CRDP/Redux

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Bryan1230

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Registered Member
CRDP/ Redux Pay



Hello,



I am confused about my retirement pay and have been fighting with DFAS since February. I retired in October 2023. Received the correct amount from DFAS, according to my calculations, the medical retirement calculator on the military website as well as the military retirement app.



In Feb 2024, they changed my pay and increased the VA waiver.



Is there someone who can help me figure this out?



The important information is below:

  1. High 3 Average - $5796.03
  2. 90% DOD
  3. 21 years, 11 months, 29 days
  4. 100% VA , wife and 1 kid.
  5. CSB/Redux at 15 years. (Everything I can find about this says I should only be paying 1% of the cola raise for that year.


I also discovered on my DD form 2656, Section 8 that CSB/Redux was marked and not the Disability. Would this cause the issue?



Thanks so much for the help.
 
Hello,

From DFAS:

CSB/REDUX Retired Pay Calculation

​
Retirement Calculator

Your monthly pay may differ from the calculator’s estimate. The formulas used to calculate retired pay are complex and differ depending on individual circumstances.
CSB/REDUX Retirement Calculator

Non-Disability retirees will have their percent multiplier reduced by:

  • 1 percent for each full year of creditable service less than 30, and
  • 1/12th of 1 percent for each full month of creditable service less than a full year.
This will also affect your retired pay by reducing the cost of living adjustments (COLA) by one percent.

This reduction remains in effect up to the age of 62. Once you reach age 62, your retired pay will be restored to the same amount paid under the High-3 System. Full COLA rates will be applied to your new computation, but the COLA will continue to be applied at the reduced rate each year following.
———-
Comments:

1. Years ago at another site, we asked DFAS about CRDP (now Concurrent Receipt) with a disability retirement.
We were told the CRDP/Concurrent Receipt would use the REDUX formula for the longevity computation and multiplier.

2. The retired pay would be reduced by the amount of the VA compensation and restored using REDUX formula .

3. Rarely has anyone returned to report the results of their REDUX case. In fact, I don’t remember any.

4. Recommend you submit your questions to DFAS in writing and IF you do not receive a reasonable answer with references,
ask your congressperson for help.

Ron
 
Last edited:
Yes, the calculator above is almost the exact payment I was receiving until they made a change in Feb. I have been trying to work with DFAS and they in turn retaliated and sent a very large over payment. We immediately sent payment back to them. They have cashed the check, but have not credited the retirement account, so now my retirement check is almost $900 short. Oh, and they have refused to speak to me or help me until I repay the “debt”. And again, payment was sent, they have cashed the check.

We have contacted our senators and we have DFAS 30 days to correct and audit and they failed to do so. We let the senators know this afternoon that we have received no response from DFAS.

I’m going to update this as soon as I have a definitive answer.
 
The long awaited update:

If you are medically retire at 20 plus years, your retirement pay with CRDP is calculated at the Redux rate. It’s the law.

While this is very unfortunate because I did not decide to get diagnosed with the things that medically retired me and prevented me from doing the full 30 years I wanted to do. It is what it is. Also of important note, if I would have retired at 19 years and 11 months and 29 days, my redux would have been forgiven, but because I did more than 20, I am being penalized.
 
Hello,

You would not have qualified for Concurrent Receipt with less than 20 years unless you were a Tera retiree.

Ron
 
The issue is that everyone in the entire process from IDES, DFAS, the attorney used for IDES, Retirement Services, everyone to include all the briefings they make you do are telling everyone that has redux that Chapter 61 Retirees have their REDUX forgiven. DFAS even had it on its website that Redux does not apply to Chapter 61 Retirees. This is where the confusion comes from. It’s the Misinformation that “Officials” are putting out and why people get so upset.

PDRL, the director in San Antonio and the other agencies in Ohio, had their mind blown when this was learned today. Because PDRL quoted us the same thing when we called them last week: If you are medically retired, Redux is forgiven. This statement is untrue.
 
Hello @Bryan1230 ,

1. Nowhere have I read that REDUX is “forgiven”. Disability retired pay can be computed using the disability percentage multiplier which does not include REDUX (my understanding). Please provide the “forgiven rule”.

2. The computation of Concurrent Receipt (formerly CRDP) does use the REDUX formula (if applicable ) and it is a separate rate from the computation of disability retired pay that uses the DoD disability formula

Personnel Opinion: I think all retired veterans should be eligible for Concurrent Receipt.

cc: @Provis

Ron
 
I am in the same boat since 2022 and have been trying to get this corrected after reading and following the attached document showing REDUX does not apply to disable retirees. The final response from DFAS after way too many tickets closed with little to no responses is, I needed to correct my DD2656 to show disable instead of redux.
 

Attachments

Ron I would like your advice. I believe you might have given me information on another chat but this case is quite similar to mine. On the attached document it kind of contradicts it's self. On a/1/a it states this 1% deduction applies to retirees other than chapter 61, which I am. Under b/2 it says you will have 1% deducted for every year under 30 if you selected the bonus. It also states in that same paragraph if you selected the bonus (as in effect before the enactment of the National Defense Authorization Act fiscal year 2008), how do you interpret this since this Act is updated or reviewed yearly. I wasn't sure if it was saying if you selected the bonus before 2008?

I was Permanent Medically retired
Served a FULL 20 years in the AF
Rated at 100% by VA
CRDP program to receive full retirement(which I’m not due to VA waiver) and full VA
 

Attachments

If Crdp is not an actual law ( but just a term to describe the situation) —in which i have been diligently seeking the numbers or codes for “CRDP Law”; How can it dictate the actual law/regulation DOD 7000.14-R Financial Management Regulation Volume 7B, Chapter 3 *September 2024 fig. 2.2.4 DOD will compute creditable service for disability retirees under 10 U.S.C.&1208. DOD will NOT apply CSB (Redux) factors when computing retired pay for disability retirees..Note: It does not say, except for the ones that elected redux…
CRDP situation (Situational) is meant to combat. For example: the personnel that are military retired for 20 years of service and at over 50% from whatever branch- its purpose is to prevent double dipping..for example: a person cant receive 70% from Air Force and 100% from the VA, they can only receive what that would have been entitled to if they were not medically retired- Its not meant to use the above as a avenue to apply back redux calculations..its meant to prevent double dipping, without redux even being a scenario..think about it..how can and unfound regulation that may sound if it makes sense, out way an actual straight to the point found regulation?
 
Tite 10 Chapter 71 1409
(2) REDUCTION APPLICABLE TO CERTAIN NEW RETIREMENT MEMBERS WITH LESS THAN 30 YEARS OF SERVICE.
—In the case of a member who first became a member of a uniformed service after July 31, 1986, has elected to receive a bonus under section 322 (as in effect before the enact- ment of the National Defense Authorization Act for Fiscal Year 2008) or section 354 of title 37, has less than 30 years of creditable service, and is under the age of 62 at the time of retire- ment, the percentage determined under para- graph (1) shall be reduced by
(A) 1 percentage point for each full year that the member’s years of creditable serv- ice are less
than 30; and
(B) 1⁄12 of 1 percentage point for each month by which the member’s years of cred- itable service
(after counting all full years of
such service) are less than a full year.

This is what I found to justify how they calculate the VA waiver. Pay with redux. The only way to have redux forgiven is DoD Financial Volume 7A chapter 66 660302 Waiver of CSB Recoupment. 2_B The Secretary of Military Dept. concerned may waive...
 
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