S. Army installations worldwide that Retired Soldiers 

can contact to obtain financial assistance. AER also maintains a reciprocal agreement with the Air Force 

Aid Society, Coast Guard Mutual Assistance and Navy-Marine Corps Relief Society that allows Retired 

Soldiers and their Family members to request AER assistance through any military installation with a 

military relief society office. Those Retired Soldiers not located near an Army installation may contact the 

American Red Cross Call Center at 1-877-272-7337 for assistance in processing an application to AER. 

e. The AER Annual Campaign is conducted Army-wide from 1 March to 15 May. Contributions from 

Retired Soldiers may be sent to the nearest installation AER office or to: AER, 2530 Crystal Drive, Suite 

13161, Arlington, VA 22202. Retired Soldiers may also request that contributions be made via an 

allotment from his or her retired pay or by credit card at www.aerhq.org.
17

CHAPTER 4: EMPLOYMENT RESTRICTIONS

4-1. Standards of Conduct.

a. Retired Soldiers should not engage in personal or professional activities that are incompatible with the 

standards of conduct expected of active duty personnel. 

b. It is not feasible to cover all the provisions of the UCMJ that restrict the activities of Retired Soldiers. 

Only the general context of the more important provisions is explained in this Handbook. If there is any 

doubt as to whether or not a Retired Soldier may be in violation of a particular law by accepting 

employment with the federal government or with a firm doing business with the government, advice on 

the matter should be obtained from the nearest installation Designated Agency Ethics Official (DAEO) or 

from the nearest military legal office.

4-2. Employment in DOD. 

a. Employment Restrictions. There are several employment restrictions that apply to Soldiers after 

retirement. These restrictions are covered in DOD, Joint Ethics Regulation, 

http://www.dod.mil/dodgc/defense_ethics/ethics_regulation/; and at mandatory pre-retirement briefings. 

You are urged to contact a DAEO before accepting post-retirement employment. After Dec. 23, 2016, 

retired military members may only be appointed to federal civil service positions in the Department of 

Defense during the 180 days immediately after retirement if the minimum rate of basic pay for the 

position has been increased under 5 U.S.C. 5305 or a waiver has been approved

b. Extension of Veterans’ Preference. The Fiscal Year (FY) 2006 National Defense Authorization Act 

(NDAA) contained two provisions that extend Veterans’ preference rights to Operation Iraqi Freedom 

(OIF). The first provision gives preference to those who served on active duty beginning September 11, 

2001 and ending at the close of OIF. The second provision clarifies Veterans’ preference eligibility for

federal hiring as available to individuals “who are discharged or released from active duty service”, 

provided they meet other eligibility requirements. This new language replaces “individuals separated 

from the armed forces.” Learn more about this provision at: http://archive.opm.gov/news/Veteranspreference-extended-to-operation-iraqi-freedom-servicemen-and-women,1024.aspx or by contacting the 

Office of Personnel Management at: https://www.opm.gov/.

4-3. Business Activities.

a. Generally speaking, there is no provision of Federal law that prevents Retired Soldiers from being 

employed by a domestic corporation or other concern doing business with or rendering services to the 

U.S. Government. There are no restrictions on the amount of compensation received from private 

employment, nor does the receipt of salary from a private firm have any effect on the amount of retired

pay received.

b. Retired RA officers are prohibited, within two years after retirement, from representing any person in 

the sale of anything to the Army. The prohibition includes sales to non-appropriated fund activities under 

the control of the Department of the Army as well as to the Army and Air Force Exchange Service. It 

extends to any part of the sales process that involves contacts with representatives of the Department of 

the Army even though the goods or services involved are formally procured or utilized by some other 

agency of the Government. The statute prohibits only representation of others; it does not bar retired RA 

officers from selling to the Department of the Army upon their own behalf and solely for their own benefit.

c. Selling, for the purposes of the provisions discussed above, is defined as--

(1) Signing a bid, proposal, or contract.

(2) The Comptroller General has adopted the position that pre-contract contacts between retired officers 

representing companies selling to the Government and officials of DOD agencies should be viewed as 

within the sales prohibition unless clearly shown to be for some other purpose. Further, the fact that the 

sales contact was unsuccessful in a particular case does not afford any basis for ignoring its purpose.

d. The Department of the Army considers it the responsibility of the individual officers to avoid violation 

of Federal law and regulations, and to determine those activities that they may legally pursue without 

jeopardizing the rights and benefits of their retired status. The Defense Finance and Accounting Service 

- Cleveland Center (DFAS-CL) will advise retired personnel concerning the propriety of various proposed 

activities. Questions submitted to DFAS-CL for advisory opinions should involve concrete situations and 

not hypothetical questions. The facts of each case should be fully disclosed with as much detail as 

possible. 
18

Furthermore, the field of law with which this Handbook deals is subject to frequent change by legislation 

and administrative decisions by the Comptroller General of the United States. At any time, the restrictions 

discussed might be narrowed or broadened by congressional action or administrative interpretation.

4-4. Employment by Foreign Governments and Concerns.

a. The Constitution prohibits retired military (officer and enlisted) from working for foreign governments 

without Congressional consent.

b. This applies to corporations owned by foreign governments, but not to independent foreign companies. 

Additionally, Retired Soldiers may work as independent consultants to foreign governments.

c. Military Retired Soldiers who want to accept employment with a foreign government are required by 

law (Title 37, U.S. Code §908) to have prior approval of the Secretary of State and the Secretary of their 

military service. Acceptance of employment without this approval subjects a member's retired pay to 

reduction or forfeit by the amount received from the foreign government. The following information must 

be provided in an application to work for a foreign government:

1) Name of the company and foreign country. 

2) Title of position with brief description of duties. 

3) Statement that you will or will not receive compensation for duties performed, with explanation if 

applicable. 

4) Statement that you are unaware of any reason why such employment would be inadvisable or 

reflect unfavorably on the United States. 

5) Statement if foreign citizenship is required or planned. 

6) Extent of foreign government control and a statement you will not be required to execute an oath 

of allegiance to the foreign government concerned. 

7) Statement that you understand withholding of retired pay equal to the amount received from the 

foreign government may occur if you accept employment prior to receiving the required approval.

d. If a Retired Soldier's approved foreign government employment changes materially, either by a 

substantial change in duties specified in the approved application or by a change of employer, the 

Retired Soldier must request further approval, following the same procedures as in the initial request.

e. Any Retired Soldier who accepts civil employment with a foreign government without the required 

approval is subject to having retired pay withheld in an amount equal to the amount received from the 

foreign government. This withholding is in addition to any other penalty that may be imposed under law 

or regulation.

4-5. Representing Interests Contrary to the United States.

a. Retired commissioned and warrant officers of the Regular Army, may not, within two years after 

retirement, act as agents or attorneys for the prosecution of any claim against the United States involving 

the Department of the Army, or assist in the prosecution of such a claim. Further, they are permanently 

prohibited from prosecuting, or assisting in the prosecution of, any claim against the United States 

involving any subject matter with which they were directly connected while on active duty.

b. All retired commissioned and warrant officers are permanently barred from acting as representatives 

or agents for anyone other than the United States in connection with any claim, contract, or other 

particular matter in which the United States is a party, or has a direct interest, and in which they 

participated personally and substantially while on active duty. Further, they are prohibited, within two 

years after retirement, from appearing personally before any court, department, or agency of the United 

States as representatives or agents for anyone other than the United States in connection with any 

particular matter involving a specific party in which the United States is a party or directly interested, and 

which was under their supervisory or official responsibility, during their last year of active duty.

c. For one-year after terminating official responsibilities with the government any person who had 

personally and substantially participated in any ongoing trade or treaty negotiations, may not knowingly 

represent, aid or advise any other person concerning such ongoing trade or treaty negotiations.
19

d. Those persons who are interested in appearing as representatives before the Department of the Army 

or any of its agencies in matters involving claims against the United States, or matters which lead to the 

formal presentation of claims, should become familiar with all Army Regulations which deal with filing 

notices of appearance. Copies of Army regulations are available for examination online at: 

http://www.apd.army.mil/.

4-6. Political Activities. 

a. There are no statutes or regulations which prohibit retired military personnel from supporting political 

parties or becoming candidates for public office. The use of military titles by retired officers with respect 

to politics is permissible provided the usage does not bring discredit upon the Department of the Army or 

the Department of Defense. Retired personnel may accept positions within the organization of political 

parties. The Hatch Act is not considered applicable to retired officers who hold no other Federal 

positions. https://osc.gov/Pages/HatchAct.aspx. 

b. DOD policy states that members of the Armed Forces (including retired members) may not wear the 

military uniform during or in connection with furthering political activities that could give the impression 

that there was official sponsorship for the activity, 

http://www.dtic.mil/whs/directives/corres/pdf/133401p.pdf.

c. Retired RA commissioned officers who use contemptuous words in speech or print against the 

President, the Vice President, members of Congress, the Secretary of Defense, the Secretary of a 

military department, the Secretary of the Treasury, or the Governor or Legislature of any State are 

subject to trial by courts martial under the Uniform Code of Military Justice (UCMJ).

d. These comments should be considered as advisory in nature only. Definitive opinions and 

determinations in this area may be made only by the Attorney General of the United States and by 

Federal courts.

4-7. Submission of Written Material for Review.

a. Retired Soldiers are not required to submit writings and public statements on military subjects to the 

Department of the Army for official clearance. However, this does not modify any official regulations 

issued for safeguarding classified information. Retired Soldiers are personally responsible for insuring 

that the information they release or make available for release to the public is consistent with national 

security policy. If in doubt as to whether the material prepared for publication may violate security 

regulations, the Retired Soldier may submit it for review to the Chief of Public Affairs, Department of the 

Army, Washington, DC 20310.

b. Retired Army personnel holding civilian positions within DOD or the military services are subject to the 

same controls on their public writing and/or speaking, whether official or unofficial, as other civilian 

employees.

4-8. Security Program.

a. Retired Soldiers have a continuing responsibility to safeguard classified information of which they 

have knowledge. At the time of retirement, each member having access to classified information is given 

an oral debriefing and is required to sign a security termination statement. A copy of the signed 

statement is filed as a permanent record in the individual's military personnel folder. A Retired Soldier 

who violates the espionage or internal security laws through unauthorized disclosure is subject to 

prosecution, fine, imprisonment, or in some cases, death.

b. In addition, if the individual had access to classified information they must complete the debriefing 

portion of the SF312. The statement that they sign is:

 “I reaffirm that the provisions of the espionage laws, other federal criminal laws and executive orders 

applicable to the safeguarding of classified information have been made available to me; that I have 

returned all classified information in my custody; that I will not communicate or transmit classified 

information to any unauthorized person or organization; that I will promptly report to the Federal Bureau 

of Investigation any attempt by an unauthorized person to solicit classified information, and that I (have) 

(have not) (strike out inappropriate word or words) received a security debriefing.”
20

4-9. Conversion of Security Clearance.

a. Retired Soldiers who are considering employment with a cleared Defense contractor in a position 

requiring access to classified defense information may find the following of value: The DOD Industrial 

Security Regulation (DOD 5220.22-R), contains the provisions for the conversion of security clearances 

held while on active duty to industrial security clearances. It is important that the Retired Soldiers

understand that this provision is only for contract employment. If an individual retiring from the military 

only has a SECRET clearance from a NACLC investigation they will be required to complete a new 

investigation for Civilian Employment (appropriated/non appropriated).

b. A request for conversion of a security clearance is honored if submitted within 18 months after 

retirement for retired military personnel of any grade with 19 or more years of Federal service; and 12 

months for military personnel separated or retired from active Federal service. The rule is 24 months 

after separation regardless of retirement or standard separation.

c. Contractors employing personnel eligible for conversion of security clearances may request 

clearances to the level required in the assignment of their duties by submitting one copy of Standard 

Form (SF) 86 , Personnel Security Questionnaire, available at:

https://www.opm.gov/forms/pdf_fill/sf86c.pdf, and a duplicate of your DD Form 214, Certificate of 

Release or Discharge from Active Duty, to the Defense Industrial Security Clearance Office, P.O. Box 

2499, Columbus, OH 43216. The purpose of this questionnaire is for identification only, and can be

obtained from the employer. All requests for industrial security clearances must be submitted by the 

employing contractor and not by the individual concerned.
21

CHAPTER 5: MILITARY RETIRED PAY AND SPECIAL COMPENSATIONS

5-1. Overview. 

Military retired pay is NOT a pension, nor is it an annuity. It is not awarded as a vested interest or 

contractual right. It is reduced compensation for reduced services. Retired pay for length of service 

ranges from 40 to 100 percent (or more) of basic pay for certain categories of Soldiers. Additional 

information is available from installation Retirement Services Officers (RSO), from the Army’s Retirement 

Services Office Web site, https://soldierforlife.army.mil/retirement/rso, and from the Defense Finance & 

Accounting Service (DFAS) Web site, http://www.dfas.mil/. Several noteworthy special compensations 

have been approved by Congress over the past several years, and are highlighted in this chapter.

5-2. Computation of Retired Pay.

a. There are various provisions of law under which the computation may be made, but retired pay is 

generally computed either on length of service or on a percentage of disability. If you are retired for 

disability, you may elect to have your pay computed by either method.

b. There are three retired pay plans currently. The usual formulas for computing retired pay are as 

follows, based on your Date of Initial Entry into Military Service (DIEMS) date:

(1) Final Pay. Applicable to those whose DIEMS is before September 8, 1980. Retired pay is 

computed based on length of service by multiplying the basic monthly pay for the Soldier's retired grade 

at the time of retirement by the years of creditable service at the rate of 2.5 percent for each whole year 

of service and 1/12th of 2.5 percent for each whole month of service that is in addition to each year of 

service.

(2) “High-36” (or “High-3”). Applicable to those whose DIEMS is between September 8, 1980 and July 

31, 1986. Compute retired pay using the formula in (1) above, except use the average basic pay for your 

three highest earnings years (36 highest months) rather than final basic monthly pay. DFAS-CL will 

make final determination on the three highest years (36 highest months) to be used. They will then 

calculate the average, and use it to determine your retired pay. 

Note: For those whose DIEMS is before 1 August 1986, compute retired pay based on disability 

by multiplying the basic monthly pay (or highest 3 years of basic pay) by the percentage of disability, or 

by using the formula in 5-2b(1) or (2), whichever results in a greater amount.

(3) “CSB/REDUX”. Applicable to those whose DIEMS is on or after 1 August 1986, except those 

retiring under Chapter 61 of Title 10, United States Code, http://codes.lp.findlaw.com/uscode/10/A/II/61

(for disability), and those retiring from the Reserves (eligible for retired pay at age 60). Soldiers electing 

at year 15 to accept a $30,000 Career Status Bonus (CSB) and become subject to the REDUX retired 

pay plan, will have their retired pay calculated by multiplying the average basic pay for their three highest 

earnings years (36 months) by 2.5 percent for each year of creditable service, minus 1 percent for each 

year less than 30 years of service. Cost of Living Adjustments (COLA) for retired pay are given annually 

based on the increase in the Consumer Price Index (CPI), a measure of inflation. Under REDUX, the 

COLA is equal to CPI minus 1%. A feature unique to REDUX is a re-computation of retirement pay at 

age 62. Two adjustments are made. The first adjusts the multiplier to what it would have been under 

High-36. For example, a 20-year Retired Soldier's new multiplier would become 50%, a 24-year Retired 

Soldier's multiplier would become 60% but a 30-year Retired Soldier's would remain 75%. This new 

multiplier is applied against the individual's original average basic pay for his or her highest 36 months.

Then the second adjustment is made. Full CPI for every retirement year is applied to this amount to 

compute a new base retirement salary. At age 62, the REDUX and High-36 retirement salaries are 

equal. But, REDUX COLAs for later years will again be set at CPI minus 1%. While the $30,000 Career 

Status Bonus may seem like an incentive now, it is important to be aware of the effects electing to retire 

under CSB/REDUX will have on your retired pay. The last day of eligibility for the CSB Retirement 

option will be 31 December 2017.

c. Basic monthly pay is the base pay of the grade and rank in which the member was retired or was later 

advanced to on the retired list.
22

d. Effective with retirements on or after January 1, 2007, the 75 percent cap for 30 years (or more) of 

service was removed. Retired pay may now exceed 100 percent of the basic monthly active duty pay for

certain categories of Soldiers. This provision does not apply to Soldiers who are retired for disability 

(Chapter 61, 10 USC). Soldiers on the Temporary Disability Retired List (TDRL) will receive no less than 

50 percent of their basic pay or average high three earnings years. 

e. Per the 2007 NDAA, effective April 1, 2007, additional pay milestones were put in place for service up 

to 40 years. 

5-3. Procedure for Payment.

a. Retired Soldiers, except those recalled to active duty and entitled to active duty pay and allowances, 

and those who elect to waive all their pay in favor of VA compensation or a civil service retirement 

annuity, should have their retired pay electronically transferred to their financial institution. It is payable 

on the first business day of each month. Retired pay is administered by Defense Finance & Accounting 

Service—Cleveland Center (DFAS-CL).

b. International Direct Deposit (IDD) is available to U.S. military Retired Soldiers living in eligible locations 

overseas. Nations chosen for IDD eligibility have met the requirements of the Federal Reserve Bank. 

Simply put, the banks and other financial institutions in those countries provide secure and trustworthy 

services and have systems compatible with transferring funds from the U. S. to your account. In many 

ways, IDD is much more secure than receiving your pay by paper check. Mailed checks can be subject to 

loss, misrouting or theft. Funds transferred through IDD are sent encrypted and arrive safely at your bank. 

As more countries become eligible, affected Retired Soldiers will be notified. For more information, 

contact DFAS-CL at 1-800-321-1080, or go online to: http://www.dfas.mil/retiredmilitary/manage/idd.html.

c. DFAS-CL will mail a Retiree Account Statement (RAS) when an account is established and then, 

typically only when a change in retired pay occurs, http://www.dfas.mil/retiredmilitary/manage/ras.html.

An IRS Form 1099-R is provided each January for your use in filing income tax returns, 

http://www.dfas.mil/retiredmilitary/manage/taxes/getting1099r.html. The most convenient way to view, 

print and save your latest RAS is on myPay. myPay makes your RAS available 24 hours a day as well 

as tax statements and other pay account information.

d. To make changes in retired pay, you should advise DFAS-CL before the 10th day of the month prior to 

the month of payment. Changes received after the 10th may not be made until the following month. All 

change requests must contain the Retired Soldier’s signature and SSN. Requests for changes can be 

Faxed to DFAS-CL at 1-800-469-6559, or made using the myPay system, 

https://mypay.dfas.mil/mypay.aspx.

e. Retired Soldiers who waive all retired pay in favor of receipt of VA disability compensation will be paid 

by the VA. Retired Soldiers who waive a portion of their retired pay to receive an equal amount of taxfree VA disability compensation will receive monthly payments from both VA and DFAS-CL. Additionally, 

some Retired Soldiers who waive retired pay may receive one of the following special compensation 

payments from DFAS-CL: 

1) Combat-Related Special Compensation, or CRSC, 

http://www.dfas.mil/retiredmilitary/disability/crsc.html; or 

2) Concurrent Retirement and Disability Payments, or CRDP, 

http://www.dfas.mil/retiredmilitary/disability/crdp.html. 

(CRSC and CRDP are covered in more detail later in this chapter.)

5-4. Method of Payment.

The Department of the Treasury requires all payments from DFAS be made by Electronic Fund Transfer 

(EFT). By enrolling you eliminate the possibility of a lost or stolen check, reduce the opportunity for 

identity theft, and receive your payment in a more timely and efficient manner. With direct deposit, DFAS 

sends your payment straight to your bank account. It gives you immediate access to your money the day 

your payment is due. If you want to continue receiving paper checks, you must apply for a waiver. You 

can find further details about the conditions under which the Treasury will grant a waiver, as well as a link 

to the form required to apply for a waiver, http://www.dfas.mil/mandatoryeft/waiverapplications.html. 
23

5-5. Retired Pay Mailing Address.

a. There are three ways you can update your mailing address. 

• myPay - the quickest and easiest way to update your mailing address is to use myPay

https://mypay.dfas.mil/mypay.aspx. If you have trouble logging in to myPay, use the 

troubleshooting instructions on myPay site or call 888-332-7411.

• Fast Form - Fast Forms are electronic versions of DFAS paper forms. They save you money and 

time. 

• Paper Form - Complete a Retired Soldier Change of Address/State Tax Withholding Request 

(DD2866) and mail or fax it to:

For Retired Soldiers: For annuitants, beneficiaries and 

survivors

Defense Finance and Accounting 

Service

U.S. Military Retired Pay

8899 E. 56th Street

Indianapolis, IN 46249-1200

Fax: 800-469-6559

Defense Finance and Accounting 

Service

U.S. Military Retired Pay

8899 E. 56th Street

Indianapolis, IN 46249-1300

Fax: 800-982-8459

b. Failing to notify DFAS of a change of address or banking information can result in missing paymentssuspension of pay. Your retired pay will be suspended if DFAS has payment returned. By law, when a 

retired member is missing or there is no information concerning his or her whereabouts, the Retired 

Soldier’s account must be suspended. 

c. A request for a change of address must be made even when the Retired Soldier is in a non-pay status 

with DFAS-CL, or even when pay is deposited directly into a bank or financial institution. 

5-6. Increases in Retired Pay. 

Military retired pay usually receives an annual cost-of-living adjustment (COLA) effective December 1st

and payable in the January payment. All COLAs are reported in Army Echoes, and at: 

https://soldierforlife.army.mil/retirement/echoes.

5-7. Reports of Existence.

a. For the protection of the government, certain safeguards are required for retired paychecks mailed 

through the international postal system or payable to legal representatives of mentally incompetent 

members. The requirement to provide Reports of Existence (ROEs) can continue, or expand, if there is 

doubt as to the existence of an individual and it is deemed to be in the best interest of the Government to 

do so. 

(1) Competent Retired Soldier. When retired paychecks are delivered to the member through the 

international postal system to foreign countries, the Retired Soldier must furnish a ROE semi-annually. 

Checks mailed to an APO, FPO or a finance/disbursing officer at an overseas address do not require 

submission of a ROE. Checks will not be addressed to a U.S. Consulate, Embassy, or Military Attaché 

unless the Retired Soldier is employed by that particular agency.

(2) Mentally Incompetent Retired Soldier. Numerous Comptroller General of the United States decisions 

direct the filing of semi-annual ROE cards with DFAS-CL. The retired paycheck may be mailed to a legal 

representative or a financial institution established by the legal representative for the Retired Soldier 

(ward). 

b. The ROE card must be signed and submitted by the Retired Soldier or, in the case of incompetence, 

by a custodian, Trustee, guardian, legal fiduciary, or Power of Attorney. If the ROE is signed by a legal 

representative, for the first time, a photocopy of the legal document must to attached. 

5-8. Allotments from Retired Pay.

a. Retired Soldiers are permitted to continue allotments that they had in effect while on active duty 

except for Combined Federal Campaign donations, Servicemembers’ Group Life Insurance (SGLI), and 

deposits in the Veterans Educational Assistance Program (VEAP).
24

b. Retired Soldiers are authorized a maximum of six discretionary allotments. Examples of 

“discretionary” allotments include: premiums for health, auto, or life insurance; voluntary payments to a 

family member, former spouse or relative; deposits into a financial institution, mutual fund or investment 

firm; payment of an auto or personal loan, mortgage, rent, or consumer debts.

c. Retired Soldiers are authorized unlimited non-discretionary allotments. Examples of “nondiscretionary” allotments include a payment of delinquent federal, state or local taxes; repayment of Army 

Emergency Relief (AER) and Red Cross loans; and charitable contributions to the Armed Forces 

Retirement Home and AER.

5-9. Deductions from the Retired Pay of Participants in the Survivor Benefit Plan. 

Premium deductions for Survivor Benefit Plan (SBP) participation begin on the first day of the month 

following the date you are eligible for retired pay. The amount of the premium deduction is increased by 

the COLA that is applied to retired pay, at the same time and by the same percentage. The same COLA 

also applies to SBP when received as an annuity by a beneficiary. SBP premium deductions continue 

throughout the life of the Retired Soldier, except when (as applicable):

-- your Insurable Interest beneficiary predeceases you; or you elect in writing to terminate such coverage 

(permitted since October 5, 1994).

-- there is no eligible beneficiary.

-- you hold a service-connected disability rating of 100 percent for at least ten continuous years if such 

rating occurred subsequent to the date of retirement, or for at least five continuous years if awarded 

immediately upon date of discharge or release from active duty; and you withdraw from SBP with the 

written consent of your beneficiary.

-- you, with spouse concurrence, opt to discontinue SBP participation during the one-year period 

between the 25th and 36th month following commencement of retired pay. 

-- you make 360 monthly premium payments per category and level of coverage, and reach age 70, 

thereby achieving “paid-up” status -- where SBP premiums cease and an annuity remains payable. In 

enacting this law in 1998, Congress set the effective date as October 1, 2008.

5-10. Designation of Beneficiary for Final Pay (or Arrears of Pay).

a. At retirement, Retired Soldiers are given an opportunity to designate a beneficiary to receive their 

Final Pay, or Arrears of Pay (AOP). This is the amount of monthly retired pay payable between the last 

pay date and your date of death. 

b. The Retired Soldier is responsible to keep this beneficiary information updated with DFAS-CL. To 

change a beneficiary, the Retired Soldier can complete DD Form 2894 or submit a signed written 

request. The request must list the beneficiary's complete name, SSN, address, and relationship to the 

Retired Soldier. The statement must be signed and dated by the Retired Soldier and include your SSN 

and a witness's signature. If more than one beneficiary is designated, the percentage of final pay each 

designated beneficiary is to receive must be indicated.

c. Changes to the AOP beneficiary may be made at any time in writing to DFAS, U.S. Military Retired 

Pay, 8899 E 56th Street, Indianapolis IN 46249-1200; or by FAX to 1-800-469-6559. Include your SSN

in all correspondence with DFAS-CL - written or Faxed.

5-11. Garnishment of Pay.

a. Retired pay may be garnished for enforcement of a Retired Soldier's legal obligations to provide child 

support or make alimony payments. Upon receipt of a valid court order, DFAS-CL may use retired pay 

that is available, including any allotments from such pay, to satisfy the amount of the writ. The amount of 

the writ can include all retroactive amounts for which a Retired Soldier may be delinquent in child support 

or alimony payments. DFAS-CL will attempt to notify a Retired Soldier of any garnishment against retired 

pay. Only the Retired Soldier's disposable retired pay is subject to garnishment.

b. “Disposable” Retired pay is defined as the gross retired pay entitlement less:

(1) Amounts owed to the U.S. Government.

(2) Federal income taxes required or authorized by law. Additional amounts for tax withholding are 

considered only when the Soldier submits evidence of the tax obligation.

(3) State taxes, under certain conditions.

(4) Compensation deductions under Title 5 (Civil Service) or Title 38 (VA). 
25

(5) SBP or Retired Serviceman’s Family Protection Plan (RSFPP) premium deductions, regardless of 

the beneficiary.

c. The garnishment amount is limited to 50 percent of disposable pay if the Retired Soldier is supporting 

a second family, and 60 percent if the Retired Soldier is not supporting a spouse or dependent child. 

When a Retired Soldier is more than 12 weeks in arrears for support, the limitation is 55 percent if the 

Retired Soldier is supporting a second family, and 65 percent if the Retired Soldier is not supporting a 

second family. IAW DOD Financial Management Regulation Volume 7A, Chapter 41.

d. When DFAS-CL has been served with more than one legal process, money is available on a firstcome, first-served basis.

e. For information on division of retired pay as property in a divorce, see Chapter 12.

f. VA compensation can be garnished if the Retired Soldier waived all or part of their retired pay in order 

to receive such compensation from VA. All other VA compensation (e.g., pension, payments for serviceconnected disability, or death) may not be garnished.

5-12. Combat-Related Special Compensation (CRSC) 

CRSC Provisions - Effective June 1, 2003.

a. Combat-Related Special Compensation (CRSC) is a Department of Defense (DOD), not a U.S. 

Department of Veterans Affairs (VA), program under 10 U.S. Code § 1413a. CRSC restores military 

retired pay that is offset when a retiree accepts compensation from the VA for a disability or condition 

that can be directly linked to a combat-related event (as defined by the CRSC DOD program guidance). 

The CRSC benefit allows eligible retirees to concurrently receive an amount equal to or less than their 

length of service retirement pay and their VA disability compensation. If approved, it is a form of 

concurrent receipt paid monthly.

b. Eligible retiree categories include 20 or more years of service, medical retirement under Chapter 61, 

Temporary Early Retirement Act (TERA), and Temporary Disabled Retirement List (TDRL).

1. From June 1, 2003 to December 31, 2003 eligible members are military Retired Soldiers who 

have completed at least 20 years of service for retired pay computation (or equivalent reserve 

points, 7,200) and who either have at least a 10 percent disability based on combat injuries for 

which they have been awarded the Purple Heart, or who are rated as at least 60 percent 

disabled due to armed conflict, hazardous duty, training exercises, or mishaps involving military 

equipment. 

2. Effective January 1, 2004 through December 31, 2007 eligible members are military Retired 

Soldiers who have 20 or more qualifying years of service for retired pay computation (or 20 

qualifying years as a reservist) and who are rated as at least 10 percent disabled due to armed 

conflict, hazardous duty, training exercises, or mishaps involving military equipment.

3. Effective January 1, 2008 to current, the requirement to have 20 years of credible service for 

retired pay was removed. Retired Soldiers (including chapter 61 Retirees) are qualified to 

receive CRSC if they have a Combat-Related VA service connected disability rating of 10 

percent or higher and are drawing retirement pay, which is reduced by a VA waiver. In addition, 

the 2008 National Defense Authorization Act (NDAA) expands CRSC eligibility to cover those 

who were medically retired under Chapter 61, Temporary Early Retirement Act (TERA), and 

Temporary Disability Retired List (TDRL) Retired Soldiers with less than 20 years of service. 

Medical and TERA Retired Soldiers must still provide documentation that shows a causal link 

between a current VA disability and a combat related event.

c. Retirees must first meet all of the following criteria to be eligible to apply for CRSC:

1. Veteran must be retired and receiving military retired pay before applying for CRSC.

2. Veteran must have been awarded 10 percent or greater service connected disability percentage 

by the VA. The VA awarded condition MUST meet the definition of the combat-related (as 

defined by CRSC DOD program guidance).
26

3. Veteran must have a VA waiver (VA waiver Form 21-651, MAR 2005) in place for by-law 

reduction of military retired pay in amount of VA disability payment.

4. Veteran must have accurately completed and signed the CRSC application form (DD Form 2860, 

July 2011). You claim cannot be processed unless this step is completed.

d. Some examples of combat-related situations (and corresponding required proof) vs. noncombatrelated situations are as follows:

Situation Possible Combat-Related CRSC Required Proof Noncombat-Related

Simulating War

Must be contributed to 

“training for combat”

Tactical Road/Ruck 

Marches

• Medical documentation, 

15-6 investigation, etc. 

AT THE TIME OF 

EVENT, showing training 

site evacuation and 

connected to the claimed 

disability to the combatrelated evacuation.

• Documentation 

generated years after the 

claimed event (i.e.: 

Medical Retirement 

LODs DO NOT qualify.

PT Related Road Marches

Confidence Obstacle 

Courses Physical Fitness Training

Rappelling Training Battalion Run

Hazardous Service

Linked to specific incident

Flight Duty Military job related injuries 

not caused by a specific 

incident (i.e.: Assigned 

infantry, artillery, 

engineers, etc.)

Demolition Duty

Parachute Duty

Rappelling from military 

aircraft

Diving Duty

Instrumentality of War

Instrument must be used in 

military training

Military vehicle rollover 

during a convoy mission

Military sedan in civilian 

vehicle accident

Tanks, armored vehicles, 

etc.

Repairing military vehicle 

in maintenance setting

Ammunition and explosive 

devices

Improper use of 

pyrotechnics

Injuries sustained from 

weapons malfunction Off-post weapon incidents

Armed Conflict

Occurred in combat zone

Gunshot wound • Medical Documentation 

at the time of event 

connecting claimed 

disability to the combatrelated evacuation

• Valor Awards

• Purple Heart

• CAB/CIB/CMB

• Deployment Commander 

Statement

Service-related injuries in 

combat zone (i.e., aircraft 

emergency landing due to 

maintenance, repetitive 

motion injuries, non-direct 

combat related PTSD, etc.)

Shell fragment wounds / 

shrapnel

PTSD directly related to 

contact (direct or indirect) 

with the enemy

Aircraft shot down due to 

enemy fire

Sporting events / 

recreational activities in a 

Terrorist bomb hostile area

Presumptive

(Example: Gulf War, Agent 

Orange)

Linked to Agent Orange: 

Parkinson’s Disease, 

Congestive Heart Disease

and Diabetes Mellitus.

MUST be identified / 

Spelled out in the VA Code 

Sheet to qualify

Diseases by nature not 

considered Presumptive 

(stress-related heart 

disease, high blood 

pressure, etc. unless 

doctor indicates otherwise)

Linked to Gulf War: 

Irritable Bowel

Mustard Gas

1. CRSC applicants should note that an uncorroborated statement in a record that a disability is 

combat-related would not be considered determinative for purposes of meeting combat-related 

program standards; documentation verifying the cause of the disability is required.

2. Program reviews will determine which disabilities, if any, are combat-related or are the result of 

an injury for which the member was awarded a Purple Heart. Combat-related disabilities include 

those that are the direct result of armed conflict or from conditions that simulate combat, or that 

result from the performance of uniquely hazardous military duties, or caused by an 

instrumentality of war.

3. The program will make a combat-related presumption if VA disability compensation is specifically 

based on service-connected exposure to hazards, which are clearly combat-related, to include 

Agent Orange, Gulf War illnesses, radiation exposure, mustard gas and Lewisite. 
27

Post-Traumatic Stress Disorder (PTSD) requires engagement with the enemy (direct or indirect) 

combat-related documentation.

e. The Army CRSC program only determines eligibility for the program, the Defense Finance and 

Accounting Service (DFAS) determines and administers payment amounts. DFAS bases its payment 

calculations on the amounts equal-to or less-than the veteran’s length of service retirement pay and their 

VA disability compensation. For instance, a Specialist (E-4) medically retired with three years’ time-inservice would receive $175.00 or less per month in CRSC benefits. 

1. Payments equal the amount of VA disability compensation for combat-related disabilities, but are 

reduced for Retired Soldiers who retired from the Army under Chapter 61 (disability), whose 

retired pay exceeds what they would have received under a length of service retirement. 

2. Payments are limited to the amount of the retired pay offset that results from receipt of VA 

disability compensation.

3. Payments will be retroactive to the date approved by the Army CRSC program for all approved 

applications of those retired on or before the date of this law, to the extent otherwise allowed by 

law, providing the applicant is otherwise qualified. Title 31, U.S.C §3702 Six-Year Statute of 

Limitations, applies to CRSC retroactive payments.

f. At present, the CRSC program is experiencing a 10-month claims processing delay. Staffing 

constraints and volume of applications are the primary hindrance to claims processing; however, 

incomplete DD 2860 forms and/or failure to submit supporting documentation are also contributing to 

delays processing of a claim. The program is working several initiatives to shorten this wait time; 

however, the delay in decision will not penalize a veteran from receiving what (if any) is due. DFAS pays 

the veteran ALL tax-free back pay if they are eligible for the program and is due any compensation.

g. Military Retired Soldiers will be informed if their claim was approved, partially approved or denied plus 

the reasoning behind the decision. If denied, the veteran may reapply later but must provide the 

documented proof linking their CRSC claimed disability to a qualifying combat-related event. The 

program allows a maximum of three reviews of a claimed disability. If still denied after the third attempt, 

the program’s disapproval letter will direct the veteran to file their claim with the Army Board for 

Correction of Military Records (ABCMR) / Army Review Board Agency (ARBA). The letter will contain 

the ABCMR/ARBA address and contact information.

h. Army’s CRSC program office charged with processing CRSC claims is under the Special 

Compensations Branch (SCB), Army Personnel Records Division (APRD), The Adjutant General 

Directorate, Army Human Resources Command (AHRC). For more information on CRSC, visit the HRC 

website https://www.hrc.army.mil/content/CRSC, call toll free 1-866-281-3254 (Mon - Fri / 0800-1800 

hours) or email CRSC questions to askhrc.army@us.army.mil. Thank you for your service.

5-13. Concurrent Retirement and Disability Payments (CRDP). 

a. For over 100 years, military Retired Soldiers have been barred from concurrently receiving tax-free 

VA disability compensation and military retired pay. VA disability compensation use to offset military 

retired pay dollar-for-dollar. 

b. In the FY04 NDAA, Congress enacted a so-called Concurrent Receipt “compromise” law that grants

payment of full retired pay and full VA disability compensation to certain military Retired Soldiers. 

Concurrent Retirement and Disability Payments (CRDP) were phased in over a period of 10 years, which 

began January 1, 2004. 

c. Eligibility. Military Retired Soldiers who: (1) Retired for length of service, or if retired for disability 

(Chapter 61, USC), completed sufficient service to have retired for length of service; and (2) are rated by 

the VA as at least 50 percent service-connected disabled (“service-connected” is not necessarily 

“combat-connected”).
28

d. Phased-In Payments Methodology. 

(1) Beginning January 1, 2004, first-year additional amounts were paid to those rated 50-100 percent 

VA-rated. The monthly amounts ranged from $100 (for 50 percent) to $750 (for 100 percent).

(2) Transition years were 2005-2014, during which time, the amount of military retired pay that was 

offset by VA disability compensation gradually decreased until full restoration was accomplished in 

January 2014. 

 

(3) Chapter 61 disability Retired Soldiers who qualify for CRDP may still have a VA waiver equal to the 

difference between their disability retired pay computation and their years of service retired pay 

computation. 

e. A military Retired Soldier who receives Combat-Related Special Compensation (CRSC) cannot also 

receive CRDP, if otherwise qualified. DFAS-CL will conduct an annual one-month Open Season 

(typically in January) during which time a Retired Soldier who qualifies for both programs can opt to 

change the program under which he or she is paid. 

f. No application for CRDP is needed. VA and DFAS-CL databases are used to determine eligible 

Retired Soldiers, and payment is made.
29

CHAPTER 6: TAXATION OF RETIRED PAY

6-1. Withholding Tax Statement.

a. Retired pay, like other income, is subject to Federal income taxation unless wholly or partially 

exempted by statute. DFAS-CL computes the amount to be withheld from retired pay and withholds this 

amount. Every year, DFAS-CL will send you an Internal Revenue Service (IRS) Form 1099-R that shows 

all the taxable Retired pay paid and the amount of tax withheld during the calendar year. You can also 

conveniently access and print your own 1099-R using myPay, https://myPay.dfas.mil. It is typically 

available to you via myPay several weeks before a mailed copy.

b. If some or all of your military retired pay is tax-free, due to retirement for disability, an IRS Form 1099-

R will not be issued. Retired Soldiers are not required to report tax-free income. 

c. Some Retired Soldiers who retired for disability and receive pay based on their disability percentage 

may have gross retired pay that is not subject to Federal Tax Withholding (see 6-3 for more information).

d. If a Retired Soldier is not a citizen of the United States and does not reside in the United States, IRS 

Form 1099-R will not be furnished. Nonresident alien tax will be withheld from a Retired Soldier's retired 

pay instead, and he or she will be informed at the end of each calendar year as to the amount withheld.

e. Taxable income from retired pay does not include SBP premiums. For example, if a Retired Soldier's 

non-disability retired pay is $36,000 a year and is reduced by $2,300 a year for SBP, only the reduced 

retired pay of $33,700 is reported to the IRS as taxable income.

f. For further details on SBP and tax issues, Retired Soldiers should consult a legal assistance attorney, 

a tax counsel, an official of the IRS, or State tax authorities.

6-2. Withholding Exemption Certificate.

a. The amount withheld from retired pay for income tax is determined from a wage bracket withholding 

table and is based on whether a Retired Soldier is married or single and the number of exemptions 

claimed. If a Retired Soldier does not submit a withholding exemption certificate Form W-4 or indicate 

marital status and the number of exemptions on the DD Form 2656, withholding tax will be based on 

single with zero exemptions. Changes can be made by submitting a Form W-4 to: DFAS, U.S. Military 

Retired Pay, 8899 E 56th Street, Indianapolis IN 46249-1200; or by Faxing it to 1-800-469-6559; or by 

using myPay at https://mypay.dfas.mil/mypay.aspx. 

b. If a Retired Soldier or spouse reaches age 65 during the calendar year, or becomes blind, or if there is 

an increase in the number of dependents, credit may be gained for the additional exemptions by 

completing an IRS Form W-4 and mailing it to DFAS, U.S. Military Retired Pay, 8899 E 56th Street, 

Indianapolis IN 46249-1200; or by Faxing it to 1-800-469-6559; or by using myPay at 

https://mypay.dfas.mil/mypay.aspx. IRS Form W-4 may be obtained from any office of the Director of 

Internal Revenue and most U.S. Post Offices; as well as from the IRS Web site, http://www.irs.gov/. The 

IRS requires the filing of a new IRS Form W-4 within 10 days of a decrease in the number of exemptions. 

6-3. Disability Retired Pay.

a. Either all or a part of disability retirement pay could be exempt from Federal income tax, depending on 

when the Retired Soldier entered active duty, the cause of the disability, and the method elected to 

compute retired pay.

b. The Tax Reform Act of 1976 made significant changes with respect to the tax-exempt status of 

disability retired pay for persons who first entered a uniformed service on or after September 24, 1975. 

For these persons, retired pay is tax-exempt only if all of it is based on the percentage of disability and 

the disability is the direct result of one of the following: armed conflict, extra-hazardous service, 

simulated war, or an instrumentality of war.

c. For persons who entered a uniformed service on or before September 25, 1975, all retired pay is taxexempt if it is all based on a percentage of disability. When retired pay is based on years of service, taxexempt is the portion of it equal to the amount the person would get if retired pay were computed solely 

on the basis of disability. The balance is taxable.

6-4. Concurrent Retirement and Disability Pay (CRDP):

CRDP is a restoration of retired pay for retirees with service-connected disabilities. It is taxed in the same 

manner as your retired pay, and it is normally considered taxable income. 
30

6-5. Combat Related Special Compensation (CRSC)

CRSC is a special compensation for combat-related disabilities. It is a tax free entitlement that you will be 

paid each month along with any retired pay you may already be receiving. 

6-6. Former Spouse Deductions:

The retiree is not liable for taxes on payments made to their former spouse. The Uniformed Services 

Former Spouse Protection Act defines community property payments established in accordance with a 

court order and approved by the DFAS legal department as pre-tax deductions.

6-7. VA Disability Compensation.

a. Disability compensation received from the VA is tax-exempt, but mere entitlement to the payment will 

not result in any tax savings until a formal waiver of equivalent retired pay, if applicable, is executed.

b. If retired for length of service or age, it may be to a Retired Soldier’s advantage to waive a part of 

taxable retired pay in favor of tax-free VA compensation. This is true also for those who entered a 

uniformed service on or after September 25, 1975, and retired for disability, since their disability retired 

pay is taxed. On the other hand, the disability portion of retired pay of a Retired Soldier who entered a 

uniformed service on or before September 24, 1975 is untaxed. Therefore, there would be no tax 

advantage gained by waiving military retired pay unless VA compensation exceeded the portion of the 

retired pay that is based on disability. For more information, go to: http://www.va.gov.

6-8. State Taxation of Retired Pay.

a. Some States exempt all or a portion of retired pay from income taxation, or have no State income tax. 

Some States exempt disability retired pay in the same manner as the Federal Government. In all States, 

disability payments received from VA and all Social Security payments are exempt from taxation. Few 

states, if any, permit a retirement income credit of the type granted by the Federal Government. To learn 

which states tax retired pay or how much of retired pay is taxed, visit the MyArmyBenefits State fact 

sheets at http://myarmybenefits.us.army.mil/Home/Benefit_Library/State__Territory_Benefits.html. 

b. State income tax, where applicable, is not withheld from retired pay unless a state has entered into an 

agreement with DOD to permit finance centers to withhold State income tax. Retired Soldiers who do not 

currently have State tax withheld from retired pay, but wish to have it withheld, may request it by signed 

letter to DFAS-CL. Include your SSN in all correspondence with DFAS-CL. In the letter, state the 

amount of tax you want withheld and the State to which it should be paid. The amount must be in whole

dollar amounts with a minimum request of $10. 

6-9. The Affordable Care Act Tax Information.

In January 2016, DFAS began providing Retired Soldiers and annuitants IRS Form 1095-C which is 

necessary when filing the federal income tax return. Like your other tax and pay statements, the new 

forms will be available in your myPay account when they are released (no later than Jan. 31, 2016). For 

more information, see http://www.dfas.mil/taxes/aca.html

6-10. Additional Information

The IRS or tax authorities of the State government concerned make determinations in each individual tax 

case. Answers to Federal tax questions may be obtained from the District Director of the IRS. Answers 

to State tax questions may be obtained from appropriate State officials. Tax Information is also available 

online at: (Federal), http://www.irs.gov/; and (State) https://www.1040.com/tax-tools/forms-publications.
31

CHAPTER 7: MEDICAL CARE 

7-1. Military Treatment Facilities (MTFs)

a. Additional information is available at the Army’s Retirement Services Web site 

https://soldierforlife.army.mil/retirement/preretirement; click on the RSO Pre-Retirement Counseling 

Guide. More detailed information on Retired Soldier healthcare can be obtained from the TRICARE Web 

site http://www.tricare.mil.

b. Subject to the availability of space, facilities and the capabilities in MTFs, Retired Soldiers and their 

eligible family members may receive the following: 

(1) Hospitalization 

(2) Outpatient care 

(3) Drugs 

(4) Treatment of medical and surgical conditions 

(5) Treatment of nervous, mental, and chronic conditions 

(6) Treatment of contagious diseases 

(7) Physical examinations, including eye examinations, and immunizations 

(8) Maternity and infant care 

(9) Diagnostic tests and services, including laboratory and x-ray examinations 

(10) Ambulance service and home calls when medically necessary

(11) Durable equipment, such as wheelchairs and hospital beds may be loaned 

c. The following care is not authorized:

(1) Domiciliary or custodial care 

(2) Prosthetic devices, hearing aids, orthopedic footwear, and spectacles, except that --

 (a) Outside the U.S. and at stations inside the U.S. where adequate civilian facilities are unavailable, 

such items may be sold to eligible Family members at cost to the U.S. and 

 (b) Artificial limbs and artificial eyes may be provided 

(3) The elective correction of minor dermatological blemishes and marks or minor anatomical anomalies 

d. For purposes of this chapter, an eligible family member is:

(1) A spouse 

(2) An un-remarried widow(er) 

(3) An unmarried biological child, including an adopted child or a stepchild (if parent and sponsor are 

married), who either--

 (a) Has not passed his or her 21st birthday; 

 (b) Is incapable of self-support because of a mental or physical incapacity that existed before that 

birthday and is, or was at the time of the Retired Soldier's death, dependent on the Retired Soldier for 

over one-half of his/her support; or 

 (c) Has not passed his/her 23rd birthday, is enrolled in a full-time course of study in an institution of 

higher learning approved by the Secretary of the Army and is, or was at the time of the Retired Soldier's 

death, dependent upon the Retired Soldier for over one-half of their support. 

(4) A parent or parent-in-law who is, or was at the time of the Retired Soldier's death, dependent on the 

Retired Soldier for over one-half of their support and was residing in the Retired Soldier's household; 

(5) The un-remarried former spouse of a Retired Soldier who –

 (a) on the date of the final decree of divorce, had been married to the Retired Soldier for a period of 

at least 20 years during which period the Retired Soldier performed at least 20 years of service creditable 

in determining the Retired Soldier's eligibility for retired pay, and 

 (b) does not have medical coverage under an employer-sponsored health plan; 

(6) A person who --

 (a) is the un-remarried former spouse of a Retired Soldier who performed at least 20 years of service 

creditable in determining the Retired Soldier's eligibility for retired pay, and on the date of the final decree 

of divorce or dissolution before April 1, 1985, had been married to the Retired Soldier for a period of at 

least 20 years, at least 15 of which, but less than 20 of which, were during the period the Retired Soldier 

performed service creditable in determining the Retired Soldier's eligibility for retired pay, and 

 (b) does not have medical coverage under an employer-sponsored health plan; and 

(7) A person who would qualify as an eligible family member under paragraph (6) above but for the fact 

that the date of the final decree of divorce or dissolution is on or after April 1, 1985, except that the term 

does not include the person after the end of the one-year period beginning on the date of the final 

decree.
32

7-2. TRICARE

a. Through TRICARE, military families have one of the best health plans in the country. TRICARE offers 

three plan options: TRICARE Standard, TRICARE Extra and TRICARE Prime; including U.S. Family 

Health Plan, and TRICARE for Life (TFL), for those entitled to Medicare Part A and have Medicare Part 

B. TRICARE shares the cost of care provided by civilian hospitals/doctors when care cannot be obtained 

at a military hospital/clinic. There are, however, certain things Retired Soldiers need to know about 

TRICARE. 

b. TRICARE is intended to supplement benefits received; it does not duplicate benefits. The most 

comprehensive and lowest cost care is available from medical treatment facilities. In addition, TRICARE 

recognizes different categories of eligible persons, for whom available benefits and costs vary.

c. TRICARE health plans available for Retired Soldiers (collecting retirement pay) are Prime, Standard 

or TFL. TRICARE Retired Reserve is a program for retired reservists not yet 60 years of age and in 

receipt of retired pay. TRICARE Prime Remote is not available. TRICARE Prime is only available to 

Retired Soldiers and their family members living in or within 100 miles of a Prime Service Area (PSA). 

See http://www.tricare.mil/Prime for more information.

d. TRICARE is a premium-free, entitlement; however, depending on what type of coverage, Retired 

Soldiers must pay enrollment fees, annual deductibles and cost shares, or in the case of TRR; monthly 

premiums. For additional information on costs, visit http://www.tricare.mil/costs.

e. Because TRICARE does not pay the total cost of civilian medical care, enrolling in an employer 

sponsored health insurance program or purchasing a TRICARE supplement may be advisable. 

TRICARE supplements may be obtained from most military Service associations. Please note that some 

of the TRICARE Supplements have a pre-existing period where coverage may be limited for a time 

period. Be sure to ask when coverage will start and for a summary of the benefits provided.

f. TRICARE does not cover all health care. There are special rules or limits on certain care, and some 

care is not covered at all. To learn more about what is covered by TRICARE, visit 

http://www.tricare.mil/coveredservices.

g. TRICARE pays for medically necessary care and services that are provided at an appropriate level of 

care. Claims for services that do not meet this definition may be denied. 

h. All TRICARE-eligible persons must be registered in the Defense Enrollment Eligibility Reporting 

System before TRICARE claims can be paid. 

i. Get to know your Beneficiary Counseling and Assistance Coordinator (BCAC, formerly known as 

Health Benefits Advisors, or HBAs). Your BCAC’s job is to help you, the user of the military healthcare 

system, to include Retired Soldiers. There's a BCAC at each military hospital and at most clinics. Also, 

BCACs can provide you a copy of the latest TRICARE Standard handbook which provides more details 

about this part of the program (a copy can be downloaded at http://www.tricare.mil/). The TRICARE for 

Life handbook is available at http://www.tricare.mil/tfl To locate the nearest BCAC, call the information 

number at the local military base or hospital, or find a listing at: http://www.tricare.mil/bcacdcao/. 

j. TRICARE Overseas Program

(1) TRICARE Prime is not available for Retired Soldiers and their family members living overseas

(2) Retired Soldiers living/traveling overseas may be required to pay for their health care at the time 

of service and then submit a claim for reimbursement

(3) Beneficiaries are required to submit proof of payment for any beneficiary submitted claims for care 

received overseas

(4) Aeromedical evacuations from an overseas location to the United States is not cashless/claimless 

for Retired Soldiers; must be medically necessary; and to the closest place in the U.S. that can 

provide the needed care. *Aeromedical evacuations will not be reimbursed by TRICARE if the 

aeromedical evacuation was for the convenience of the patient or the patient’s family. 

*The nearest location that can provide the needed care may not necessarily be in the U.S. The 

nearest location may be another overseas location and TRICARE can only reimburse based on 

those conditions. Movement back to the U.S. may be what the family would prefer but would not 

meet the policy requirements
33

(5) When living or traveling overseas, Retired Soldiers should expect to pay for their health care up 

front and then submit a claim for reimbursement

More information is available at http://tricare.mil/Plans/HealthPlans/TSO.aspx

k. Getting care when traveling overseas:

(1) If enrolled in TRICARE Prime, TRICARE Prime Remote (TRICARE Prime Remote is not available 

to Retired Soldiers) or TRICARE Young Adult-Prime in the U.S., please visit this site and follow these 

guidelines when traveling: http://www.tricare.mil/FindDoctor/Traveling/Travel_Prime.aspx

 (2) If you're using TRICARE Standard and Extra (TRICARE Extra is not available overseas), TRICARE 

Standard Overseas or TRICARE Young Adult-Standard, please visit this site and follow these guidelines 

when traveling: http://www.tricare.mil/FindDoctor/Traveling/Travel_TSE.aspx

Aeromedical evacuations are covered only for medically necessary and only to the nearest location that 

can provide the needed care. Normally, the evacuation is not back to the U.S.

7-3. TRICARE for Life

a. TRICARE beneficiaries who are entitled to premium-free Medicare Part A and who have Medicare 

Part B regardless of age or place of residence, are automatically covered under TRICARE for Life (TFL) , 

provided they meet all other TRICARE eligibility requirements. For example, retired reservists must be 60 

years of age. TFL acts as a second payer to Medicare. Detailed information on coverage can be found 

at http://www.tricare.mil/tfl/.

b. TRICARE beneficiaries who are entitled to premium-free Medicare Part A and have Medicare Part B 

may use TFL even if they have other health insurance, such as a Medicare supplement or an employersponsored plan. However, by law, TFL will pay only after all other health insurances have paid. Given 

this relationship between plans, you may find that you no longer need a supplemental plan.

c. The TFL contract is a single, nationwide contract for claims processing, customer service and 

administrative services for individuals who are entitled to both TRICARE and Medicare, regardless of 

age. The TRICARE Management Activity (TMA) awarded this contract to Wisconsin Physicians Service 

Military and Veterans Health (WPS) of Madison, Wisconsin. Beneficiaries may call WPS TFL at -888-

915-4001 Monday–Thursday: 7:00 a.m.–5:00 p.m. (CT) Friday: 8:00 a.m.–4:30 p.m. (CT), for assistance. 

If you are a member with the Patient Choice network, please call toll-free: 1-888-915-4160. 

7-4. TRICARE Young Adult Program

a. The TRICARE Young Adult (TYA) program is a premium-based health care plan available for 

purchase by qualified dependents. Beneficiaries who are adult-age dependents may purchase TYA 

coverage based on the eligibility established by their uniformed service sponsor and where they live. 

TYA includes medical and pharmacy benefits, but excludes dental coverage. 

b. Special eligibility conditions may exist. Beneficiaries may purchase TYA coverage if they are all of the 

following: 

(1) A dependent of an eligible uniformed service sponsor* 

(2) Unmarried 

(3) At least age 21 (or age 23 if enrolled in a full-time course of study at an approved institution of 

higher learning and if the sponsor provides more than 50 percent of the financial support), but 

have not yet reached age 26 

(4) Not eligible to enroll in an employer-sponsored health plan through their own employment 

(5) Not a member of the Selected Reserve or member on active duty for more than 30 days

(6) Not otherwise eligible for TRICARE program coverage

* If the beneficiary is an adult child of a non-activated member of the Selected Reserve or of the Retired 

Reserve, their sponsor must be enrolled in TRICARE Reserve Select or TRICARE Retired Reserve to be 

eligible to purchase TYA coverage.

c. Go to www.tricare.mil/tya or call your regional contractor for more information. 
34

7-5. TRICARE Retired Reserve

a. TRICARE Retired Reserve (TRR) is a premium-based health care plan available for purchase 

worldwide for Retired Reserve members, their Families and survivors who qualify. TRR includes medical 

and pharmacy benefits, but excludes dental coverage.

b. Retired Reservists may purchase TRR coverage if they are all of the following:

(1) Members of the Retired Reserve of a Reserve Component who are qualified for non-regular 

retirement 

(2) Under age 60

(3) Not eligible for, or enrolled in, the Federal Employees Health Benefits (FEHB) program 

c. Enrollment must be done through the Reserve Component Purchased TRICARE Application and 

beneficiaries will need either: 

(1) Common Access Card (CAC)

(2) DFAS (myPay) Account

(3) DOD Self-Service Logon (DS Logon)

d. Monthly premium payments must be made by an automated method of either an Electronic Funds 

Transfer (EFT) or recurring credit/debit card. 

7-6. TRICARE Pharmacy 

a. Overview. TRICARE provides a world-class pharmacy benefit to all eligible Uniformed Services 

members, including TFL beneficiaries entitled to Medicare Parts A and B based on their age, disability 

and/or end-stage renal disease. Eligible beneficiaries may fill prescription medications at medical 

treatment facility (MTF) pharmacies; through the TRICARE Pharmacy Home Delivery (TPHD) program; 

at TRICARE medical retail network pharmacies (TRRx); and at non-network pharmacies. To have a 

prescription filled; beneficiaries need a written prescription and a valid Uniformed Services identification 

card. TFL beneficiaries who turned age 65 on April 1, 2001, or later, must be enrolled in Medicare Part B 

to use the pharmacy program. 

TFL beneficiaries who turned age 65 before April 1, 2001, are not required to be enrolled in Medicare 

Part B for the pharmacy program, but are required to be enrolled in Medicare Part B for all other benefits 

available under TFL. TRICARE's mandatory generic drug policy requires that prescriptions be filled with 

a generic product, if available. In the U.S., all generic drugs must undergo Food and Drug Administration 

testing/approval, and are considered safe alternatives to brand-name drugs. For information on how to 

save money and make the most of the TRICARE pharmacy benefit, visit 

http://www.tricare.mil/CoveredServices/Pharmacy.aspx; or call 1-877-363-1303. 

b. TRICARE Pharmacy Home Delivery (TPHD). TPHD is an easy and convenient way to get the 

medications you take regularly delivered directly to your home. Express Scripts, Inc. (ESI) manages your 

mail-order pharmacy program and provides customer assistance. Note: If you are covered by other 

health insurance (OHI) with a pharmacy benefit, you may not use the TPHD. Exceptions: Your OHI 

does not cover the medication needed or you have exceeded that plan’s dollar limit of coverage.

(1) Why Use It?:

-- Savings: Get up to three times the quantity of medications for your money, compared to the same 

prescriptions at a retail pharmacy. There are no shipping and handling fees.

-- Safety: Two pharmacists check your order and it is verified with the DOD’s pharmacy database. 

-- Convenience: Avoid driving to a retail pharmacy and waiting in line. You can fill prescriptions by mail, 

phone, FAX, or online 24 hours a day, 7 days a week. 

-- Flexibility: You can choose which medications to have home-delivered. You can get special handling 

for special medications. 

(2) How to Use It: Register; obtain a prescription; mail in your prescription or request that your provider 

FAX it in. You can find TPHD fact sheets and brochures at: 

http://www.tricare.mil/CoveredServices/Pharmacy/FillPrescriptions/HomeDelivery.aspx.

c. TRICARE Retail Pharmacy (TRRx). If you need a prescription filled right away and are unable to use 

an MTF pharmacy, visit one of the more than 57,000 civilian pharmacies that are part of the TRRx, 

otherwise known as "retail network pharmacies." Using this network, TRICARE beneficiaries can obtain 

up to a 90-day supply of most prescription medications for a small cost share. 
35

While TPHD is more cost effective for long-term medications, we recommend using a retail network 

pharmacy for new prescriptions your health care provider has required you to start taking immediately. 

Your cost share is based on the type of medicine you and your doctor choose. For general information 

about cost shares, please see the Pharmacy cost shares page. If you would like information about 

coverage and cost shares for a specific medication, please use the Formulary Search Tool. 

To use a retail network pharmacy, simply present the pharmacist with your written prescription, along 

with your uniformed services identification card. Find a list of TRICARE network pharmacies online at 

pharmacy locator page on the Express-Scripts website. To check if you are eligible to use a retail 

network pharmacy as part of TRRx, please see the Pharmacy Eligibility page. If you have any difficulties 

having your prescriptions filled at your local retail network pharmacy, contact Express-Scripts toll free at 

1-877 363-1303, or visit the http://www.express-scripts.com/TRICARE/. 

d. Medicare Part D -- Prescription Drug Benefit. Medicare prescription drug coverage became available 

to everyone with Medicare Part A and/or Part B. Exception: Beneficiaries that live overseas or are in 

prison are not eligible for the Medicare pharmacy program. For nearly all TFL-Medicare-eligible

beneficiaries, under most circumstances, there is no added value in purchasing Medicare prescription 

drug coverage if you have TRICARE. The exception to this general rule may be for those with limited 

incomes and assets who qualify for Medicare's extra help with prescription drug plan costs. TFLMedicare-eligible beneficiaries, entitled to the TRICARE pharmacy benefit, should consider a number of 

factors when deciding whether or not to enroll in a Medicare drug plan. They should consider monthly 

premiums, deductibles, co-pays and drug coverage under the different prescription drug plan options 

offered (also known as a formulary), including the TRICARE Pharmacy Program. Medicare Part D drug 

plan options will vary by location. If you experience difficulty using your TRICARE pharmacy benefit 

because you were automatically enrolled in Medicare Part D, you may make changes by contacting the 

TRICARE pharmacy program contractor, Express-Scripts, Inc. (ESI), at 1-877 363-1303. With your 

permission, ESI will check your enrollment status with Medicare, and they will assist you in making any 

changes you request. 

7-7. TRICARE Retiree Dental Plan 

The TRICARE Retiree Dental Program (TRDP) offers comprehensive, cost-effective dental coverage for 

retired Service members and their eligible Family members, for unmarried surviving Spouses and 

Children, and for other select individuals. The TRDP is administered by the Federal Government 

Programs division of Delta Dental of California under contract with the U.S. Department of Defense 

The TRDP offers:

• Comprehensive coverage for the most commonly needed and sought-after dental servicesincluding root canals, oral surgery, dental accidents and composite fillings on back teethimmediately upon coverage effective date.

• The full scope of major benefits like crowns, bridges, dentures, dental implant services and 

orthodontics is available after only 12 months (or immediately if you enroll within 4 months after 

retiring; supporting documentation is required).

• Coverage for dental emergencies when traveling outside the Enhanced TRDP service area 

described below.

• Optimum cost savings and program value by giving enrollees the option to choose from an 

expansive list of participating network dentists in over 200,000 locations nationwide who have 

agreed to provide treatment to TRDP enrollees at significantly reduced fees. (Enrollees may also 

choose any licensed dentist within the service area who is not in the TRDP network, but the 

dentist fees may be higher.)

• A new, expanded list of dentists for enrollees living and traveling overseas.

• Affordable monthly premiums, low deductibles, and generous maximum allowances including a 

lifetime orthodontic maximum of $1,750 per person, including adults.

Covered Services

This chart provides an overview of coverage under the Enhanced TRICARE Retiree Dental Program for 

patients who visit a participating network dentist.

Benefits available during the first 12 months of enrollment: *Delta Dental Pays:

Diagnostic & Preventive Services (cleanings & exams) 100%

Basic Restorative (fillings, including tooth-colored fillings on back teeth) 80%
36

Endodontics, Periodontics & Oral Surgery (root canals, gum treatment 

and extractions)

60%

Emergency Services 80-100%

Dental Accident Coverage 100%

Additional services available after 12 months of continuous enrollment or if enrolled within four 

month after retirement:

Cast Crowns & Onlays 50%

Bridges & Partial/Full Dentures 50%

Dental Implants 50%

Orthodontics 50%

Deductibles & Maximums

Annual Deductible 

(per person, limit $150 per Family, per benefit year)

$50

Annual Maximum (per person, per benefit year) $1300

Orthodontic Maximum (per person, per lifetime) $1750

Dental Accident Maximum (per person, per benefit year) $1200

Benefit Year: 1 January - 31 December

*The percentage paid by Delta is based on the allowed amount for each procedure. While the coverage 

percentage is the same for all TRDP patients, total out-of-pocket costs may be higher if care is received 

from a non-network or overseas dentist.

Service Area

TRDP Basic dental coverage is offered throughout the United States, the District of Columbia, Puerto 

Rico, Guam, the U.S. Virgin Islands, American Samoa, the Commonwealth of the Northern Mariana 

Islands, and Canada. To be eligible for reimbursement, covered services must be provided within this 

area, regardless of where the TRDP Basic enrollee lives. There are no overseas benefits for TRDP 

Basic enrollees. New enrollment in the TRDP Basic is no longer available and hasn’t been since October 

2000.

Enhanced TRDP dental coverage is offered worldwide, with benefits based on primary residence. 

Enhanced TRDP enrollees are eligible to obtain their covered benefits within the service area described 

above. When traveling outside this area, Enhanced TRDP enrollees who are enrolled and living in the 

United States, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, 

the Commonwealth of the Northern Mariana Islands and Canada are only eligible for emergency services 

overseas. (Exemption: An Enhanced TRDP enrollee’s family member who is a full-time student living 

overseas can receive benefits worldwide.) Enhanced TRDP enrollees are fully responsible for payment 

to the dentist who provided the emergency care. These enrollees will need to submit a claim form which 

can be downloaded at www.trdp.org. Delta Dental will reimburse the enrollee as applicable when the 

overseas emergency services claim is processed.

Enrollees in the Enhanced program who reside permanently outside the above service area may obtain 

the full scope of TRDP benefits anywhere in the world. If receiving care within the above service area, 

enrollees can receive care from a TRDP network dentist. Additional information applicable to Enhanced 

TRDP enrollees who reside overseas is available on the TRDP website at www.TRDP.org.

Enrollment Process

Enrolling online in the TRDP is easy via the TRICARE Beneficiary Web Enrollment (BWE) portal. Once 

you’ve retired and your retirement status is reflected in DEERS, simply access the Enroll Today page on 

www.TRDP.org and follow the instructions. Sponsors and enrolled Family members must commit to 

remain enrolled in the enhanced TRDP for an initial period of 12 consecutive months. After completing 

the initial 12-month enrollment period, eligibility expands to the full scope of benefits offered and the 

TRDP will be continued automatically on a month-to-month basis. Sponsors and family members who 

enroll within four months of the sponsor’s retirement receive the full scope of benefits offered under the 

TRDP immediately.

Enrollment in the TRDP is voluntary. A payment equal to two premium payments is due upon enrollment 

to ensure that the retiree and Family can receive benefits on the coverage effective date. Coverage 

begins on the first day of the month following the month of acceptance of your enrollment application and 

receipt of the two-month premium payment. More information can be found at

http://www.tricare.mil/CoveredServices/Dental/TRDP.aspx.
37

7-8. Minimum Essential Coverage Under the Affordable Care Act 

Under the Patient Protection and Affordable Care Act of 2010 (ACA), all Americans, unless exempted, 

must have health care coverage that meets a minimum standard called minimum essential coverage 

(MEC), TRICARE coverage, including premium-based TRICARE coverage when purchased, meets the 

MEC requirement under the ACA. Beneficiaries that are solely eligible for care in MTFs (for example, 

parents and parents-in-law) may need to obtain MEC from a non-DOD source or be subject to an annual 

penalty for each month they do not have adequate coverage. The fee will be collected each year with 

federal tax returns. At the end of each tax year, the Defense Finance and Accounting Service will 

provide you with IRS tax forms that will help you document the months you had MEC through the 

TRICARE program on your federal tax returns. For more information, go to www.tricare.mil/aca.

7-9. US Family Health Plan

US Family Health Plan (USFHP) is one option of the Military Health System known as TRICARE. The 

USFHP program was selected by the Department of Defense to be a provider of TRICARE Prime under 

a statutory requirement. As a USFHP member you receive all the benefits offered by the TRICARE Prime 

program. The USFHP has served the health care needs of military beneficiaries since 1993. The six 

USFHP providers began as US Public Health Service hospitals. The Department of Defense has 

contracted with the former US Public Health Service hospitals and their successors since 1982, and the 

current TRICARE contracts under which the USFHP is now operated are a continuation of this longstanding partnership under which eligible beneficiaries receive healthcare. Any beneficiary under the 

age of 65 with the exception of active duty servicemembers, who relies on the Military Health System for 

their health care and who is eligible in the Defense Eligibility and Reporting System (DEERS) is eligible 

to enroll in the USFHP if they live in the one of the six geographical areas that the USFHP serves. 

DEERS includes anyone who is eligible to receive military health benefits, including active duty family 

members, retirees, retiree family members, and activated members of the National Guard and Reserve. 

Additional information can be obtained at http://www.usfhp.com/. 

7-10. Department of Veterans Affairs (VA) Medical Care.

a. Medical Benefits. Retired Soldiers may have dual eligibility for VA medical benefits as a VA 

beneficiary and as a DOD beneficiary. When applying for care at a VA medical facility, a determination is 

first made on eligibility for care as a VA beneficiary. Following is a description of eligibility categories for 

both inpatient and outpatient medical care, nursing home care, and outpatient dental care. 

-- Discretionary. If in the discretionary eligibility category, Retired Soldiers are eligible for VA 

medical care as a VA beneficiary only after they agree to make a co-payment, or have their insurance 

carrier billed. If they do not agree to this, VA health care may be offered as a beneficiary of DOD at DOD 

expense on a space-available, resource-available basis as determined by the VA facility director. 

-- Hospitalization. Eligibility for VA hospitalization and nursing home care is divided into two 

categories: mandatory and discretionary. Within these two categories, eligibility assessment procedures 

based on income levels are used to determine whether non-service-connected Veterans are eligible for 

cost-free VA medical care. These income levels are adjusted on January 1st each year. 

-- Hospital and Nursing Home Care. Hospital Care: Hospital care in VA facilities may or may 

not be provided to Veterans in the discretionary category, depending on whether space and resources 

are available. However, you must agree to pay a deductible of what you would pay under Medicare.

Nursing Home Care: The VA may or may not provide nursing home care, depending on whether space 

and resources are available, however, you must pay a co-payment. Contact your local VA health care 

office for details at 1-877-222-8387 or go to http://www.va.gov/health/default.asp.

-- Mandatory Care. For Veterans in this category, the law requires VA to provide hospital care at 

the nearest VA facility capable of furnishing the care in a timely fashion. If no VA facility is available, care 

must be furnished in a DOD facility or another facility with which VA has a sharing or contractual 

relationship. If space and resources are available after caring for mandatory category Veterans, VA may 

furnish care to those in the discretionary category. 

 

-- Payment. Veterans in the discretionary category must agree to pay VA for their care. 

Veterans in the mandatory category not subject to the eligibility assessment are service-connected 

Veterans; Veterans who were exposed to herbicides while serving in Vietnam or to ionizing radiation 
38

during atmospheric testing and in the occupation of Hiroshima and Nagasaki, and need treatment for a 

condition that might be related to the exposure; former prisoners of war; Veterans receiving VA pension; 

Veterans of the Spanish American War, the Mexican Border period or World War I; and Veterans

eligible for Medicaid. 

Eligibility Assessment. The following eligibility assessment applies to all other non-serviceconnected Veterans, regardless of age:

(1) Mandatory: Hospital care is considered mandatory if the patient is among the groups just listed or if 

the patient's income is below the amount set by VA annually. Hospital care in VA facilities must be 

provided to Veterans in the mandatory category. Nursing home care may be provided in VA facilities, if 

space and resources are available. 

(2) Discretionary: Hospital care is considered discretionary if the patient is a non-service-connected 

veteran and income is above the limit set annually by VA. The patient must agree to pay an amount for 

care equal to what would have been paid under Medicare. The Medicare deductible is adjusted annually. 

VA may provide hospital, outpatient, and nursing home care in VA facilities to Veterans in the 

discretionary category, if space and resources are available. If the patient's medical care is considered 

discretionary, VA holds the patient responsible for the cost of care or for a specific amount for the first 90 

days of care during any 365-day period. For each additional 90 days of hospital care, the patient is 

charged half the Medicare deductible. For each 90 days of nursing home care, an amount equal to the 

Medicare deductible is charged. In addition to the charges enumerated, the patient will be charged a 

small fee daily for inpatient hospital care and for nursing home care. The fee is based on the Medicare 

deductible and is adjusted annually. 

VA Outpatient Care Eligibility. The number of Veterans who can be enrolled in the health care program 

is determined by the amount of money Congress gives VA each year. Since funds are limited, VA set up 

Priority Groups to make sure that certain groups of Veterans are able to be enrolled before others.

Once you apply for enrollment, your eligibility will be verified. Based on your specific eligibility status, you 

will be assigned a Priority Group. The Priority Groups range from 1-8 with 1 being the highest priority for 

enrollment. Some Veterans may have to agree to pay copay to be placed in certain Priority Groups.

You may be eligible for more than one Enrollment Priority Group. In that case, VA will always place you 

in the highest Priority Group that you are eligible for. Under the Medical Benefits Package, the same 

services are generally available to all enrolled Veterans.VA determines your eligibility for VA’s 

comprehensive medical benefits package through our patient enrollment system, which is based on 

Priority Groups from 1 through 8.

The priority groups are:

• Priority Group 1:

Veterans with VA-rated service-connected disabilities 50% or more disabling. 

Veterans determined by VA to be unemployable due to service-connected conditions. 

• Priority Group 2:

Veterans with VA rated service-connected disabilities rated 30% or 40%.

• Priority Group 3:

Veterans who are Former Prisoners of War (POWs). 

Veterans awarded a Purple Heart Medal. 

Veterans whose discharge was for a disability that was incurred or aggravated in the line of duty. 

Veterans with VA-rated service-connected disabilities 10% or 20% disabling. 

Veterans awarded special eligibility classification under Title 38, U.S.C., § 1151, “benefits for 

individuals disabled by treatment or vocational rehabilitation.”

Veterans awarded the Medal Of Honor (MOH).

• Priority Group 4:

Veterans who are receiving aid and attendance or housebound benefits from VA. 

Veterans who have been determined by VA to be catastrophically disabled.
39

• Priority Group 5:

Nonservice-connected Veterans and noncompensable service-connected Veterans rated 0% 

disabled by VA with annual income and/or net worth below the VA national income threshold and 

geographically-adjusted income threshold for their resident. 

Veterans receiving VA Pension benefits. 

Veterans eligible for Medicaid benefits.

• Priority Group 6:

Compensable 0% Service-connected Veterans. 

Veterans exposed to ionizing radiation during atmospheric testing or during the occupation of 

Hiroshima and Nagasaki. 

Project 112/SHAD participants. 

Veterans who served in the Republic of Vietnam between January 9, 1962 and May 7, 1975. 

Veterans of the Persian Gulf War that served between August 2, 1990 and November 11, 1998.

*Veterans who served on active duty at Camp Lejeune for not fewer than 30 days beginning Jan. 

1, 1957 and ending Dec. 31, 1987

Veterans who served in a theater of combat operations after November 11, 1998 as follows: 

Currently enrolled Veterans and new enrollees who were discharged from active duty on or after

January 28, 2003, are eligible for the enhanced benefits for 5 years post discharge

Note: At the end of this enhanced enrollment priority group placement time period Veterans will be 

assigned to the highest Priority Group their unique eligibility status at that time qualifies for.

*Note: While eligible for Priority Group (PG) 6; until system changes are implemented you would be 

assigned to PG 7 or 8 depending on your income.

• Priority Group 7:

Veterans with incomes below the geographic means test (GMT) income thresholds and who agree 

to pay the applicable copayment

• Priority Group 8

Veterans with gross household income above the VA and the geographically-adjusted income 

limits for their resident location and who agrees to pay copays

Veterans eligible for enrollment:

Noncompensable 0% service-connected:

• Subpriority a: Enrolled as of January 16, 2003, and who have remained enrolled since that date 

and/or placed in this sub priority due to changed eligibility status

• Subpriority b: Enrolled on or after June 15, 2009 whose income exceeds the current VA or 

geographic income limits by 10% or less

Nonservice-connected and:

• Subpriority c: Enrolled as of January 16, 2003, and who have remained enrolled since that date 

and/or placed in this sub priority due to changed eligibility status

• Subpriority d: Enrolled on or after June 15, 2009 whose income exceeds the current VA or 

geographic income limits by 10% or less

Veterans not eligible for enrollment:

• Veterans not meeting the criteria above:

• Subpriority e: Noncompensable 0% service-connected (eligible for care of their SC condition 

only)

• Subpriority g: Nonservice-connected

• Veterans with gross household income above the VA national income threshold and the 

geographically-adjusted income threshold for their resident location and who agrees to pay 

copays

Veterans eligibility for enrollment: Noncompensable 0% service-connected and:

• Subpriority a: Enrolled as of January 16, 2003, and who have remained enrolled since that date 

and/ or placed in this subpriority due to changed eligibility status. 

• Subpriority b: Enrolled on or after June 15, 2009 whose income exceeds the current VA National 

Income Thresholds or VA National Geographic Income Thresholds by 10% or less 
40

Veterans eligible for enrollment: Nonservice-connected and:

• Subpriority c: Enrolled as of January 16, 2003, and who remained enrolled since that date and/or 

placed in this subpriority due to changed eligibility status 

• Subpriority d: Enrolled on or after June 15, 2009 whose income exceeds the current VA National 

Income Thresholds or VA National Geographic Income Thresholds by 10% or less 

Veterans not eligible for enrollment: Veterans not meeting the criteria above:

• Subpriority e: Noncompensable 0% service-connected 

• Subpriority g: Nonservice-connected 

b. Prescription Medication. Veterans receiving medications on an outpatient basis from VA facilities, for 

the treatment of a non-service-connected disability or condition, are required to make a co-payment for 

each 30-day or less supply of medication provided. Veterans receiving medications for treatment of a 

service-connected condition and Veterans rated 50 percent or more service-connected are exempt from 

the co-payment requirement for medications. 

c. Dental Care. Dental benefits are provided by the Department of Veterans Affairs (VA) according to 

law. In some instances, VA is authorized to provide extensive dental care, while in other cases treatment 

may be limited. The eligibility for outpatient dental care is not the same as for most other VA medical 

benefits and is categorized into classes. If you are eligible for VA dental care under Class I, IIC, or IV you 

are eligible for any necessary dental care to maintain or restore oral health and masticatory function, 

including repeat care. Other classes have time and/or service limitations.

Outpatient Dental Program. The eligibility for outpatient dental care is not the same as for most other VA 

medical benefits and is categorized into classes. If you are eligible for VA dental care under Class I, IIA, 

IIC, or IV you are eligible for any necessary dental care to maintain or restore oral health and masticatory

function, including repeat care. Other classes have time and/or service limitations.

If you: You are eligible for: Through

Have a service-connected 

compensable dental disability or 

condition.

Any needed dental care Class I

Are a former prisoner of war. Any needed dental care. Class IIC

Have service-connected 

disabilities rated 100% disabling, 

or are unemployable and paid at 

the 100% rate due to serviceconnected conditions.

Any needed dental care. [Please 

note: Veterans paid at the 100% 

rate based on a temporary 

rating, such as extended 

hospitalization for a serviceconnected disability, 

convalescence or prestabilization are not eligible for 

comprehensive outpatient dental 

services based on this 

temporary rating].

Class IV

Apply for dental care within 180 

days of discharge or release 

(under conditions other than 

dishonorable) from a period of 

active duty of 90 days or more 

during the Persian Gulf War era.

One-time dental care if your 

DD214 certificate of discharge 

does not indicate that a 

complete dental examination 

and all appropriate dental 

treatment had been rendered 

prior to discharge.*

Class II

Have a service-connected noncompensable dental condition or 

disability resulting from combat 

wounds or service trauma.

Needed care for the serviceconnected condition(s). A Dental 

Trauma Rating (VA Form 10-

564-D) or VA Regional Office 

Rating Decision letter (VA Form 

10-7131) identifies the 

tooth/teeth eligible for care.

Class IIA
41

Have a dental condition clinically 

determined by VA to be 

associated with and aggravating 

a service-connected medical 

condition.

Dental care to treat the oral 

conditions that are determined 

by a VA dental professional to 

have a direct and material 

detrimental effect to your service 

connected medical condition.

Class III

Are actively engaged in a 38 

USC Chapter 31 vocational 

rehabilitation program.

Dental care to the extent 

necessary as determined by a 

VA dental professional to:

• Make possible your entrance 

into a rehabilitation program

• Achieve the goals of your 

vocational rehabilitation program

• Prevent interruption of your 

rehabilitation program

• Hasten the return to a 

rehabilitation program if you are 

in interrupted or leave status

• Hasten the return to a 

rehabilitation program of a 

Veteran placed in discontinued 

status because of illness, injury 

or a dental condition, or

• Secure and adjust to 

employment during the period of 

employment assistance, or 

enable you to achieve maximum 

independence in daily living.

Class V

Are receiving VA care or are 

scheduled for inpatient care and 

require dental care for a 

condition complicating a medical 

condition currently under 

treatment.

Dental care to treat the oral 

conditions that are determined 

by a VA dental professional to 

complicate your medical 

condition currently under 

treatment.

Class VI

Are an enrolled Veteran who 

may be homeless and receiving 

care under VHA Directive 2007-

039.

A one-time course of dental care 

that is determined medically 

necessary to relieve pain, assist 

you to gain employment, or treat 

moderate, severe, or 

complicated and severe gingival 

and periodontal conditions.

Class IIB

Inpatient Dental Program

Veterans receiving hospital, nursing home, or domiciliary care will be provided dental services that 

are professionally determined by a VA dentist, in consultation with the referring physician, to be 

essential to the management of the patient’s medical condition under active treatment.

Additional Information

For more information about eligibility for VA medical and dental benefits, contact VA at 1-877-222-VETS 

(8387) or https://www.va.gov/healthbenefits/.

d. For the purposes of VA compensation benefits, Veterans who served anywhere in Vietnam between 

January 9, 1962 and May 7, 1975 are presumed to have been exposed to herbicides, as specified in 

the Agent Orange Act of 1991. These Veterans do not need to show that they were exposed to Agent 

Orange or other herbicides in order to get disability compensation for diseases related to Agent Orange 

exposure. VA has recognized certain cancers and other health problems as presumptive diseases 

associated with exposure to Agent Orange or other herbicides during military service. Veterans and their 

survivors may be eligible for disability compensation or survivors' benefits for these diseases.
42

 AL Amyloidosis

A rare disease caused when an abnormal protein, amyloid, enters tissues or organs 

 Chronic B-cell Leukemias

A type of cancer which affects white blood cells 

 Chloracne (or similar acne form disease)

A skin condition that occurs soon after exposure to chemicals and looks like common forms of 

acne seen in teenagers. Under VA's rating regulations, it must be at least 10 percent disabling 

within one-year of exposure to herbicides. 

 Diabetes Mellitus Type 2

A disease characterized by high blood sugar levels resulting from the body’s inability to respond 

properly to the hormone insulin 

 Hodgkin’s Disease

A malignant lymphoma (cancer) characterized by progressive enlargement of the lymph nodes, 

liver, and spleen, and by progressive anemia 

 Ischemic Heart Disease

A disease characterized by a reduced supply of blood to the heart, that leads to chest pain 

 Multiple Myeloma

A cancer of plasma cells, a type of white blood cell in bone marrow 

 Non-Hodgkin’s Lymphoma

A group of cancers that affect the lymph glands and other lymphatic tissue 

 Parkinson’s Disease

A progressive disorder of the nervous system that affects muscle movement 

 Peripheral Neuropathy, Acute and Subacute

A nervous system condition that causes numbness, tingling, and motor weakness. Currently, it 

must be at least 10 percent disabling within one-year of herbicide exposure and resolve within 

two years. VA proposed on Aug. 10, 2012, to replace "acute and subacute" with "early-onset" 

and eliminate the requirement that symptoms resolve within two years. 

 Porphyria Cutanea Tarda

A disorder characterized by liver dysfunction and by thinning and blistering of the skin in sunexposed areas. Under VA's rating regulations, it must be at least 10 percent disabling within oneyear of exposure to herbicides. 

 Prostate Cancer

Cancer of the prostate; one of the most common cancers among men 

 Respiratory Cancers (includes lung cancer)

Cancers of the lung, larynx, trachea, and bronchus 

 Soft Tissue Sarcomas (other than osteosarcoma, chondrosarcoma, Kaposi’s sarcoma, or 

mesothelioma)

A group of different types of cancers in body tissues such as muscle, fat, blood and lymph 

vessels, and connective tissues 

Children with Birth Defects: VA presumes certain birth defects in children of Vietnam and Korea 

Veterans associated with Veterans' qualifying military service.

Veterans with Lou Gehrig's Disease: VA presumes Lou Gehrig's Disease (amyotrophic lateral 

sclerosis or ALS) diagnosed in all Veterans who had 90 days or more continuous active military service 

is related to their service, although ALS is not related to Agent Orange exposure.

Veterans with questions may call the VA’s toll-free helpline at 1-800-749-8387, or visit the VA Web site

at https://www.va.gov and https://www.vets.gov/disability-benefits/conditions/exposure-to-hazardousmaterials/agent-orange/diseases/

e. How Income Is Assessed. The patient's total income under the eligibility assessment includes: Social 

Security, U.S. Civil Service retirement, U.S. Railroad retirement, military retirement, unemployment 

insurance, any other retirement income, total wages from all employers, interest and dividends, workers' 

compensation, black lung benefits, and any other gross income for the calendar year prior to application 

for care. The incomes of a spouse or dependents as well as the market value of stocks, bonds, notes, 

individual retirement accounts, bank deposits, savings accounts, and cash are also considered. Debts 

are subtracted from the patient's assets to determine net worth. The patient's primary residence and 

personal property, however, are excluded. The patient is not required to provide proof of income or net 

worth at the time care is requested. 
43

VA has the authority to compare information provided with information obtained from the Department of 

Health and Human Services and the Internal Revenue Service.

https://www.va.gov/healthbenefits/cost/financial_assessment.asp

f. Medical Care Cost Recovery. All Veterans applying for medical care at a VA facility will be asked if 

they have medical insurance. VA is authorized by law to bill insurance companies for the cost of medical 

care furnished to Veterans, including service-connected Veterans, for non-service-connected conditions 

covered by health insurance policies. VA is required to determine if the cost of the medical care can be 

recovered from companies providing group or individual health insurance. A veteran may be covered by 

such a policy or be covered as an eligible dependent on a spouse's policy. VA is no different from other 

health-care providers who need insurance information. To collect benefits covered by health insurance, 

VA must obtain the information that appears on the health insurance identification card. Veterans are not 

responsible and will not be charged by VA for any charge required by their health insurance policies.

g. For additional information, please refer to the VA Web site: 

https://www.va.gov/HEALTHBENEFITS/cost/insurance.asp

7-11. Social Security Medicare.

a. The Social Security Medicare program is a type of health coverage that’s provided for American 

citizens and legal residents aged 65 and older, though there are some exceptions to this minimum age 

requirement. The general idea is that the program provides health insurance security for people who 

have reached retirement age, when the benefits it provides are often needed the most. People under the 

age of 65 can apply for Medicare coverage as well, and they may be accepted into the program if they 

receive Social Security disability payments or if they are suffering from permanent kidney failure. It 

provides basic protection against the cost of health care, but it doesn't cover all medical expenses. 

b. When covered by both TRICARE for Life (TFL) and Medicare, TFL acts as a second payer.

https://tricare.mil/tfl

c. Medicare’s Four Parts. 

(1) Part A: This is the most basic portion of Medicare and is provided to all eligible people at no charge. 

Part A covers your expenses in the event you must be hospitalized. Enroll in Medicare Part A three 

months before you turn 65, even if you are not planning on retirement in the immediate future.

(2) Part B: Medicare Part B gives you supplemental medical coverage for costs outside of hospital 

charges, and pays for things such as doctor visits and certain medications, including chemotherapy that

are administered by a doctor or trained staff. If you don’t have other medical coverage, it’s best to enroll 

in Medicare Part B at the same time that you enroll in Part A.

(3) Part C: Medicare Part C is another name for the Medicare Advantage Plan, which is an HMO or 

PPO. Part C replaces parts A and B and usually D as well. This all-inclusive coverage has specific 

provider and facility requirements, but the trade-off is that you’ll typically have little or nothing in the way 

of co-pays for treatment and medication, plus with some plans you may be covered for vision and dental 

as well. You have to sign up for Part C during the annual enrollment period unless you qualify for a 

Special Enrollment Period, (Sep), due to moving, being placed in a long-term care facility, you’re eligible 

for Medicaid, you want to change to a 5-star Advantage Plan, or you qualify for another exception. 

(4) Part D: Medicare Part D is part of the Medicare program. It covers prescription medications. As with 

Part C, you can’t sign up for Part D anytime you want, you have to sign up during the enrollment period 

unless you qualify for an SEP.

d. A word about Medicaid. You may think Medicaid and Medicare are the same, but they’re two different 

programs. Medicaid is a state-run program that provides hospital and medical coverage for people with 

low income. Each state has its own rules about who’s eligible, and what Medicaid covers. Some people 

qualify for both Medicare and Medicaid. For more information about the Medicaid program, contact your 

local medical assistance agency or social services office

e. Additional information on Social Security and Medicare can be obtained online at:

https://www.ssa.gov/medicare/. 
44

7-12. My HealtheVet

My HealtheVet is VA’s online personal health record. It was designed for Veterans, active duty 

Servicemembers, their dependents and caregivers. My HealtheVet helps you partner with your health 

care team. It provides you opportunities and tools to make informed decisions and manage your health 

care.

Specific features in My HealtheVet are available to you based on your account type. All users who have 

a Basic account are able to view their self-entered information. If you are a VA patient, you can upgrade 

your account to Advanced or Premium. For more information about account types and what you can 

view, visit https://www.myhealth.va.gov/mhv-portal-web/register

Among the newest features available to Veterans with a Premium Account include VA Notes. These are 

clinical notes that your health care team records during your appointments or hospital stays. Also 

available are your VA Immunization records, more detailed lab reports and a list of your current medical 

issues. These features are in addition to prescription refills, VA Appointments and Secure Messaging –

all very popular with Veterans! More information can be found at https://www.myhealth.va.gov/

7-13. Long Term Care

Long Term Care is care that you need if you can no longer perform everyday tasks (activities of daily 

living) by yourself due to a chronic illness, injury, disability or the aging process. Long term care includes 

the supervision you might need due to a severe cognitive impairment (such as Alzheimer's disease).

Long Term Care isn't intended to cure you. It is chronic care that you might need for the rest of your life. 

This care can span years and can be expensive depending on the type of care you need and location 

where that care is received. Long Term Care insurance is one way of helping to pay for these expenses.

For more information on Long Term Care, please go to https://www.ltcfeds.com/index.html.
45

CHAPTER 8: BURIAL AND MILITARY HONORS

8-1. Overview. 

Arlington National Cemetery will soon be responsible for Arlington as well as all cemeteries for which the 

Department of the Army is currently responsible. This includes open and closed Army national 

cemeteries, Army post cemeteries, Army-controlled plots in private cemeteries used to re-inter persons 

originally interred in an Army Cemetery, cemeteries and burial plots located on Army property that were 

originally established to inter enemy prisoners of war, Army cemeteries originally established to inter 

persons who died while criminally incarcerated, private cemeteries and plots on Army property, private 

cemeteries on private land, and not otherwise defined cemeteries.

8-2. VA Burial Benefits.

a. Burial benefits available include a gravesite in any of our 131 national cemeteries with available 

space, opening and closing of the grave, perpetual care, a Government headstone or marker, a burial 

flag, and a Presidential Memorial Certificate, at no cost to the family. Some Veterans may also be eligible 

for Burial Allowances. Cremated remains are buried or inurned in national cemeteries in the same 

manner and with the same honors as casketed remains.

Burial benefits available for spouses and dependents buried in a national cemetery include burial with the 

Veteran, perpetual care, and the spouse or dependents name and date of birth and death will be 

inscribed on the Veteran's headstone, at no cost to the family. Eligible spouses and dependents may be 

buried, even if they predecease the Veteran.

The Veterans family should make funeral or cremation arrangements with a funeral provider or cremation 

office. Any item or service obtained from a funeral home or cremation office will be at the family's 

expense. http://www.cem.va.gov/cem/burial_benefits/index.asp

b. Service-Connected Death.

• If the Veteran died on or after September 11, 2001, the maximum service-connected burial 

allowance is $2,000 

• If the Veteran died before September 11, 2001, the maximum service-connected burial 

allowance is $1,500. 

• If the Veteran is buried in a VA national cemetery, VA may reimburse some or all of the cost of 

transporting the deceased Veteran’s remains.

c. Non-service-Related Death. 

• If the Veteran died on or after October 1, 2014, VA will pay a $300 burial allowance and $745 for 

a plot. 

• If the Veteran died on or after October 1, 2013, but before October 1, 2014, VA will pay a $300 

burial allowance and $734 for a plot. 

• If the Veteran died on or after October 1, 2012, but before October 1, 2013, VA will pay a $300 

burial allowance and $722 for a plot. 

d. Effective October 1, 2011, there are higher non-service-connected death rates payable if the Veteran 

was hospitalized by VA when he or she died. 

• If the Veteran died on or after October 1, 2014, VA will pay a $745 burial allowance and $745 for 

a plot.

• If such a Veteran died on or after October 1, 2013, but before October 1, 2014, VA will pay a 

$734 burial allowance and $734 for a plot.

• If the Veteran died on or after October 1, 2012, but before October 1, 2013, VA will pay a $722 

burial allowance and $722 for a plot. 

If the death occurred while the Veteran was properly hospitalized by VA, or under VA contracted nursing 

home care, some or all of the costs for transporting the Veteran's remains may be reimbursed. 

NOTE: If the Veteran died while traveling at VA expense for the purpose of examination, treatment or 

care, VA will pay burial, funeral, plot or interment allowances, and transportation expenses. 
46

e. In addition to VA burial benefits, the surviving spouse or eligible child of a Retired Soldier may be 

eligible for a $255 lump-sum death benefit from Social Security. Local Social Security Offices have 

details.

f. For more information on VA burial benefits, contact any VA office (1-800-827-1000) or national 

cemetery; or visit the following Web site: http://www.cem.va.gov/.

8-3. Burial in Arlington National Cemetery. 

a. Eligibility. 

(1) Retired Soldiers are eligible for burial in Arlington National Cemetery (ANC) and inurnment (for 

cremated remains) in the ANC Columbarium, and the few Army Post Cemeteries where grave space is 

available. Their surviving spouses, minor children, and certain unmarried adult children are eligible for 

interment in the same grave.

(2) Surviving spouse and eligible children who predecease the Retired Soldier may be interred in 

Arlington or a post cemetery provided the Retired Soldier, before the family member's burial, signs an 

agreement to be buried in the same grave. Eligible children are defined as those who are unmarried and 

under 21 or, if 21 or older and incapable of self-support because of a mental or physical disability, are 

dependent upon the Retired Soldier for more than one-half of their support.

Approval authority for the burial of non-eligible adult children in Arlington National Cemetery (ANC) and 

Army post cemeteries is the Secretary of the Army. Requests for exception to policy for burial in ANC 

should be submitted to:

Executive Director

Attn: Exception to Policy Request

Arlington National Cemetery 

Arlington, VA 22211

Requests for exception to policy for burial in Army post cemeteries should be submitted through your 

Casualty Assistance Officer (CAO).

b. Assignment of space. One grave is authorized for the interment of a Retired Soldier and his or her 

eligible family members. A gravesite will be assigned at the time a request for interment is received. 

Gravesites may not be reserved in advance of the initial interment.

c. Arrangements for interment. As soon as possible after a Retired Soldier's death, the person making 

arrangements for the interment (usually the funeral director) should contact the Office of the Director of 

Arlington National Cemetery or the superintendent of the post cemetery where interment is desired. 

When a request for interment is received, a tentative date and time are scheduled pending verification 

from official records of the decedent's entitlement to burial. The funeral director or family member will be 

notified as soon as eligibility for burial is confirmed. The remains are not to be shipped to the cemetery 

until eligibility for burial is confirmed. The Office at Arlington National Cemetery is open Monday through 

Friday, 7:30 a.m. to 5:30 p.m. EST, and on Saturday, from 9:00 a.m. to 1:00 p.m. EST. Toll Free Calls

1-877-907-8585. 

d. Cremated remains. Arlington National Cemetery requires certification of 100% of cremated remains 

and a cremated remains certificate. Arlington does not accept cremated remains by mail. For 

cremated remains, the urn can be hand carried or shipped to a local funeral director for delivery to 

Arlington on the day of the service or up to three working days prior to the service.

e. Cost. There is no charge for a niche in the Columbarium or for the inscribed marble plaque with 

which each niche is sealed. Also, there is no charge for a grave in Arlington National Cemetery or Army 

post cemeteries, for opening and closing the grave, or for a Government headstone or marker, or 

installation of the marker. Other disposition of remains expenses, including preparation of the remains, a 

casket or urn, an outer shipping container, and/or burial vault, services of a funeral director, and 

transportation of remains to the cemetery are the responsibility of the family or other party that secured 

funeral services.

f. Arlington National Cemetery (ANC) is at another crossroads in its history. In about twenty-five years, 

ANC will run out of space as an active cemetery to honor our Nation's veterans. In order to significantly 

extend ANC's capacity, changes to either eligibility criteria and/or expansion of the cemetery's 

geographic footprint are required. Through Public Law 114-58, Congress directed the Secretary of the 

Army to provide this report to identify the current status and inform ways to extend the life expectancy of 
47

the cemetery well into the future. The Secretary of the Army's Report to Congress identified the current 

status of ANC, and options of future life. 

g.. Additional information concerning burial at Arlington National Cemetery, may be obtained from 

Superintendent, Arlington National Cemetery, Arlington, VA 22211; or by calling toll free 1 (877) 907-

8585; or visit the following Web site: http://www.arlingtoncemetery.mil.

8-4. Burial in Other National Cemeteries. 

Department of Veterans Affairs - National Cemetery Administration (NCA) has responsibility for national 

cemeteries, except Arlington and the Armed Forces Retirement Home. Contact the VA (1-800-827-1000) 

for more information; or go online to: http://www.cem.va.gov/cem/cems/arlington.asp.

8-5. Military Funeral Honors.

The Department of Defense (DOD) is responsible for providing military funeral honors. "Honoring Those 

Who Served" is the title of the DOD program for providing dignified military funeral honors to Veterans 

who have defended our nation.

Upon the family's request, Public Law 106-65 requires that every eligible Veteran receive a military 

funeral honors ceremony, to include folding and presenting the United States burial flag and the playing 

of Taps. The law defines a military funeral honors detail as consisting of two or more uniformed military 

persons, with at least one being a member of the Veteran's parent service of the armed forces. The DOD 

program calls for funeral home directors to request military funeral honors on behalf of the Veterans' 

family. However, the Department of Veterans Affairs (VA) National Cemetery Administration cemetery 

staff can also assist with arranging military funeral honors at VA national cemeteries. Veterans

organizations may assist in providing military funeral honors. When military funeral honors at a national 

cemetery are desired, they are arranged prior to the committal service by the funeral home. 

The Funeral Directors are a key to the success of the Department's initiatives to improve the delivery of 

Military Funeral Honors for veterans. The Funeral Director's understanding of how to obtain the honors, 

use of the toll free phone system to obtain honors and awareness that only the Funeral Director should 

request honors, will significantly support the entire effort. The cooperation and support of the Nation's 

Funeral Directors in this process are essential for the successful delivery of Military Funeral Honors for 

those who have faithfully served their country. The funeral director should make the request through a 

toll-free directory assistance number 1-877-MIL-HONR or the Casualty Assistance Center (CAC) in 

which the interment will be conducted

https://www.hrc.army.mil/content/Funeral%20Honors%20Navigation%20Page

https://www.hrc.army.mil/TAGD/Casualty%20Assistance%20Centers%20Locator.

8-6. Additional Information. 

Go to: https://www.hrc.army.mil/content/CMAOD

https://www.hrc.army.mil/TAGD/CMAOC.

Survivor assistance: https://soldierforlife.army.mil/retirement/survivor. 
48

CHAPTER 9: SURVIVOR ASSISTANCE

9-1. Overview.

a. This section will suggest some of the things Retired Soldiers can do now to help their families prepare 

for the future. It will also summarize the major benefits to which the surviving spouses and, in some 

cases, the children or parents of Retired Soldiers may be entitled. 

b. In planning for the future, it is important to remember that retired pay stops when the Retired Soldier

dies unless the Retired Soldier elected to participate in the Survivor Benefit Plan (SBP). Participation in 

the Retired Serviceman’s Family Protection Plan (RSFPP) is also possible if the retirement date was 

prior to September 21, 1972. A Retired Soldier was permitted to participate in both plans.

c. Retired Soldiers are responsible for ensuring their families understand that applications must be made 

to the appropriate government agencies before survivor benefits can be paid. It is also a Retired

Soldier’s responsibility to advise their families to file applications for all benefits for which they might be 

eligible. 

9-2. Preparing a Will.

a. One of the first steps that should be taken is to make a will, which expresses the Retired Soldier's 

desires for the distribution of an estate. A private attorney or a military legal assistance attorney should 

prepare a will. It is wise to use witnesses who live in the community and whose addresses are fairly 

permanent. An executor should be chosen who would be available to administer the estate and who 

qualifies under applicable State laws.

b. A will should be kept in a safe, known, and easily accessible place. The Department of the Army 

does not maintain a repository for wills. Estates can be settled faster if the will is retained locally.

9-3. Personal Affairs.

a. Lack of knowledge by the family regarding a deceased Retired Soldier's personal affairs may result in 

considerable inconvenience and even a loss of benefits to survivors. To minimize difficulties, keep a list 

of assets and the location of documents that will be needed to apply for them. A checklist is provided for 

your use at: https://soldierforlife.army.mil/retirement/PostRetirement listed under Information for Retired 

Soldiers and Family Members.

b. Various papers and documents should be readily accessible to the next of kin at the time of death. 

These include the will, life insurance policies, bank books, stocks and bonds, deeds to property, Social 

Security card, birth certificates, most recent retired pay statement, and final DD Form 214-Certificate of 

Release or Discharge from Active Duty, (and DD Form 215-Correction to DD Form 214, if applicable), 

and if a Reserve Retired Soldier, the "Notification of Eligibility for Retired Pay" letter (aka “20-Year 

Letter”).

c. It is important for the surviving spouse of a Retired Soldier to possess proof of marriage when 

applying for survivor benefits from the VA or Social Security. Equally important is proof of termination of 

any other marriages by the Retired Soldier or spouse.

9-4. Army Financial Assistance to Survivors. 

AER is the Army's own emergency financial assistance organization - dedicated to "Helping the Army 

Take Care of Its Own." AER is a private nonprofit organization incorporated in 1942 by the Secretary of 

War and the Chief of Staff of the Army. The following individuals are eligible for assistance from Army 

Emergency Relief:

• Soldiers retired from active duty because of longevity, or retired upon reaching age 60 (Reserve 

Component) and their eligible Family members.

• Widows(ers) and orphans of Soldiers who died while on active duty or while retired.

• Medically retired Soldiers and their eligible Family members.

Where to get assistance:

• If you are on an Army installation or have one within a 50-mile radius of your location, click here

www.aerhq.org
49

• For Navy Marine Corps Relief Society locations, http://www.nmcrs.org

• For Air Force Aid Society locations, http://www.afas.org

• For Coast Guard Mutual Assistance locations, http://www.cgmahq.org

• In the absence of a military base within a 50-mile radius of your location, AER has a reciprocal 

support agreement with the American Red Cross to assist Soldiers and their eligible Families. 

AER assistance is available by calling the American Red Cross at 877-272-7337. When dialing 

this number, select option 3 for financial assistance.

If a surviving spouse has an immediate (or later) need for financial assistance, application may be made 

at the nearest installation’s Army Emergency Relief (AER) office; at a local American Red Cross (ARC) 

chapter; directly to HQs, AER, Department of the Army, 200 Stovall Street, Alexandria, VA 22332; or for 

more information at http://www.aerhq.org

• • For Navy Marine Corps Relief Society locations, http://www.nmcrs.org

• For Air Force Aid Society locations, http://www.afas.org

• For Coast Guard Mutual Assistance locations, http://www.cgmahq.org

• In the absence of a military base within a 50-mile radius of your location, AER has a reciprocal 

support agreement with the American Red Cross to assist Soldiers and their eligible Families. 

AER assistance is available by calling the American Red Cross at 877-272-7337. When dialing 

this number, select option 3 for financial assistance.

If a surviving spouse has an immediate (or later) need for financial assistance, application may be made 

at the nearest installation’s Army Emergency Relief (AER) office; at a local American Red Cross (ARC) 

chapter; directly to HQs, AER, Department of the Army, 2530 Crystal Drive, Suite 13161, Arlington, VA 

22202; or for more information http://www.aerhq.org/dnn563/FinancialAssistance.aspx.

9-5. Reporting a Retired Soldier’s Death to Non-Army Agencies. 

You must report the Retired Soldier’s death in the following cases. The Retired Soldier was --

-- in receipt of compensation or pension from the VA. VA: 1-800-827-1000.

-- a VA life insurance policyholder. Veterans Group Life Insurance (VGLI): 1-800-669-8477.

-- in receipt of Social Security benefits. Social Security Administration (SSA): 1-800-772-1213.

-- a Civil Service Retired Soldier. Office of Personnel Management (OPM): 1-888-767-6738, or (202)

606-1800. Please provide OPM the deceased Retired Soldier’s full name and date of death, as well as 

the retirement claim number, if known, and SSN. 

9-6. Survivor Outreach Services (SOS):

SOS is an Army-wide program designed to provide dedicated and comprehensive support to survivors of 

deceased Soldiers. The program is a joint effort with collaboration from the Installation Management 

Command (IMCOM), the Family and Morale, Welfare and Recreation Command (FMWRC), the Casualty 

and Mortuary Affairs Operations Division (CMAOD), the Army National Guard and Army Reserve. SOS 

standardizes casualty services and policies across the Army and provides additional staffing at Casualty 

Assistance Centers and Active Component and Reserve Component family Programs. SOS responds to 

the need for specialized staff at Casualty Assistance Centers (CAC) to help Casualty Assistance Officers 

(CAO) support survivors, as well as adding additional staff that have the sole mission of providing 

continuing support to survivors.

By expanding and improving services to Families of the fallen, SOS ensures a holistic and multi-agency 

approach that provides comprehensive and consistent levels of service at the installation level and 

across all components to reach geographically dispersed Families. SOS will provide extended financial 

counseling assistance and long term support to surviving family members, ensuring that surviving 

Families’ concerns are addressed expeditiously and to the full extent of our covenant with the Army 

family.

To ensure survivors receive ongoing support, SOS support coordinators are available in the Army 

community service centers. These coordinators provide long-term support throughout the grief process, 

coordinate support groups, provide information and referral services, coordinate childcare as needed, 

and provide other services as required.

SOS is designed to:

• Ensure the Army fulfills its covenant with survivors through sustainment of a comprehensive multi-

 agency program that improves Soldier and family preparedness in the event of a catastrophic loss

• Maximize cooperative efforts within the Army casualty and family programs
50

• Extend support to Families both before and after a crisis by maximizing cooperation between 

 government and non-government agencies

• Ensure survivors receive all benefits to which they are entitled

• Encourage our survivors to remain an integral part of the Army family for as long as they desire.

Additional services based on DEERS eligibility and federally based entitlements are provided based on 

each Survivor's particular status.

https://www.hrc.army.mil/TAGD/Survivor%20Family%20Resources.

More information on Survivor Assistance can be located at 

https://soldierforlife.army.mil/retirement/survivor. 

9-7. Other Assistance to Survivors. 

Most military service and Veterans’ organizations stand ready to provide advice and assistance to a 

military Retired Soldier’s survivors.
51

CHAPTER 10: SURVIVOR BENEFITS

10-1. Final Pay-Arrears in Pay.

a. The entitlement to retired pay ceases on the date of a Retired Soldier's death. Eligibility to receive 

any portion of retired pay passes to a survivor only if the Retired Soldier elected to receive reduced 

retired pay during his/her lifetime to provide this benefit. (See paragraph 10-2 for details on the Survivor 

Benefit Plan (SBP). The person the Retired Soldier designates as the beneficiary for his/her Final Pay 

(aka Arrears of Pay--AOP) is eligible only for a one-time payment which represents the retired pay due 

the member from the last pay date to (and including) the date of death. The Defense Finance & 

Accounting Service – Cleveland Center (DFAS-CL) will notify the financial institution where the retired 

pay was sent requesting return of the full amount of retired pay deposited through Electronic Funds 

Transfer (EFT) after the Retired Soldier's death. To ensure that the final retired pay check is returned if 

already sent by DFAS-CL, the surviving Family members should also notify the bank, instructing them to 

return the final retired pay. The AOP beneficiary should then apply for the Retired Soldier’s final pay, 

using DD Form 1174, which is sent to the beneficiary on record by DFAS-CL. Proof of death must 

accompany the completed application when it is mailed to: DFAS, U.S. Military Retired Pay, P.O. Box 

7130, London, KY 40742-7130; or Faxed to 1-800-469-6559.

b. Retired paychecks which were sent by mail to a financial institution or directly to the Retired Soldier, 

and which were not cashed by the Retired Soldier before his/her death, must be returned to DFAS-CL. 

Upon receipt of a completed application DD Form 1174, DFAS-CL will send the portion of the final 

month’s pay rightfully accruing to the deceased Retired Soldier's account to the beneficiary of record. 

10-2. Survivor Benefit Plan.

a. Participation in the Survivor Benefit Plan (SBP) allows Retired Soldiers to provide an annuity to 

certain designated survivors (spouse, spouse and child, child, former spouse, former spouse and child, 

or person with an insurable interest).

b. Soldiers are automatically covered by SBP, at no cost, during their entire active duty career. At 

retirement, Soldiers must elect in writing the SBP beneficiary categories they wish to cover and the level 

of coverage they desire. They are permitted to decline continued participation in SBP or to decline to 

cover an eligible beneficiary category. If SBP is elected at retirement, Retired Soldiers are permitted to 

terminate or withdrawal from their SBP coverage (with spouse or former spouse concurrence) under the 

following circumstances:

• Retired Soldiers may terminate SBP coverage between the 25th and 36th month following the date 

they began to receive retired pay with spouse or former spouse concurrence. Requests for 

termination between the 25th and 36th month following the date of receipt of retired pay (effective 

date of retirement) will be submitted to DFAS on a DD Form 2656-2 (SBP Termination Request) 

and cannot be signed prior to the start of the 25th month following retirement. 

o No SBP premiums paid will be refunded, no annuity will be payable upon death, and SBP 

participation may not be resumed under any circumstance. SBP participation may not be 

resumed under any circumstance.

o Reservists who terminate SBP under this provision will continue to pay RCSBP premiums 

for RCSBP coverage previously received. 

o To terminate court ordered former spouse SBP, you must provide a copy of a court order 

which modifies all previous court orders pertaining to the former spouse election and 

permits the change of election.

o To terminate former spouse SBP based on a written agreement not incorporated into a 

court order only requires the former spouse’s concurrence on the DD form 2656-2. 

• Retired Soldiers may withdraw if they have been rated by the VA as totally service-connected 

disabled for ten or more continuous years (if rating is effective after last date on active duty) or not 

less than five continuous years if total disability rating is from the last date of active duty. 

Withdrawal is allowed because the Veterans Administration (VA) will presume the Retired Soldier’s 

death is service connected and the surviving spouse will receive VA Dependency and Indemnity 

Compensation. A request for withdrawal requires the written consent of the beneficiary. When the 

Retired Soldier dies, the surviving spouse will be entitled to a refund of all spouse SBP premiums 

paid. No SBP to include the amount of SBP that exceeds DIC will be paid to the surviving spouse.

• Retired Soldiers that combine their military and Federal civilian retirement may do one of the 

following: (1) drop military SBP in favor of the Civil Service Survivor Annuity; (2) keep military SBP, 

decline the Civil Service Survivor Annuity, and pay SBP costs directly to DFAS.
52

• A Retired Soldier with insurable interest coverage may voluntarily terminate coverage at any time 

without the beneficiary’s concurrence with the exception of an insurable interest election for 

former spouse prior to November 8, 1985. 

Otherwise, elections are considered generally permanent and irrevocable

c. You are responsible for updating your SBP election after retirement! Every issue of Army Echoes

reminds Retired Soldiers to update their Survivor Benefit Plan (SBP) election within one-year of events 

that change your dependents such as gaining a child, marriage, divorce, or death. Ignoring this reminder 

can result in a Retired Soldier or surviving spouse accumulating a substantial debt or, in some cases, 

losing SBP coverage for a dependent. To change an SBP election, unless otherwise noted, submit a DD 

Form 2656-6 (SBP Election Change Certificate) to the Defense Finance and Accounting Service (DFAS) 

with supporting documentation (divorce decree, marriage certificate, death certificate, birth certificate, 

adoption decree, or guardianship decree). The address is on the DD Form 2656-6. SBP premiums are 

suspended when DFAS is properly notified there is no eligible SBP beneficiary for an SBP category. 

However, a retired Reserve Soldier will continue to pay child RCSBP costs for the RCSBP coverage 

previously received even when there is no eligible child. The following are SBP election changes and 

actions needed to make the changes.

• Marriage or Remarriage after Retirement. Within one-year of remarriage, a Retired Soldier with 

suspended spouse SBP coverage must choose one of three options: (1) decline coverage for the 

new spouse and any future spouse; (2) increase coverage if the previous SBP election was for 

reduced spouse coverage; or (3) resume previous spouse coverage. The Retired Soldier must 

inform DFAS of the remarriage and choice of spouse SBP coverage by the first anniversary of the 

remarriage or, by law, the new spouse is automatically enrolled with the previous level of SBP 

coverage. The new spouse is the SBP beneficiary on the first anniversary of the marriage and the 

Retired Soldier owes SBP premiums from that date. When a Retired Soldier marries after 

retirement, the spouse is not an eligible SBP beneficiary until the first anniversary of the marriage. 

There are two exceptions that provide the spouse immediate SBP coverage prior to the first 

anniversary: (1) the marriage is to the former spouse who was the spouse the Retired Soldier 

elected spouse coverage at retirement or during the 21 September 1972 - 20 March 1974 SBP 

open enrollment (SBP coverage and costs are effective immediately); (2) Retired Soldier marries 

and has a child of that marriage, the new spouse is an eligible SBP beneficiary and premiums start 

effective at the birth of the child or at the one-year anniversary of the marriage, whichever is first.

• No Spouse at Retirement. A Retired Soldier, who was unmarried at retirement, is eligible to elect 

spouse SBP coverage during retirement. However, the Retired Soldier must provide DFAS an 

SBP election for the new spouse within one-year of the marriage or the spouse SBP category is 

closed for that spouse and any future spouse. SBP Premiums for the new spouse election start 

on the first anniversary of the marriage. 

• Retired Soldier SBP Actions at Divorce. If the Retired Soldier had spouse SBP coverage, the 

court may award former spouse SBP coverage in the divorce. The Retired Soldier has one-year 

from the date of the divorce to request voluntary, court-ordered, or based on a separate written 

agreement for former spouse SBP coverage. Former spouse SBP requests must be submitted to 

DFAS on a DD Form 2656-1 (SBP Election Statement for Former Spouse Coverage) with the 

divorce decree and any subsequent court orders or any separate written agreement providing 

former spouse SBP. Former spouse SBP premiums are retroactive to the date of divorce. If the 

Retired Soldier takes no action within one-year of divorce, the Retired Soldier is precluded by law 

from changing the SBP to former spouse. Retired Soldiers who do not want to change their SBP 

elections to former spouse, either voluntarily or court ordered, must submit a DD Form 2656-6 

(Survivor Benefit Plan Election Change Certificate) to DFAS with a copy of the divorce decree. 

DFAS will change the spouse SBP to suspended spouse coverage and stop the spouse SBP 

premiums retroactive to the date of divorce. If court ordered Former Spouse SBP and the 

Retired Soldier fails to change SBP election to former spouse within 1-year of divorce, Retired 

Soldier may be held in contempt of court. 

• Former Spouse “Deemed” SBP Election. If the court awarded former spouse SBP, the former 

spouse has one-year from the date of the first court order that addressed and awarded the former 

spouse SBP to submit a DD Form 2656-10 (SBP/RCSBP Request for Deemed Election) to DFAS 

with a copy of the divorce and court order awarding former spouse SBP or if a written agreement, 

provide the written agreement awarding former spouse SBP and any court order incorporating, 

ratifying, or approving the written agreement. “Deeming the SBP” ensures that if the Retired 

Soldier does not change the election to Former Spouse, the election will be changed as if the 

Retired Soldier had changed the SBP to Former Spouse. 
53

The Retired Soldier can only change the SBP election within one-year of the divorce. If the court 

order awarding former spouse SBP is one-year or more after the date of the divorce, only the 

former spouse can change the SBP election by deeming former spouse coverage.

• Changing Former Spouse SBP to Spouse at death of Former Spouse. Congress passed a 

law on November 25, 2015 that allows you to change your SBP election from former spouse to 

spouse after your former spouses death if either your former spouse’s death or your marriage is 

after November 24, 2015. 

o If you were married at your former spouse’s death and the death was after November 24, 

2015, you will have one year from the former spouse’s death to change your SBP election 

to spouse. The effective date of your spouse SBP coverage will be your former spouse’s 

date of death or the first anniversary of the remarriage, whichever is later. 

o If your former spouse died after November 24, 2015 and you remarry after your former 

spouse’s death, you will have one year from your first remarriage to change your SBP 

election to spouse. The effective date of your spouse SBP coverage will be the first 

anniversary of the remarriage.

o If your spouse died prior to November 25, 2015 and you remarried after November 24, 

2015, you will have one year from your first remarriage to change your SBP election to 

spouse. The effective date will be the first anniversary of the remarriage. 

o If your former spouse’s death and your remarriage were both prior to November 25, 2015, 

the law provided you a one year open enrollment period that ended on November 24, 2016 

to change your SBP election to spouse coverage. 

• New Child SBP Coverage. Retired Soldiers with no eligible children at retirement may elect child 

SBP within one-year of acquiring the first eligible child after retirement. Follow the procedures 

outlined in this section, paragraph c. Notifying DFAS of SBP Election Changes. Failure to request 

SBP for the first dependent child following retirement closes the child SBP category. If the Retired 

Soldier already has child SBP coverage, the Soldier should notify DFAS-CL that he/she have an 

additional dependent child and provide the documentation to verify the child’s legal dependency. 

• Changing Insurable Interest Beneficiary. Within 180 days of the death of his/her insurable 

interest beneficiary, a Retired Soldier may elect in writing a new insurable interest beneficiary. For 

this election to be valid, the Retired Soldier must live two years past the effective date of the 

election. If the Retired Soldier dies before the end of the two years, the election is invalid and any 

premiums paid for the new insurable interest election will be paid to the Retired Soldier’s SBP 

beneficiary. The premium for the new insurable interest beneficiary will be based on the age of the 

new beneficiary. Any premium increases due to age difference between the Retired Soldier and 

the new beneficiary will be applied retroactively to the entire period of the insurable interest 

election.

d. You can contact the nearest Retirement Services Officer (RSO) for assistance. RSO contact 

information is available on the Soldier for Life Homepage at 

https://soldierforlife.army.mil/retirement/rso.html.

10-3. Annuities for Certain Military Surviving Spouses.

a. Per Public Law (P.L.) 105-85, November 18, 1997; amended by P.L. 106-65, October 5, 1999, certain 

Surviving spouses of military Retired Soldiers and Reserve Soldiers qualified for Reserve non-regular 

retirement but not in receipt of retired pay were eligible to receive a monthly payment of $165 (since 

increased by Cost-of-Living Adjustments, COLA). The acronym for the program is ACMSS. It is 

commonly referred to as the "Forgotten Widows" benefit. 

b. Background. Congress determined that this payment was necessary to compensate surviving 

spouses of military Retired Soldiers who died before having the opportunity to enroll in the Survivor 

Benefit Plan (SBP) or the Reserve Component SBP (RC-SBP).

c. Qualifications: 

November 18, 1997 law: 

(1) A surviving spouse of a Retired Soldier who died before March 21, 1974 (the end date of the initial, 

18-month SBP Open Enrollment Season) was retired prior to September 21, 1972, and who was in 

receipt of retired pay at the time of death; and 
54

(2) A surviving spouse of a qualified Reserve member (i.e., “qualified” is one who had completed 20 

qualifying years of service) but was not yet age 60 and in receipt of retired pay. This member must have 

died between September 21, 1972 and October 1, 1978 (date RC-SBP was created).

October 5, 1999 law: Dates of death for Reserve members were expanded to include deaths that 

occurred any time before October 1, 1978.

d. Application of the Barring Act. Under the Barring Act, the government will not pay (by law) an amount 

otherwise owed beyond six years. The ACMSS entitlement program is more than six years old, so an 

applicant applying now and meeting either set of qualifications (December 1, 1997; or October 1, 1999) is 

limited to receiving payments retroactive only from the date of the ACMSS application, not the effective 

date of either law.

e. Disqualifiers. The following conditions make an applicant ineligible for ACMSS:

• Remarriage ever (even if currently un-remarried)(ineligible from date of first remarriage); 

• Receipt of Dependency & Indemnity Compensation (DIC) from the VA is not a disqualifier but results 

in a dollar for dollar offset of the ACMSS annuity. 

• Receipt of Retired Serviceman's Family Protection Plan (RSFPP) from DOD; or 

• Receipt of Minimum Income Widow (MIW) payments from DOD. 

f. Application Process. The application form, DD Form 2769, is available online at: 

http://www.dtic.mil/whs/directives/forms/eforms/dd2769.pdf or from an Army Retirement Services Officer 

(RSO). 

g. Approval Authority. The Director, Army Retirement Services is the Secretarial Designee to approve 

ACMSS applications from qualified surviving spouses. If the application is approved, it is forwarded for 

payment to DFAS-CL. Whether approved or disapproved, the applicant is notified of the disposition, and 

documents that accompanied the application are returned.

i. Annuity Amount. ACMSS annuities are increased annually by the same Cost-of-Living Adjustment 

(COLA) that is applied to military retired pay and SBP annuities.

10-4. Death Gratuity. 

a. A tax-free, lump-sum death gratuity payment (currently $100,000) is made to survivors of Retired 

Soldiers when death occurs during the 120-day period immediately following retirement. DFAS-CL 

issues this payment only if the VA determines the death was caused by an illness or injury incurred while 

the Retired Soldier was on active duty. Visit the Web site below to find details on what status the term 

“active duty” encompasses on this topic. 

b. The death gratuity payment is made to survivors of the deceased in this order: 

(1) To the lawful surviving Spouse of the Service member, if any;

(2) If there is no surviving Spouse, to any surviving Children of the Service member.

(3) If there is none of the above, to the surviving parents of the Service member. 

(4) If there is none of the above, to the duly appointed executor or administrator of the estate of the 

Service member. 

(5) If there is none of the above, to other next of kin of the Service member entitled under the laws of 

domicile of the Service member at the time of the Service member's death.

c. The claim form required to apply for this benefit is DD Form 397, Claim Certification and Voucher for 

Death Gratuity Payment. Find it online at: http://www.esd.whs.mil/Directives/forms/dd0001_0499/

d. Additional information on this topic is at:

https://www.hrc.army.mil/TAGD/Death%20Gratuity
55

10-5. Government Insurance.

If the Retired Soldier had National Service Life Insurance (NSLI) or U.S. Government Life Insurance 

(USGLI) at the time of death, the VA will provide the beneficiary with the necessary forms and 

instructions for making application for insurance payments. Survivors who believe they are insurance 

beneficiaries but who do not receive application forms and instructions should request them from the 

nearest VA Regional Office or from the VA Regional Office and Insurance Center, P.O. Box 7208, 

Philadelphia, PA 19101. Identification of government insurance policies by number will expedite 

payment of claims. Effective March 1, 2013, the Department of the Treasury has mandated that all 

payments must be made via Electronic Fund Transfer (EFT) and they will no longer send paper checks. 

This means that in order to receive a life insurance payment, VA must send the payment via EFT directly 

to your bank.

10-6. Dependency and Indemnity Compensation.

a. Dependency and Indemnity Compensation (DIC) is an annuity payable by the VA to certain survivors 

of Retired Soldiers whose death is determined to be the result of a service-connected disability. In order 

for DIC to be payable, the Retired Soldier's death must result from --

(1) Disease or injury incurred or aggravated in the line of duty while on active duty or active duty for 

training; or

(2) Injury incurred or aggravated in the line of duty while on Inactive Duty for Training (IDT) status.

b. Authorized Beneficiaries. DIC is authorized for surviving spouses and unmarried children under age 

18 (as well as those between 18 and 23 if attending a VA-approved school) of certain Veterans who were 

totally service-connected disabled at time of death and whose death was not necessarily the result of a 

service-connected disability, if: 

(1) the veteran was so rated for a period of not less than 5 years if awarded immediately upon last 

discharge from military service. 

(2) the veteran was continuously rated totally disabled for a period of 10 or more years, if not awarded 

immediately upon retirement; or in the case of a surviving spouse of a veteran/Retired Soldier, the 

marriage to the veteran must have been in effect at least one-year immediately preceding the death of 

the veteran. (Note: There is no length-of-marriage requirement in active duty deaths.)

c. Other Benefits. DIC payments are tax-free and not subject to seizure by creditors of either the Retired 

Soldier or the beneficiary. DIC receipt has no relation to a family member’s receipt of Social Security 

benefits. However, the surviving spouse’s SBP annuity will be reduced by the dollar amount of the DIC 

payment. 

d. Spouse Payment. VA will make monthly DIC payments to the eligible surviving spouse of a Retired 

Soldier whose cause of death is determined to be service-connected. Payments are made in addition to 

any other income received by the surviving spouse, but offset the spouse’s SBP entitlement dollar-fordollar. Only an SBP amount above the DIC amount is payable to the surviving spouses. The advantage 

to receiving DIC payments is that they are tax-free. A more in-depth breakout of amounts payable are 

found at: http://www.benefits.va.gov/Compensation/current_rates_dic.asp.

e. Child Payment. The DIC award will be increased for each child under age 18, and for each child over 

18 who became permanently incapable of self-support before reaching age 18. A more in-depth breakout 

of amounts payable are found at: http://www.vba.va.gov/bln/21/rates/comp03.htm#BM07.

f. Surviving Spouse Remarriage. DIC payments terminate if the surviving spouse remarries before age 

57 (a December 16, 2003 law changed the remarriage age from 55 to 57). DIC eligibility can be restored 

if the subsequent marriage is dissolved by death or divorce. If eligible for both SBP and DIC, remarriage 

after age 57 will allow receipt of SBP without an offset by DIC. 

g. Child Eligibility. If there is no surviving spouse entitled to DIC it may be paid to the children of a 

Retired Soldier meeting the conditions outlined above. To be eligible for DIC payments, a child must be: 

(1) unmarried;

(2) under the age of 18 (unless permanently incapable of self-support before age 18 or 23); 

(3) pursuing a full-time course of instruction at an approved educational institution. 

A child who qualifies in this category may continue to receive compensation payments until he or she 

reaches age 23, terminates education, or marries, whichever occurs first.
56

h. Adopted and Stepchildren. A legally adopted child or a stepchild also may qualify for DIC. 

i. Parent or Parent-in-Law. DIC may be paid to a parent/parents of an active or Retired Soldier whose 

death is the result of a service-connected disability regardless of whether a surviving spouse or child is 

also being compensated. The term "parent" includes father, mother, father by adoption, mother by 

adoption, or the person who last stood in loco parentis to the deceased member before his/her entry into 

the service. This payment is based on their annual income.

j. Aid and Attendance. Surviving spouses and parents who qualify for DIC may be granted a special 

allowance for aid and attendance if they are patients in a nursing home, helpless or blind, or so nearly 

helpless or blind as to require the regular aid and attendance of another person.

k. Housebound Allowance. Surviving spouses who qualify for DIC who are not so disabled as to require 

the regular aid and attendance of another person but who, due to disability, are permanently 

housebound, may be granted a special monthly allowance in addition to the DIC.

l. Additional DIC information is available at 

http://www.benefits.va.gov/COMPENSATION/types-dependency_and_indemnity.asp

10-7. Survivors Benefits Pension (Formerly Death Pension)

a. VA will pay a death pension to a surviving spouse whose income falls below a level of support related 

to a national standard of need. Pensioners will generally receive benefits equal to the difference 

between their annual income from all sources and the appropriate income standard. In determining 

eligibility and the amount of benefits payable, all outside income is considered with exclusions for certain 

unusual one-time payments or expenditures.

b. Benefits are increased annually at the same time and by the same percentage as Social Security 

benefits (effective each December 1st; payable in the January 1st check). Most surviving spouses entitled 

to SBP will receive too much income to qualify for the needs-based death pension.

c. Application for the death pension is made on the same form as application for DIC payment and 

should be submitted in the same manner.

d. A surviving spouse who is granted a death pension will receive an annual income questionnaire from 

the VA, where they will be required to report their annual income and expected income for the coming 

year.

e. It is important that a surviving spouse who is receiving death pension payments report promptly to VA 

any change in income during the calendar year. Early notification to VA will save the inconvenience of 

being called upon to refund pension payments that have been received.

10-8. Loan Guarantee. 

Some spouses of Veterans may have home loan eligibility. They are the unmarried surviving spouse of a 

Veteran who died as a result of service or service-connected causes; the surviving spouse of a Veteran 

who dies on active duty or from service-connected causes, who remarries on or after attaining age 57 

and on or after December 16, 2003; the spouse of an active duty member who is listed as missing in 

action (MIA) or a prisoner of war (POW) for at least 90 days. 

10-9. Survivors and Dependents’ Educational Assistance Program.

Educational assistance is available to surviving spouses and children of Retired Soldiers who are rated 

by VA as totally disabled by reason of service-connected disability or who die of injury or disease 

incurred or aggravated during wartime or in the performance of military duties during peacetime. 

Education benefits are normally paid for 10 years from the Retired Soldier's death. However, the 

surviving spouse of a member who dies while serving on active duty may receive 20 years in which to 

use these benefits (P.L. 108-454, December 10, 2004, Veterans Benefits Improvement Act of 2004, 

§105.) Children are eligible until age 26, although benefits may be extended in some circumstances. 

Find additional information on the Dependents’ Educational Assistance (DEA) program at: 

http://www.benefits.va.gov/gibill/survivor_dependent_assistance.asp
57

10-10. Social Security.

Survivors may apply for Social Security benefits at the same time they apply for DIC or VA death 

pension. The substantiating evidence they submit to VA may also be used by the Social Security 

Administration (SSA). However, survivors must still make application for Social Security benefits to a 

SSA office. Submission of separate applications with required substantiating evidence to VA and the 

SSA will expedite the processing of claims for compensation or pension and Social Security benefits.

10-11. Civil Service Survivor Annuities.

a. If a Retired Soldier dies while employed by the Federal Government after at least 18 months of 

creditable Federal civilian service, the surviving spouse and children will automatically get an annuity 

equal to 55 percent of what is called the “earned annuity”, provided they were married for at least 9 

months (or there is a child born of the marriage). This annuity is payable immediately upon the death of 

the employee.

b. Dependent children of a Retired Soldier who dies while employed by the Federal Government after at 

least 18 months of creditable civilian service are also entitled to an annuity. Their annuities will continue 

until the earliest date that they marry, reach 18 (age 22 if in school full time), or die.

c. Inquiry may be made to the U.S. Office of Personnel Management, 1900 E Street NW, Washington, 

DC 20415; phone (202) 606-1800; or TTY (202) 606-2532.

d. Additional information can be found online at: https://www.opm.gov/.

10-12. Civil Service Preference.

a. 10 points are added to the exam scores of unmarried surviving spouses of deceased Retired Soldiers

who served on active duty during any war, or in any campaign or expedition for which a campaign badge 

or service medal was authorized.

b. Mothers. The (natural) mother of a Retired Soldier, who became permanently and totally disabled 

because of a service-connected disability, is entitled to 10-point preference provided

(1) that she was married to the father of the Retired Solder and the father is permanently and totally 

disabled. 

(2) is now widowed, divorced, or separated from the Retired Soldier’s father and has not remarried

(3) or is widowed or divorced for the Retired Soldier’s father and have remarried, but are now widowed, 

divorced or separated from the husband of your remarriage. .

c. Most civil service positions are filled through competitive examinations. Persons entitled to 10-point 

preference for federal civil service employment must attain an eligibility rating in a civil service 

examination before the 10 points can be added.

d. Information concerning available federal employment and civil service examinations may be obtained 

from the official job site USA Jobs, online at https://www.usajobs.gov. Examination announcements and 

application forms also may be obtained from most post offices throughout the U.S. 

10-13. State Benefits.

MAB provides facts sheets for every state and territory covering the benefits they provide Soldiers, 

Veterans, Retirees and Survivors. Each state is different in their approach to the military and veterans 

and should be reviewed by Soldiers considering retirement. For example, MAB State fact sheets can be 

reviewed to ascertain whether military, active duty and retired military or disability pay are exempted from 

state taxes, or whether individuals and disabled veterans are exempted from property or sales taxes or 

granted special education assistance and benefits. In some instances, benefits similar to federal tax 

cancellation exist with respect to income, estate, or inheritance taxes. Many states have passed laws 

providing certain rights, benefits, and privileges to surviving spouses and children of deceased Soldiers. 

These include bonuses, educational assistance, employment preference, tax exemptions, and others. 

Further information is also provided in the MyArmyBenefits State Fact Sheets about other laws of a 

particular state and points of contact for local government, and State Agencies for Veterans Affairs.

http://myarmybenefits.us.army.mil/Home/Benefit_Library/State__Territory_Benefits.html

.
58

CHAPTER 11: RETIREMENT HOMES

11-1. The Armed Forces Retirement Home.

a. Overview. In 1990, Congress passed Public Law 101-510, Title XV, "The Armed Forces Retirement 

Home Act of 1991," which created an independent establishment in the Executive Branch of the Federal 

government incorporating the United States Soldiers' and Airmen's Home (USSAH) in Washington, DC, 

and the U.S. Naval Home (USNH) in Gulfport, Mississippi, into the Armed Forces Retirement Home 

(AFRH). The two AFRH facilities are referred to as AFRH-Washington and AFRH-Gulfport.

b. Eligibility. Veterans are eligible to become a resident of the AFRH if their active duty service in the 

military was at least 50 percent enlisted, warrant officer or limited duty officer and who 

--Are 60 years of age or older; and were discharged or released under honorable conditions after 20 or

more years of active service.

--Are determined to be incapable of earning a livelihood because of a service-connected disability 

incurred in the line of duty.

--Served in a war theater during a time of war declared by Congress or were eligible for hostile-fire 

special pay and were discharged or released under honorable conditions; and are determined to be 

incapable of earning a livelihood because of injuries, disease or disability. 

--Served in a women's component of the armed forces before June 12, 1948; and are determined to be 

eligible for admission due to compelling personal circumstances

c. Special Conditions. Applicants must be free of drug, alcohol, and psychiatric problems, and never 

have been convicted of a felony. Married couples are welcome, but both must be eligible in their own 

right. At the time of admission applicants must be able to live independently. As an example of this, they 

must be able to take care of their own personal needs, attend a central dining facility for meals and keep 

all medical appointments. If increased health care is needed after being admitted, assisted living and 

long term care are available at both campuses. 

d. Fees. Resident fees for the AFRH are as follows: 

-- Independent living residents, 35 percent of total current income, but not to exceed $1,348/month.

-- Assisted living residents, 40 percent of total current income, but not to exceed $2,019/month.

-- Long-term care residents, 65 percent of total current income, but not to exceed $3,364/month.

More information can be obtained at 

http://myarmybenefits.us.army.mil/Home/Benefit_Library/Federal_Benefits_Page/Armed_Forces_Retirem

ent_Home_.html?serv=148

11-2. AFRH—Washington.

When prospective residents enter the Washington campus for the first time, they are stunned by its 

majestic views, rolling hills, tranquil lakes and historic landmarks. Nestled on 272 acres in the heart of 

our nation’s capital, just minutes from the White House, U.S. Capitol and other national landmarks, the 

Home once housed four U.S. Presidents, including Abraham Lincoln. Considered a city within a city, the 

campus features everything our residents need for daily living: 400 plus private rooms for independent 

living equipped for cable television and telephones, banks, chapels, convenience store, post office, 

laundry, barber shop and beauty salon, dining room, and 24- hour security and staff. More information 

can be obtained online at: https://www.afrh.gov/washington-residents. 

11-3. AFRH—Gulfport. 

The Gulfport facility is located on 40 acres of prime waterfront land on the Mississippi Sound. The 

Gulfport facility has been home to former enlisted and warrant officer service members since 1976. It 

features a multi-tower complex for Independent Living, Assisted Living, Long term Care and Memory 

Support. Full amenities include dining, social, recreational, and therapeutic activities, a swimming pool, 

hobby shops, a wellness center with basic dental and eye care, a bank, a barber and beauty shop, 

bowling areas, movie theater, a computer room and library, plus a private walkway to the beach.

More information can be obtained online at: https://www.afrh.gov/gulfport-residents. 

11-4. Additional Information. 

Details on AFRH can be obtained online at: https://www.afrh.gov/, or by writing to AFRH-Washington, 

3700 N. Capitol St. NW, Washington, DC 20317; and AFRH-Gulfport, 1800 Beach Drive, Gulfport, MS 

39507,or calling 1-800-422-9988. 
59

If you have general questions about the AFRH, please send an email to admissions@afrh.gov. Please 

specify a particular campus in your subject line.

11-5. State Veterans Homes. State Veterans Homes are facilities that provide nursing home, 

domiciliary or adult day care. They are owned, operated and managed by state governments. To 

participate in the State Veterans Home program, VA must formally recognize and certify a facility as a 

State Veterans Home. VA then surveys all facilities each year to make sure they continue to meet VA 

standards.VA does not manage State Veterans Homes. For more information please go to: 

http://www.va.gov/GERIATRICS/Guide/LongTermCare/State_Veterans_Homes.asp

To participate in the State Veterans Home program, VA must formally recognize and certify a facility as a 

State Veterans Home. VA then surveys all facilities each year to make sure they continue to meet VA 

standards. VA does not manage State Veterans Homes.

Your eligibility for State Veterans Homes is based on clinical need and setting availability. Each 

State establishes eligibility and admission criteria for its homes. Some State Veterans Homes may admit 

non-Veteran spouses and gold star parents while others may admit only Veterans.

A recognized State Veterans Home may receive payments from VA to help defray the cost of care 

provided to Veterans. The cost to you varies by state. VA does not pay for care for non-Veterans.

For more specific information, a listing of states’ points of contact is found online at: 

http://www.va.gov/statedva.htm.
60

CHAPTER 12: UNIFORMED SERVICES FORMER SPOUSES’ PROTECTION ACT

12-1. Overview. 

The legal ramifications associated with the dissolution of a marriage should not be taken lightly. 

Competent legal advice should always be sought. Each person must seek legal advice to feel satisfied, 

not confused, by the proceedings. Title 10, U.S. Code, is a public document, available to all lawyers. In 

addition, because state laws differ and because it is state law that governs divorce proceedings and 

decrees, it is important that your legal advisor have complete knowledge of the divorce laws applicable to 

the state under which the divorce will be granted, and in particular, be well-versed in military divorce 

procedures.

12-2. Effective Date. 

Public law 97-252 enacted on September 8, 1982 contained the provisions commonly known as the 

Uniformed Services Former Spouses’ Protection Act (USFSPA). Prevents division of retired pay when 

the divorce was finalized prior to June 26, 1981.

12-3. Disposable Retired Pay. 

Only “disposable” retired pay can be divided between the Retired Soldier and the former spouse. The 

term disposable retired pay means the total monthly retired pay to which a member is entitled: 

-- less amounts owed by that member to the United States for previous overpayments of retired pay and 

for recoupment required by law resulting from entitlement to retired pay;

-- less amounts deducted from the retired pay of such member as a result of forfeiture of retired pay 

ordered by a court-martial or as a result of a waiver of retired pay required by law in order to receive 

compensation under Titles 5 and/or 38, U.S. Code;

-- (in the case of a member entitled to retired pay under chapter 61 of Title 10) equal to the amount of 

retired pay of the member under that chapter of law computed using the percentage of the member’s 

disability on the date when the member was retired, or the date on which the member's name was placed 

on the temporary disability TDRL; or

-- less amounts deducted because of an election under chapter 73, Title 10, U.S. Code to provide an 

annuity to a spouse or former spouse to whom payment of a portion of such member's retired pay is 

being made pursuant to a court order under this section. 

12-4. Authority for a Court to Treat Retired Pay as Property of the Member and Spouse.

a. Subject to the limitations of Title 10, U.S. Code, a state court may treat disposable retired pay payable 

to a member for pay periods beginning after June 25, 1981, either as property solely of the member, or 

as property of the member and his spouse in accordance with the law of the jurisdiction of such court. A 

court may not treat retired pay as property in any proceedings to divide or partition any amount of retired 

pay of a member as the property of the member and the member's spouse or former spouse if a final 

decree of divorce, dissolution, annulment, or legal separation (including a court ordered, ratified, or 

approved property settlement incident to such decree) affecting the member and the member's spouse or 

former spouse (A) was issued before June 26, 1981, and (B) did not treat (or reserve jurisdiction to treat) 

any amount of retired pay of the member as property of the member and the member's spouse or former 

spouse.

b. Notwithstanding any other provision of law, this section does not create any right, title, or interest 

which can be sold, assigned, transferred, or otherwise disposed of (including by inheritance) by a spouse 

or former spouse. Payments by the Secretary concerned under subsection (d) 10 U.S. Code §1408 -

Payment of Retired or Retainer Pay in Compliance with Court Orders to a spouse or former spouse with 

respect to a division of retired pay as the property of a member and the member's spouse under this 

subsection may not be treated as amounts received as retired pay for service in the uniformed services.

IAW Title 10 United States Code §1408.

c. This section does not authorize any court to order a member to apply for retirement or retire at a 

particular time in order to effectuate any payment under this section.

d. A court may not treat the disposable retired pay of a member in the manner described above unless 

the court has jurisdiction over the member by reason of: (A) his residence, other than because of military 

assignment, in the territorial jurisdiction of the court; (B) his domicile in the territorial jurisdiction of the 

court; or (C) his consent to the jurisdiction of the court.
61

12-5. Court-Ordered SBP. 

a. Since November 14, 1986, state courts have been permitted to order a member to participate in SBP 

for the member’s former spouse. This pertains both to active duty members who can be ordered to elect 

SBP coverage for a former spouse at retirement, and to Retired Soldiers with spouse coverage, who 

must convert the category to “former spouse.” Note that courts cannot order a Retired Soldier to provide 

former spouse coverage unless the member previously had spouse coverage for the now-former spouse.

b. When divorce occurs after retirement, former spouse SBP coverage will be in the same amount as 

spouse coverage. In active duty divorces, the specific level of coverage to be elected can be directed by 

the court order. 

c. If the former spouse remarries before age 55, SBP eligibility is lost and SBP participation by the 

Retired Soldier is suspended, with no costs owed during the period of ineligibility. The SBP remains the 

Former Spouse’s property if court ordered, by written agreement, or voluntary. Therefore, if that 

remarriage ends, eligibility is restored; participation is resumed, as are SBP costs. Marital status 

changes must be documented and reported to DFAS-CL immediately.

d. A former spouse has one-year from the date of the first court order awarding former spouse SBP to 

make a written request to DFAS-CL for a deemed former spouse election. Providing DFAS-CL a copy of 

the divorce decree does not constitute a request for a deemed election. By law, a specific written 

request must be made. The form to request a deemed former spouse election is DD Form 2656-10, 

Survivor Benefit Plan(SBP) Reserve Component (RC) SBP Request for Deemed Election. If a Retired 

Soldier or retiring Soldier fails to make the former spouse election, based on a timely correct DD Form 

2656-10, DFAS will change the election to former spouse or former spouse and child as if the election 

was made by the Retired Soldier. A member, if retired, has one-year from the date of the court order to 

change his/her election from spouse to former spouse. 

12-6. Additional Information. More complete information may be obtained by contacting a Retirement 

Services Officer; an installation Judge Advocate General (JAG) officer; or by going online to the Army 

Retirement Services Office Web site: https://soldierforlife.army.mil/retirement/usfspa. 
62

CHAPTER 13: VA BENEFITS

13-1. Overview. 

Many of these benefits will come from the Department of Veterans Affairs (VA) based on the following 

timetable. 

13-2. VA Benefits Timetable. 

Many VA benefits have time limits on how long a Veteran is eligible to take advantage of them. A listing 

of VA benefits and the time frame for application follows:

-- Dental treatment. VA provides necessary dental care but you must apply within 180 days of discharge 

(under conditions other than dishonorable) from a period of active duty of 90 days or more. The time limit 

does not apply to Veterans with dental disabilities resulting from combat wounds or service injuries. 

One-time dental care if your DD214 certificate of discharge does not indicate that a complete dental 

examination and all appropriate dental treatment had been rendered prior to discharge. 

-- Education. You may be eligible for educational assistance while you pursue approved training if you 

participated in either the Post-Vietnam Era Veterans' Educational Assistance Program (VEAP) (Chapter 

32), or the Montgomery GI Bill (Chapter 30) while on active duty; or, if you had entitlement under the 

Vietnam Era GI Bill (Chapter 34) remaining on December 31, 1989, and were on active duty from 

October 19, 1984, through June 30, 1988, without a break; or were on active duty from October 19, 1984, 

through June 30, 1987, and subsequently entered into the Selected Reserve under a four-year 

enlistment. For members of the Montgomery GI Bill -- Selected Reserve (Chapter 106), benefits will end 

on the date of separation from the Selected Reserve or 10 years from the date eligibility began, 

whichever happens first. Additional information on education benefits can be found at: 

http://www.goarmy.com/benefits/education-benefits.html; or http://www.gibill.va.gov. For those who 

served after September 10, 2001 you may be entitled to the Post 9/11 GI Bill (Chapter 33). The Post 9/11 

GI Bill provides education benefits for Servicemembers who have served on active duty for 90 or more 

days since Sept. 10, 2001. The Post-9/11 GI Bill can pay your full tuition & fees at school, provide you 

with a monthly housing allowance while you are going to school, and give you up to $1,000 a year to use 

for books and supplies. It also differs in that it allows eligible Servicemembers to transfer their unused 

benefits to eligible family members. For additional information and access to the GI Bill comparison tools 

visit this website: http://www.benefits.va.gov/gibill/.

-- Life insurances.

• Veterans Group Life Insurance (VGLI). Servicemembers’ Group Life Insurance (SGLI) may be 

converted to VGLI, which is a five-year, renewable, term policy. It is available in an amount not 

exceeding $400,000, and cannot exceed the amount of SGLI coverage in force at the time of 

separation/retirement. Premiums are age-based. At any time, VGLI may be converted to an 

individual commercial policy with a participating insurance company (VA will provide you a list of 

participating companies). No physical is required if the conversion from SGLI to VGLI occurs within 

120 days following retirement, but application must include proof of good health if made within oneyear and 120 days after retirement. 

• Service Disabled Veterans Insurance (SDVI). VA life insurance is available for Veterans with 

service-connected disabilities. Veterans who are totally disabled may apply for a waiver of 

premiums, and for additional insurance after six months.

• Veterans’ Mortgage Life Insurance (VMLI). VMLI provides up to $200,000 mortgage life insurance.

This is mortgage protection insurance issued to those severely disabled Veterans who have received 

grants for Specially Adapted Housing from VA. Veterans must apply for VMLI before their 70th 

birthday.

-- Vocational rehabilitation. For certain disabled Veterans, you may be entitled to services with 

Vocational Rehabilitation and Employment (VR&E) to help with job training, employment 

accommodations, resume development, and job seeking skills coaching. Other services may be provided 

to assist Veterans in starting their own businesses or independent living services for those who are 

severely disabled and unable to work in traditional employment. For additional information on how to 

apply, visit the following website: http://www.benefits.va.gov/vocrehab/index.asp
63

-- Disability compensation. VA pays compensation for disabilities incurred in or aggravated by military 

service. Compensation is tax-free. If you are an eligible retiree you might be entitled, based on 

qualifications, for full concurrent receipt without monetary off sets. In order to better understand 

concurrent receipt entitlements you access the following website for additional information: 

http://www.dfas.mil/retiredmilitary/disability/crdp.html.

-- Medical care. VA provides a wide range of care benefits to Veterans with a service-connected 

disability and to non-service-connected Veterans who qualify. Readjustment counseling is available at 

VA vet centers for Veterans with readjustment concerns.

-- GI home loan guarantee. VA helps Servicemembers, Veterans, and eligible surviving spouses to 

become homeowners. VA provide a home loan guaranty benefit and other housing-related programs to 

help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA Home Loans 

are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the 

loan, enabling the lender to provide you with more favorable interest rate and purchase terms.

-- Employment assistance. VA assistance is available in finding employment in private industry or 

government (federal, state and local). Note: The Unemployment Compensation program is administered 

by the states as agents of the federal government. The Department of Labor’s (DOL) website, 

http://www.dol.gov/dol/location.htm, contains links for each state’s benefits, including D.C. and Puerto 

Rico. The amount of the benefit and the payment period varies. Apply as soon as possible after 

retirement. Normally, retired pay will reduce unemployment benefits dollar for dollar.

13-3. Additional Information. 

Details on all VA programs and benefits are available online at http://www.va.gov; or by calling 1-800-

827-1000; or contacting your state or county VA official (government pages of phone book). You can also 

register for an eBenefits account at https://www.ebenefits.va.gov/ebenefits/homepage. eBenefits is a 

joint VA/DOD web portal that provides resources and self-service capabilities to Veterans, Service 

members, and their families to research, access and manage their VA and military benefits and personal 

information. eBenefits uses secure credentials to allow access to personal information and gives users 

the ability to perform numerous self-service functions. It also provides a list of links to other sites that 

provides information about military and Veteran benefits. It is an essential way for Veterans, Service 

members, and their families to receive access to and service from VA and DOD.
64

CHAPTER 14: SOCIAL SECURITY

14-1. Overview.

a. Most Retired Soldiers and their families, or their survivors will be eligible to receive monthly Social 

Security payments when they reach Social Security retirement age. 

b. Social Security benefits are administered by the Department of Health and Human Services (DHHS). 

Only that agency can make the final determination as to whether or not Social Security benefits are 

payable. More detailed information on retirement and survivor benefits and many other aspects of Social 

Security is provided in the booklet, “Retirement Benefits”, SSA Publication No. 05-10035, 

January 2015, available online at: http://www.ssa.gov/pubs/EN-05-10035.pdf, published by the 

Department of Health and Human Services. A copy of this and other informative publications may be 

obtained at any Social Security office in the U.S., or by calling 1-800-772-1213; or online at 

http://www.ssa.gov.

14-2. Eligibility Requirements for Social Security Benefits.

a. On January 1, 1957, military members began participating in the Social Security system while 

performing active duty. Social Security tax, or FICA, is not, however, deducted from retired pay, as that 

is considered “deferred” income, not “earned” income.

b. A person becomes insured for Social Security benefits through the quarters of coverage earned in 

employment covered by the Social Security law. Generally, a quarter of coverage is a 3-month period 

beginning January 1st, April 1st, July 1st, or October 1st in which the worker (in most occupations, including 

military service) had the minimum required earnings.

c. A Retired Soldier has earned one quarter of coverage for every calendar quarter or part of a calendar 

quarter served on active duty during a period in which he or she was eligible for Social Security wage 

credits. The number of quarters of coverage a Retired Soldier has earned before reaching retirement 

age determines eligibility for Social Security benefits.

d. To be eligible for retirement benefits, the Retired Soldier must be fully insured. Once a Retired

Soldier has earned 40 quarters of coverage, he or she is fully insured for life. Soldiers who were on 

active duty for at least 10 years have earned 40 quarters of coverage and are, therefore, fully insured.

e. While the number of quarters of coverage earned determines whether benefits are payable, a Retired

Soldier can increase his/her future Social Security benefit amount by continuing to work in Social 

Security covered employment after retirement.

f. Military retired pay and Social Security benefits are concurrently payable -- without offset! 

14-3. Types of Social Security Payments.

a. Retirement.

(1) Worker. Workers who are fully insured may receive a full monthly Social Security benefit at age 65, 

or at a higher age as determined by their date of birth. Workers whose “full” entitlement age is 65, and 

who choose to begin to receive Social Security payments at age 62, maximum benefits are payable at 

age 70. The closer the worker is to full retirement age when electing to receive the benefit, the larger the 

percentage of the full benefit is, for life. When a worker elects to receive an early Social Security benefit 

at a reduced rate, the reduced rate will continue even after the worker's full-retirement-age birthday. It 

will, however, increase with annual cost of living adjustments, or if additional wages are earned. Refer to 

the following Web site to determine exact full retirement ages, and associated reductions of benefits if 

taken at an earlier age: https://www.ssa.gov/OACT/ProgData/types.html

(2) Spouse/Former Spouse. If a worker is receiving a Social Security retirement benefit, the worker’s 

spouse (and/or former spouse) may receive a spouse benefit based on the worker's record. Generally 

speaking, it is one-half of the worker’s benefit. However, if the worker elects to receive an early, reduced 

benefit, it impacts the spouse’s “half”. Just as with a worker, once a reduced benefit is elected, the 

reduced percentage rate is never increased. A spouse (former spouse) may receive a benefit as a 

parent who is caring for the worker’s child, who is under age 16 or disabled, and who is entitled to a 

child's benefit based on the worker's record.
65

(3) Child. Each unmarried, dependent child under age 18 (up to 19 if still in secondary school--high 

school and below), or any age if disabled before age 22, of a worker who is receiving a Social Security 

retirement benefit is eligible for a child's benefit based on the earnings of the worker parent.

b. Survivor. 

(1) Surviving spouse (former spouse). A surviving spouse married at least nine months at time of the 

worker’s death (note: there’s no marriage length requirement in the case of military active duty deaths), 

or a former spouse who was married for at least 10 years to a worker may be entitled to receive 100 

percent of the worker's benefit at age 65. (Note: receipt by a surviving spouse does not preclude receipt 

by a qualified former spouse). A reduced benefit may be drawn as early as the surviving spouse or 

former spouse's 60th birthday. A surviving spouse who remarries after age 60 continues to receive the 

surviving spouse benefit.

(2) Caring for a Child. If the surviving spouse/former spouse is under 62 and caring for a worker's child 

(under age 16 or disabled) entitled to a child's benefit, the surviving spouse/former spouse’s benefit will 

be three-fourths of the worker's benefit subject to a maximum family benefit limit. The benefit to the 

surviving spouse or former spouse will terminate when the child reaches age 16, unless the child is 

disabled. If a disabled child continues to receive benefits, the surviving spouse/former spouse may 

continue to receive benefits.

(3) Dependent children. Each unmarried dependent child under 18 may be entitled to a child's benefit 

based on the Social Security account of a deceased worker. An unmarried dependent child age 18 or 

older may be entitled to benefits if the child was disabled before age 22 or is a full-time student under 

age 19. Each child receives a monthly benefit that is 75 percent of the worker's benefit subject to a 

maximum family benefit limit.

(4) Dependent parent. A parent who was supported by more than 50 percent by the deceased worker at 

the time of the deceased worker's death, or the beginning of the deceased worker's period of disability, 

may receive a benefit at age 62. This benefit would be in addition to the benefit received by a surviving 

spouse/former spouse or child. The parent must file proof of support within two years after the worker's 

death or application for a period of disability. One parent will receive 82-1/2 percent of the worker's 

benefit. If there are two parents, each will receive 75 percent of the worker's benefit subject to a 

maximum family benefit limit. 

c. Disability. An eligible worker can become entitled to disability payments at any time before age 65. A 

surviving spouse/former spouse who becomes disabled before age 65 may receive Social Security 

disability payments as early as age 50. The disability benefit is paid in addition to retired pay or VA 

service-connected disability compensation. The eligibility criteria for Social Security disability 

compensation are much stricter than for other government disabilities (e.g., military retirement or VA 

service-connected). Contact Social Security for more details.

14-4. Eligibility for More Than One Type of Benefit.

Each married person who has earned sufficient quarters of Social Security coverage in his/her own right 

has the option of drawing a worker benefit on his/her own work record or a spouse or surviving spouse 

benefit based on his or her spouse's work record. Further, a person entitled to a benefit based on his/her 

own work, and a surviving spouse/former spouse benefit, may switch from one type of benefit to another 

if it is financially advantageous. An individual entitled to benefits based on his/her own work record, and 

a higher spouse benefit on his/her spouse's work record, is required to file for both benefits, if eligible to 

receive both benefits at the time their application is filed. 

14-5. Eligibility for a Pension from Work Not Covered by Social Security. 

In most cases, a person who first qualified on or after July 1, 1983, for a local, state, or federal pension 

from work not covered by Social Security, will have the Social Security spouse or surviving spouse 

benefit reduced by an amount equal to two-thirds of their government-contributed pension. This is called 

the Government Pension Offset (GPO). A SSA publication on the GPO is available online at 

http://www.ssa.gov/pubs/10007.html, or by calling your local Social Security office. 

14-6. Benefits Reduced for Those with Little Social Security Covered Employment. 

The Social Security Windfall Elimination Provision (WEP) requires that a reduced formula be used to 

calculate Social Security benefits for those with very little Social Security covered employment who are 

also eligible for a pension based upon their own work, which was not covered by Social Security. This 
66

would apply to those with few active duty years after December 31, 1956. It would also affect a civil 

service Retired Soldier who perhaps had only part-time Social Security covered employment. 

For more information, please go to http://www.socialsecurity.gov/planners/retire/wep-chart.html; or by 

calling your local Social Security office. 

14-7. Lump-Sum Death Payment.

A surviving spouse or child may receive a special lump-sum death payment of $255 if they meet certain 

requirements.

Generally, the lump-sum is paid to the surviving spouse who was living in the same household with the 

worker when they died. If they were living apart, the surviving spouse can still receive the lump-sum if, 

during the month the worker died, they:

• were already receiving benefits on the worker's record; or

• became eligible for benefits upon the worker's death. 

If there's no eligible surviving spouse, the lump-sum can be paid to the worker's child (or children) if, 

during the month the worker died, the child: 

• was already receiving benefits on the worker's record; or

• became eligible for benefits upon the worker's death.

If the eligible surviving spouse or child is not currently receiving benefits, they must apply for this 

payment within two years of the date of death. 

For more information about this lump-sum payment, contact your local Social Security office or call 1-

800-772-1213 ( TTY 1-800-325-0778). 

14-8. Medicare.

See Chapter 7 for an explanation of Social Security’s Medicare program. 

14-9. Additional Information.

To obtain more information about Social Security benefits, call toll-free 1-800-772-1213; or go to their 

Web site at http://www.ssa.gov.
67

CHAPTER 15: REFERENCES AND TERMS

15-1. References. 

Related publications and forms that can be used as sources of additional information are listed below, 

and can be found online as follows: 

-- Soldier for Life: https://soldierforlife.army.mil/retirement/

-- MyArmyBenefits: http://myarmybenefits.us.army.mil/

-- Army: http://www.apd.army.mil/

-- DOD: http://www.dtic.mil/whs/directives/infomgt/forms/formsprogram.htm

-- IRS: http://www.irs.gov/ 

-- Social Security: http://www.ssa.gov

-- VA: http://www.va.gov

-- DFAS: http://www.dfas.mil/

-- FirstGov: http://www.usa.gov

-- TRICARE. http://www.tricare.mil/

-- My HealtheVet: https://www.myhealth.va.gov/index.html

-- myPay: https://mypay.dfas.mil/mypay.aspx

Army Regulations:

AR 25-50, Preparing and Managing Correspondence

AR 290-5, Army National Cemeteries

AR 600-8-1, Army Casualty Program

AR 600-8-7, Retirement Services Program

AR 600-8-22, Awards and Decorations

AR 600-8-24, Officer Transfers and Discharges

AR 635-8, Separation Processing and Documents

AR 635-40, Physical Evaluation for Retention, Retirement, or Separation

AR 635-200, Active Duty Enlisted Personnel Separations

AR 670-1, Wear and Appearance of Army Uniform

DD Forms:

DD Form 2a (Res) (red), Armed Forces of the United States, Geneva Conventions Identification Card

DD Form 2a (Ret) (blue), United States Uniformed Services Identification Card (Retired) 

DD Form 48-3, Security Questionnaire (Updating), Personnel

DD Form 149, Application for Correction of Military Record under the Provisions of Title 10, U.S. Code, 

§552

DD Form 214, Certificate of Release or Discharge from Active Duty

DD Form 215, Correction to DD Form 214, Certificate of Release or Discharge from Active Duty 

DD Form 1172, Application for Uniformed Services Identification Card – DEERS Enrollment

DD Form 1173, Uniformed Services Identification and Privilege Card 

DD Form 1884 (replaced by DD Form 2656-7)

DD Form 1357, Statement of Employment.

DD Form 1787, Report of DOD and Defense-Related Employment.

DD Form 2656, Data for Payment of Retired Personnel 

DD Form 2656-1, Survivor Benefit Plan (SBP) Election Statement for Former Spouse Coverage

DD Form 2656-2, SBP Termination Request

DD Form 2656-5, Reserve Component SBP (RCSBP) Election Certificate

DD Form 2656-6, SBP Election Change Certificate

DD Form 2656-7, Verification for Survivor Annuity 

DD Form 2656-8, SBP—Automatic Coverage Fact Sheet

DD Form 2769, Application for Annuity--Certain Military Surviving Spouses

DD Form 2860, Claim for Combat-Related Special Compensation (CRSC)

DFAS Retired Pay Manual:

DOD Financial Management Regulation (FMR) 7b, Military Pay Policy and Procedures—Retired Pay
68

IRS Forms:

IRS Form 1095-C, Employer-Provided Health Insurance Offer and Coverage

IRS Form 1099-R, Distributions from Pensions, Annuities, Retirement or Profit-Sharing Plans, 

IRAs, Insurance Contracts, etc.

IRS Form W-4, Employee’s Withholding Allowance Certificate

IRS Form W-4P, Withholding Certificate for Pension or Annuity Payments

Standard Forms:

SF 180, Request Pertaining to Military Records

SF 1174, Claim for Unpaid Compensation of Deceased Member of the Uniformed Services

SF 1199A, Direct Deposit Sign-up Form

VA Forms:

VA Form 21-526, Veteran's Application for Compensation and/or Pension

VA Form 21-686c, Declaration of Status of Dependents

15-2. Terms.

Annuities for Certain Military Surviving Spouses (ACMSS) (aka “Forgotten Widows”) – Monthly 

annuity payable to qualified surviving spouses of Retired members who died before March 20, 1974--the 

end of the initial open season associated with the creation of the Survivor Benefit Plan (SBP) on 

September 21, 1972; OR the creation of the Reserve Component SBP (RCSBP), 1 October 1978.

Army Emergency Relief (AER) – A private organization that provides financial assistance to active and 

Retired Soldiers and their Families. An AER office is located on most major installations.

Arrears of Pay (AOP) – Also known as “Final Pay”. The amount of monthly retired pay which was due 

to the Retired Soldier before his or her death, and which is then payable to the named beneficiary. 

Application must be made on a DD Form 1174.

Army Echoes – An official mailed and emailed periodical published for Retired Soldiers, and their 

surviving spouses three times per year. Army Echoes is also an official Army Blog with articles published 

three to five times per week. 

Base amount – Amount of retired pay upon which participation in the Survivor Benefit Plan (SBP) is 

“based.” It can be any dollar amount between a minimum of $300 and a maximum of the Retired

Soldier’s gross retired pay entitlement. 

Combat-Related Special Compensation (CRSC) – CRSC is a special compensation for combat-related 

disabilities. It is a tax free entitlement that you will be paid each month along with any retired pay you 

may already be receiving.

Concurrent Retirement & Disability Payments (CRDP) Program – CRDP is a restoration of retired 

pay for retirees with service-connected disabilities. It is taxed in the same manner as your retired pay, 

and it is normally considered taxable income. 

Deemed SBP Election – An SBP election that was court-ordered and then established by a former 

spouse's written request received by DFAS-CL within one-year of the date of divorce. It implements the 

Court’s order regardless of any inaction on the part of the Retired Soldier to comply with the Court’s order 

regarding establishing “former spouse” SBP. 

Defense Eligibility Enrollment Reporting System (DEERS) – A computerized database containing 

information on beneficiaries eligible for military benefits. 

Dependency & Indemnity Compensation (DIC) – A tax-free, monthly compensation paid by the VA to 

survivors when an active or Retired Soldier's death is attributed to an injury or illness incurred while on or 

aggravated by active duty.

Disposable Retired Pay – Retired pay which may be divided with a former spouse as property when a 

court so orders. Certain pays are not considered “disposable” and cannot be divided.
69

Electronic Fund Transfer (EFT) – method of electronically sending retired pay to a financial institution 

(aka “direct deposit”). (IEFT is International Electronic Funds Transfer; it is sometimes referred to as IDD 

– International Direct Deposit.)

Government Pension Offset (GPO) – The provision of law that results in an offset of the normal Social 

Security benefit amount payable to a spouse (and surviving spouse), due to their receipt of a 

government-contributed pension (i.e., a non-Social Security based pension). 

“Gray Area” Soldier – A Reserve Component Soldier who has completed 20 years of service, qualifying 

for retirement, and has transferred to the Retired Reserve or been discharged. At age 60, this Soldier 

will be entitled to receive retired pay. The ID card authorizes limited benefits/entitlements during “gray 

area”.

Gross Retired Pay Entitlement (GRPE) – The full amount of retired pay to which a Retired Soldier is 

entitled, before deductions. 

Non-Annuitant Spouse – A surviving spouse of a military member who is not eligible for a Survivor 

Benefit Plan (SBP) annuity.

Reserve Component Survivor Benefit Plan (RC-SBP) – The companion plan to SBP, created October 

1, 1978, that gives Reserve Component members the opportunity, upon completion of 20 years of 

qualifying service, to continue payment of a portion of their future retired pay should they die before pay 

begins at age 60. There are no RCSBP costs paid by the RC member until retired pay commences at 

age 60, and then it is in addition to SBP costs. 

Retirement Services Officer (RSO) – An Army installation officer, typically aligned within the Human 

Resources Directorate of the Garrison, who provides information, counseling and assistance to retiring 

and Retired Soldiers, families and survivors, on a myriad of topics.

Retired Soldier – A Soldier who has been retired from the Army and is in receipt of retired pay. The 

word retired is a part of the Soldier's title and is capitalized. In concert with the Soldier for Life Program, a 

Retired Soldier is not referred to as a retiree (who may have never served in the Army).

Servicemembers’ Group Life Insurance (SGLI) – SGLI is a program that provides low-cost term life 

insurance coverage to eligible Servicemembers. If eligible, you are automatically issued the maximum 

SGLI coverage. If you qualify for SGLI, you are automatically enrolled and do not need to apply for 

coverage. It will remain in effect for 120 days following retirement (at no cost to the member). SGLI 

maximum is now $400,000. SGLI can be converted to VGLI.

Soldier for Life (SFL) – The SFL mission is to connect Army, governmental, and community efforts to 

build relationships that facilitate successful reintegration of our Soldiers, Retired Soldiers, Veterans, and 

their Families in order to keep them Army Strong and instill their values, ethos, and leadership within their 

communities. “Once a Soldier, Always a Soldier, a Soldier for Life.” 

Soldier for Life – Transition Assistance Program (SFL – TAP) – Transition job assistance for retiring 

Soldiers, civilians, and their Family members; and for Retired Soldiers and their Family members (on a 

space-available basis).

Survivor Benefit Plan (SBP) – A plan created by Congress on September 21, 1972, which allows 

retiring Soldiers to elect to receive reduced retired pay during their lifetime in order to continue 55 percent

of that pay to their survivor(s). SBP coverage is in place automatically, at no cost, for all active duty 

members.

TRICARE – A nationwide healthcare program which shares with Retired Soldiers and their Families the 

cost of medical care received through civilian sources.

TRICARE for Life (TFL) – A nationwide healthcare program that authorizes Retired Soldiers and eligible 

Family members to receive medical care through civilian sources after age 65, as a second payer (in 

most cases) to Medicare. 
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TRICARE Pharmacy Home Delivery (TPHD) – An easy, convenient way to get regularly needed 

medications delivered directly to your home. 

TRICARE Retail Pharmacy (TRRx) – A pharmacy program under which a prescription can be filled right 

away for those unable to obtain it at an MTF pharmacy. 54,000 civilian pharmacies participate in TRRx. 

Using this network, TRICARE beneficiaries can obtain up to a 30-day supply of most prescription 

medications for a small cost share. 

TRICARE Retired Soldier Dental Plan (TRDP) – An unsubsidized program that provides certain dental 

benefits to participating Retired Soldiers and their Family members. 

Unpaid Retired Pay – See Arrears of Pay (AOP).

Uniformed Services Former Spouses’ Protection Act (USFSPA) – A 1982 federal law (P.L. 97-252) 

that prescribes for the division of benefits among former spouses and certain active and Retired Soldiers.

Veterans Group Life Insurance (VGLI) – A program that allows you to continue life insurance coverage 

after you separate from service.

Veterans’ Group Life Insurance (VGLI) – A renewable, 5-year term VA insurance program available to 

Retired Soldiers. The cost is age-based. It may be converted to a private policy held by a participating 

company at any time.
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“Once a Soldier, Always a 

Soldier...a Soldier for Life”
This publication may also be downloaded from the 

Army Retirement Services website at: 

http://soldierforlife.army.mil/retirement/postretirement

World War II fighter pilot and retired U.S. Army Air Corps Lt. Col. Jack Schofield salutes the crowd during the Las Vegas Veterans Day Parade in Las Vegas, Nev., on Nov. 11, 

2010. Schofield was a member of the fighter squadron known as the Flying Tigers. DoD photo by Tech. Sgt. Michael R. Holzworth, U.S. Air Force.