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GRAY AREA FUTURE RETIREE MYPAY ACCOUNTS – LOGIN TIPS

There is a new avenue for Gray Area Retirees to stay connected and informed between the time they stop 

drilling and the time they start receiving retired pay: a new kind of myPay account especially for Gray Area 

Retirees. 

How to Access a Gray Area Future Retiree myPay Account

Please use the specific tip that best fits your situation:

If you entered the gray area after 2021 and set up a Login ID and password in myPay prior to your transition –

click here

If you entered the gray area before 2021 and set up a Login ID and password in myPay prior to your transition -

click here

If you currently work as a federal civilian where you are paid by DFAS - click here

If you’ve never used myPay, or it’s been a number of years, or you did not set up a Login ID and password in 

myPay prior to your transition, here’s how to get started - click here

If you need additional assistance - click here

If you entered the gray area AFTER

2021 and set up a Login ID and 

password in myPay prior to your 

transition:

You may be able to use the myPay login you created 

prior to your retirement from your Service, if you previously 

set up a Login ID and password, and you remember the 

answers to your security questions, and you have access 

to the Two-Factor Authentication method you chose. 

If you do not remember your password, or it has 

expired, you can reset your myPay password online by 

correctly replying to 3 of the 8 Security Questions you set 

up after clicking on the “Forgot or Need a Password” link on 

the myPay home page.

If you do not have access to the Two-Factor 

Authentication method you chose, please call the myPay 

Customer Support Unit Toll-Free at 1-888-332-7411 or 

317-212-0550 for additional assistance. Please identify 

yourself as a Gray Area Retiree.

If you entered the gray area 

BEFORE 2021 and set up a Login ID 

and password in myPay prior to your 

transition:

You may be able to use the myPay login you created 

prior to your retirement from your Service, if you previously 

set up a Login ID and password, and you remember the 

answers to your security questions. 

If you do not remember your password, or it has 

expired, you can reset your myPay password online by 

correctly replying to 3 of the 8 Security Questions you set 

up after clicking on the “Forgot or Need a Password” link on 

the myPay home page.

After logging in, you will need to set up a method for 

Two-Factor Authentication. Two Factor Authentication, or 

2FA, is an extra layer of protection used to ensure the 

security of online accounts beyond just a username and 

password. For myPay, Two-factor Authentication requires 

you to request and input a one-time PIN when you log in to 

your myPay account with a login ID and password. This 

adds an extra layer of security to your myPay account.

If you do not remember the answers to your security 

questions, please see #4. 
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If you currently work as a federal 

civilian in a position where you are 

paid by DFAS: 

You can use the same myPay login you use for your 

federal civilian myPay account. Once you are logged in, 

you will see your “Future Retiree” account as a choice in 

the “Choose an Account” drop down menu in the blue 

header. Example:

If you’ve never used myPay, or it’s 

been several years, or you did not 

set up a Login ID and password in myPay 

prior to your transition, here’s how to get 

started:

Go to the myPay homepage at https://mypay.dfas.mil

and click on the “Forgot or Need a Password?” link. Follow 

the instructions to have a temporary password mailed to 

you. 

If you don’t receive the mailed password, it is likely we 

don’t have a current mailing address for you. 

You can: 

• Locate a Trusted Agent in your area that can 

provide an in-person password reset. To see the 

list, go to the myPay homepage at 

https://mypay.dfas.mil and click on “Contact Us” at 

the top of the page. Then click on the “Trusted 

Agent” link under “In Person.”

• OR, call the myPay Customer Support Unit 

Toll-Free at 1-888-332-7411 or 317-212-0550 for 

additional assistance. Please identify yourself as a 

Gray Area Retiree.

• OR, update your mailing address, wait for the 

change to be posted to the DFAS Retired Pay 

system, and then request a temporary password.

The mailing address in the DFAS Retired Pay system is 

based on your DEERS information. If your mailing address 

in DEERS is not current, you will need to update your 

mailing address with DFAS so we can mail you the 

temporary password. 

• Use our askDFAS Online Retiree Change of 

Address Tool: 

https://www.dfas.mil/retaddresschange

• OR, call our Retired & Annuitant Pay Customer 

Care Center Toll-Free at 1-800-321-1080 or

317-212-0551

• OR, complete Part I of the Retiree Change of 

Address/State Tax Withholding Request (DD2866)

(available from our Forms Library at 

https://www.dfas.mil/raforms), sign and date, and 

mail or fax it. 

Mail your request to: 

Defense Finance and Accounting Service

U.S. Military Retired Pay

8899 E 56th Street

Indianapolis IN 46249-1200

Or, Fax to: 1-800-469-6559

Allow 30-45 days from the time you send us your 

written request for your mailing address to be updated. 

Then, go to the myPay homepage at https://mypay.dfas.mil

and click on the “Forgot or Need a Password?” link. Follow 

the instructions to have a temporary password mailed to 

you. 

When you receive your temporary password, return to 

the myPay homepage at https://mypay.dfas.mil, go to the 

New User Module and click the “Create your myPay Profile” 

button under “New User.” Enter your Social Security 

Number and your temporary password and click the 

“Submit” button.

You will be prompted to create a Login ID and a 

permanent password. You will also need to establish a 

Two-Factor Authentication method. Follow the on-screen 

instructions.

If You Need Additional Assistance:

If you need additional assistance with updating your 

mailing address, please contact the Retired & Annuitant 

Pay Customer Care Center Toll-Free at 1-800-321-1080 

or 317-212-0551.

If you need additional assistance with accessing a 

myPay account, please contact the myPay Customer 

Support Unit Toll-Free at 1-888-332-7411 or 317-212-0550. 

If You Try to Log In and Receive a 

Message Saying You Don’t Have 

an Account or You Are Told You Aren’t 

on the Future Retiree List:

If you’ve tried the steps above to log in and you receive 

a message saying there isn’t an account associated with 

your Social Security Number, please let us know. Call our 

Retired & Annuitant Pay Customer Care Center 

(800-321-1080) and tell them you are a Gray Area Retiree 

and don’t have a myPay Account. Ask them to notify the 

Retired & Annuitant Pay Gray Area Team. Provide your full 

name, Social Security Number, the year you transitioned to 

the Gray Area, and your contact information. We will work 

with your Branch of Service and let you know when we 

have resolved the issue so you can log in.