Can someone help me with a CRSC estimate?

S

shimaze

PEB Forum Regular Member
Registered Member
Can someone help me with a CRSC estimate? I medically retired in 1998, which is 27 years ago, and I have no idea what the high 3 is. I served in the Navy for 10 years; all active duty with NO reserve time, and Chapter 61 retired as an E-4. I was retired at 40% DOD and I am 100% P&T with the VA. I have a 60% PACT Act presumptive for asthma which brings me above the cap for length of service. I have no payroll records of my last three years, but MyPay on DFAS says I forfeit $1045 for a VA waiver. I have tried to use the calculator, but it says that the lower my DOD percentage is, the higher my CRSC pay. This just doesn’t make any sense at all. I thought the higher the DOD, the higher the CRSC. And I thought I get the higher of the length of service or the DOD percentage?

Thanks, Shimaze

2025-07-25_05-54-12.jpg
 
Not sure if your RAS is real... but your SSN is on it. I say it might not be real because the bottom says "too many girlfriends"

Anyways... 40 percent of 2612.50 is 1045 which is the amount on your RAS. if you have 10 years exactly that means your max CRSC amount is 25 percent of 2612.50. That comes out to 653.13. That 653 amount is the max you can receive for CRSC
 
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The SSN, bank information, and the address is changed to prevent identity theft, but otherwise all of the other information is legit as printed from DFAS. I figured the too many girlfriends would give it away! Thanks for the reply and the estimate. Why does the calculator say my amount is more if I use a 30% DOD as a multiplier in the calculator?

30% DOD = $871
40% DOD = $653


30%.jpg


40%.jpg
 
The calculator looks like it really wants your High 3 and not the RAS amount. Your high 3 is the highest 36 months of pay averaged together, even if you were reduced in rank etc your high 3 uses the actual 36 months of highest pay so if you were an E4 for your 3 years and then the last year of service you were reduced to E3... your pay is still based on those 3 years or 36 months as an E4.

I didn't make that calculator so I may be wrong, but the best way to determine your Length of Service cap is by determining your actual high 3 so if you got 40 percent, the number on your RAS is showing 40 percent of your high 3. if you had 30 percent that number would be 30 percent of your high 3... meaning your high 3 would be a higher amount. Hope that makes sense.
 
iamthewalrus016 said:
The calculator looks like it really wants your High 3 and not the RAS amount. Your high 3 is the highest 36 months of pay averaged together, even if you were reduced in rank etc your high 3 uses the actual 36 months of highest pay so if you were an E4 for your 3 years and then the last year of service you were reduced to E3... your pay is still based on those 3 years or 36 months as an E4.

I didn't make that calculator so I may be wrong, but the best way to determine your Length of Service cap is by determining your actual high 3 so if you got 40 percent, the number on your RAS is showing 40 percent of your high 3. if you had 30 percent that number would be 30 percent of your high 3... meaning your high 3 would be a higher amount. Hope that makes sense.
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Says “current retired DOD pay”, MyPay site labeled as "Gross Pay"
 
scottymotech said:
Says “current retired DOD pay”, MyPay site labeled as "Gross Pay"
Click to expand...

What are you talking about? What says current pay? The calculator? The calculator at crsc calculator | crsc clearly states "Current Retired DOD Pay (Total before any Offset from VA Pay, can be found on MyPay site labeled as "Gross Pay"):" So the calculator mentions both current retired DOD pay and gross pay
 
I guess there is no way I can calculate my CRSC because my CRSC amount is based on my pay was 27 years ago. It looks like the base pay for an E-4 in 1998 was $1434 compared to $3675. That is a $2241 difference in pay. Since the high 3 mandates using the last 36 months of pay, I am screwed because my last 36 months was a 1/4 century ago. Apparently, it is not as simple as looking up the latest pay chart and using that amount in the calculator. Nothing in the high 3 allows for an adjustment for inflation for a legacy calculation. The high 3 is the last 36 months of pay no matter how old the pay is. Eat it what you got even if it has expired, I guess.

Making matters worse, the lower the DOD, the higher the CRSC. Logic dictates the more severe the disability at retirement, the higher the pay would. But the calculator says otherwise. Glad I wasn’t 50% or my pay would be even lower. And then there is this mystery RAS number? Seemingly a randomly generated number placed in the box with no meaning because I wave all of my retirement pay anyway. When I was medically retired in 1998, there was no such thing as CRSC.

And then there is that cap based on years of service. A 10 year Chapter 61 only gets 25% (10x2.5). Yet, the dfas.mil says: “The multiplier for disability retired pay is either 2.5 percent for each year of service, or disability percentage assigned by the service at the time you retire. So I guess the cap uses the lowest amount? A 100% DOD gets the same as a 50% DOD, because they both served the same 10 years and are capped at 25% regardless of the DOD? If a Chapter 61 had 16 years of service and had a cap of 40%, if they got a 30% DOD would their retirement pay be based on 30%?

Has anyone applied for CRSC for a Chapter 61 retirement from decades ago? How did you calculate your pay if you lost your LES statements? Nowadays, current retirees walk out the front gate with their CRSC and VA disability already determined.
 
shimaze said:
What are you talking about? What says current pay? The calculator? The calculator at crsc calculator | crsc clearly states "Current Retired DOD Pay (Total before any Offset from VA Pay, can be found on MyPay site labeled as "Gross Pay"):" So the calculator mentions both current retired DOD pay and gross pay
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Ha!!! Yeah it’s the same thing and how the high 3 is calculated, that’s what I am talking about. But you have all the answers anyway. lol
 
shimaze said:
I guess there is no way I can calculate my CRSC because my CRSC amount is based on my pay was 27 years ago. It looks like the base pay for an E-4 in 1998 was $1434 compared to $3675. That is a $2241 difference in pay. Since the high 3 mandates using the last 36 months of pay, I am screwed because my last 36 months was a 1/4 century ago. Apparently, it is not as simple as looking up the latest pay chart and using that amount in the calculator. Nothing in the high 3 allows for an adjustment for inflation for a legacy calculation. The high 3 is the last 36 months of pay no matter how old the pay is. Eat it what you got even if it has expired, I guess.

Making matters worse, the lower the DOD, the higher the CRSC. Logic dictates the more severe the disability at retirement, the higher the pay would. But the calculator says otherwise. Glad I wasn’t 50% or my pay would be even lower. And then there is this mystery RAS number? Seemingly a randomly generated number placed in the box with no meaning because I wave all of my retirement pay anyway. When I was medically retired in 1998, there was no such thing as CRSC.

And then there is that cap based on years of service. A 10 year Chapter 61 only gets 25% (10x2.5). Yet, the dfas.mil says: “The multiplier for disability retired pay is either 2.5 percent for each year of service, or disability percentage assigned by the service at the time you retire. So I guess the cap uses the lowest amount? A 100% DOD gets the same as a 50% DOD, because they both served the same 10 years and are capped at 25% regardless of the DOD? If a Chapter 61 had 16 years of service and had a cap of 40%, if they got a 30% DOD would their retirement pay be based on 30%?

Has anyone applied for CRSC for a Chapter 61 retirement from decades ago? How did you calculate your pay if you lost your LES statements? Nowadays, current retirees walk out the front gate with their CRSC and VA disability already determined.
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that’s why you enter your gross pay or use the spreadsheet. Basic math based on your gross will calculate your high 3. That field that says “gross pay” has in your dfas retiree statement. The spreadsheet and the calculator are within dollars.

In terms of old LES, I just got mine from 20 years ago. Took like 2 weeks. Just submitted a ticket to DFAS and specifics date ranges. I requested my last 12.

Best of luck
 
I think I found the $1045!

Add $1354 $1395, & $1434; the E-4 pay rates for 1996, ’97, ’98, and it comes to $4183, the high 3, and then multiply by 25% (10 years x 2.5%) and it equals $1045. Using the same formula with modern pay rates, my RAS amount would be $2394. Once the high three is created, does it ever change?

Does the chapter 61 pay rate ever increase over the decades to compensate for inflation?
 
shimaze said:
I think I found the $1045!

Add $1354 $1395, & $1434; the E-4 pay rates for 1996, ’97, ’98, and it comes to $4183, the high 3, and then multiply by 25% (10 years x 2.5%) and it equals $1045. Using the same formula with modern pay rates, my RAS amount would be $2394. Once the high three is created, does it ever change?

Does the chapter 61 pay rate ever increase over the decades to compensate for inflation?
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Yes, Your chapter 61 pension amount increases every year via COLA increases.
 
I went to the COLA historical chart and multiplied the $1045 by the COLA amount from each year from 1999 to 2025 and my amount increased to $2109. That doubles my orginal amount. DFAS probably never bothered to update the amount because it never mattered. I have not followed the amount over the years. My CRSC now should double to $1758 with a 30% DOD and a 70% CRSC, but drops substantially with a 40% to only $1318. Glad I am not any higher than 40%! I still do not understand why I get more CRSC with a lower DOD?

I found the COLA chart at https://www.ssa.gov/OACT/COLA/colaseries.html
 
shimaze said:
I think I found the $1045!

Add $1354 $1395, & $1434; the E-4 pay rates for 1996, ’97, ’98, and it comes to $4183, the high 3, and then multiply by 25% (10 years x 2.5%) and it equals $1045. Using the same formula with modern pay rates, my RAS amount would be $2394. Once the high three is created, does it ever change?

Does the chapter 61 pay rate ever increase over the decades to compensate for inflation?
Click to expand...

shimaze said:
I went to the COLA historical chart and multiplied the $1045 by the COLA amount from each year from 1999 to 2025 and my amount increased to $2109. That doubles my orginal amount. DFAS probably never bothered to update the amount because it never mattered. I have not followed the amount over the years. My CRSC now should double to $1758 with a 30% DOD and a 70% CRSC, but drops substantially with a 40% to only $1318. Glad I am not any higher than 40%! I still do not understand why I get more CRSC with a lower DOD?

I found the COLA chart at https://www.ssa.gov/OACT/COLA/colaseries.html
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This is not how high 3 works. 2 members here answered your inquiry. Using your RAS, your offset "$1045" and your DoD% (40%) tells you what your high 3 is in today's value.

1045 / 40% = $2612.50 (high 3)

Now I acknowledge that noones answering why with lower DoD% your crsc payout is higher. Its basic math. Let's establish the numbers.
Longevity pay is 25% of whatever your high 3 is.
Current value of your crsc.
DoD 40%
1045 / 40% = $2612.50 (high 3)
2612.50 x 25% = 653.13 crsc
Exactly like the crsc calculator.
So why DoD 30% is higher?
1045 /30% = $3483.33 (high 3)
So 1045 if its 30% of high 3, the high 3 is larger.
3483.33 x 25 % = 870.33 crsc
Exactly like the calculator.

If 1045 was a DoD 10% payout, your high 3 is 10,450 x 25% = 2612.50 crsc payout.

If 1045 was 50% pay = high 3 is 2090. 25% of 2090 is 522.50.

Dod 75%
1045 / 75% = 1393.33 (high 3) x 25% = 348.33 crsc
 
MrChiefWarrant said:
Now I acknowledge that noones answering why with lower DoD% your crsc payout is higher. Its basic math...
Click to expand...

I believe you about the CRSC calculator. It seems the problem is dividing by a higher DOD yields a lower CRSC. If the formula for determining CRSC multiplied by DOD%, the opposite would happen and the CRSC amount would increase as the severity of the disability that caused the medical retirement also increased. Any reason as to why, other than mathematics, that a lower disability rating yields a larger payment? Any reason why Congress wanted it this way?
 
shimaze said:
I believe you about the CRSC calculator. It seems the problem is dividing by a higher DOD yields a lower CRSC. If the formula for determining CRSC multiplied by DOD%, the opposite would happen and the CRSC amount would increase as the severity of the disability that caused the medical retirement also increased. Any reason as to why, other than mathematics, that a lower disability rating yields a larger payment? Any reason why Congress wanted it this way?
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You believe but you're not listening to what we saying. I laid out the numbers for you to follow. The crsc calculator and what we did for you is doing reverse math. You have the end number, to find out the beginning number you take end number divide it by the %.

If you have beginning number, higher % will yield higher end number.

Crsc formula is not multiplied to the DoD% number. Its multiplied to the high 3. Everything starts with the high 3 base.
DoD payout is your DoD% x high 3.
CRSC is calculated longevity% x your high 3 or CRSC % payout using VA pay chart. Whichever is the lesser of the 2.
 
Ok cool. Wish you well with your CRSC claim. Looking forward to you paying forward the help you have received here and helping others.
 
If my DOD% was higher, would my high 3 be higher and possibly increase my CRSC pay? Playing with and lowering the DOD% in the calculator sure is confusing and makes it look like a Chapter 61 is better off with a lower DOD%. It may better to mention this problem in the description instead of talking about wieners!

The reason I ask is that I found a mistake in my PEB. The Navy did not rate me on any mental health disabilities even though I was under the care of a psychologist, diagnosed with depression, and prescribed anti-depressants while on active duty. None of this was ever considered when I went in front of the medical evaluation board or when I appealed my TRDL board decision in 2003. Way back in 1998, no one ever paid much attention to mental health issues. I know it is a looonng shot, but if I were successful correcting the record and increasing the disability percentage when I was Chapter 61 medically retired, would it increase my CRSC pay? Or am I always and forever limited to amount provided by the longevity cap of 10 years active duty?
 
shimaze said:
If my DOD% was higher, would my high 3 be higher and possibly increase my CRSC pay? Playing with and lowering the DOD% in the calculator sure is confusing and makes it look like a Chapter 61 is better off with a lower DOD%. It may better to mention this problem in the description instead of talking about wieners!

The reason I ask is that I found a mistake in my PEB. The Navy did not rate me on any mental health disabilities even though I was under the care of a psychologist, diagnosed with depression, and prescribed anti-depressants while on active duty. None of this was ever considered when I went in front of the medical evaluation board or when I appealed my TRDL board decision in 2003. Way back in 1998, no one ever paid much attention to mental health issues. I know it is a looonng shot, but if I were successful correcting the record and increasing the disability percentage when I was Chapter 61 medically retired, would it increase my CRSC pay? Or am I always and forever limited to amount provided by the longevity cap of 10 years active duty?
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CRSC is there to recoup money lost due to VA offset. So if you are maxed out at longevity then you are maxed out. A higher DOD% wouldn't help unless you were a high ranking officer.
 
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