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Defense Finance and Accounting Service Providing payment services for the U.S. Department of Defense

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#### **Quick ToolsaskDFAS****Forms Library****  ****Frequently Asked Questions**

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### **Gray Area Retirees – Army Reserve and National Guard**

**How to Stay Connected During the Gray Area****myPay**
**Important Information for Army National Guard and Army Reserve Gray Area Retirees**                        - Note; For Army USAR (Troop Program Unit/TPU) and ARNG (M-Day) Soldiers, the retirement packet will be completed by the individual (retirement is not an automatic process), we recommend working with a USAR/ARNG Retirement Service Officer (RSO) to vet the packet for errors first. The service member then sends the packet to the Army Human Resources Command (AHRC) where it will be received and triaged by the Army Service Center (ASC). The ASC will advise the member via email or postcard (based on delivery method) that the packet was received. The ASC can provide updates to the customer by calling 1-502-613-8950 (until the packet is sent to DFAS). The packet will then be forwarded to the Gray Area Retirements Branch and assigned an Analyst. Once complete, the packet will be forwarded to DFAS for pay processing in which DFAS will track and advise the customer of the status.  For Army Reserve RSO support please go to :  Retirement (army.mil) , ARNG RSO support please go to:  **US Army | Soldier For Life**  and for the retirement packet (HRC-GAR) please go to:  Gray Area Retirements Branch (army.mil) .
                        - *Start your retired pay application process early!* You can submit your application  up to nine months prior  to your expected retirement date. You should submit your application  at least 90 days before  your expected retirement date (your 60 th  birthday or your reduced age retirement date).
                        - Members in the Retired Reserve may use the MyArmyBenefits personalized retirement calculator to develop an estimate of your retired pay based on the information in your Army personnel record. You must have a Defense Self-Serve (DS) Logon or CAC to use the calculator. You can create a DS Logon account by going to  **https://www.dmdc.osd.mil/identitymanagement/authenticate.do?execution=e1s1**  and selecting “need an account” in the lower left of the screen. You may need to update your personnel records to receive retirement credit in your calculation for all time served. Visit:  **https://myarmybenefits.us.army.mil** .
                        - An Army National Guard or Army Reserve member is generally not eligible to start receiving retired pay until they reach age 60. However, for any member of the Ready Reserve who was recalled to active duty (AD) or, in response to a national emergency, was called to active duty after January 28, 2008 (AD performed under section 688, 12301(a), 12302, 12304, 12304(b), 12305, 12406, and chapter 15  (insurrection), or under section 12301(d) of Title 10 USC, the age 60 requirement is reduced by three months for each cumulative period of 90 days in any fiscal year after that date. The 2015 NDAA authorizes 90-day periods to cross over fiscal year boundaries after 30 September 2014. It is not retroactive.
                        - Army National Guard Soldiers may be entitled to a reduced age retirement when they are under a call to active service by a governor and authorized by the President or the Secretary of Defense under section 502(f) or 115 and 502(f) of Title 32 USC for purposes of responding to either a national emergency declared by the President or a national emergency supported by Federal funds. National Guard personnel must check with their respective states to verify which orders are eligible for the reduced age retirement.
                        - Active Guard Reserve (AGR) duty under section 12310 of Title 10 USC will not be included as service on active duty for determining eligibility for reduced age retired pay for non-regular service.
                        - The earliest age that a Gray Area Retired Soldier can start receiving retired pay is age 50.
**Army Reserve and Army National Guard Soldiers - If you have questions about your entitlement to retired pay, or if you are approaching your date to apply for retired pay:**
**Reserve****Readiness Division RSO****Mission Support Command****Retirement Services Officer **

**National Guard****state RSO**
**https://soldierforlife.army.mil/Retirement/rso**
**Gray Area Retirements Branch****usarmy.knox.hrc.mbx.tagd-ask-hrc@mail.mil**

**If you are past age 60 ****Gray Area Retirements Branch****usarmy.knox.hrc.mbx.tagd-ask-hrc@mail.mil**
**https://www.hrc.army.mil/content/Gray%20Area%20Retirements%20Branch**

##### **Who Are Gray Area Retirees?**

Page updated Sept 13, 2023

**Get ConnectedFind out how**** Gray Area Future Retiree myPay Login Tips PDF****Gray Area Retirees webpage****https://www.dfas.mil/grayarea**

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