Interpreting CRSC with AI

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Ms4

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As the title says. I don’t understand how crsc actually works. So I thought I’d ask AI

The prompt was basically. 21 years of service as an e8. Chap 61 medical retirement. 100% va. 80% DOD with 2 combat codes. How much gets deposited every month. It replied with…


How accurate is this? Where did it go wrong? Thanks for any clarification

-Mike


“Okay, the fact that your medical retirement is after 21 years of service significantly changes the CRSC calculation. Now that you have over 20 years of service, you are considered a regular retiree for the purposes of CRSC eligibility, even though your retirement is medical (Chapter 61).


Key Changes Due to 21 Years of Service:


• CRSC Calculation: For regular retirees (20+ years), the CRSC entitlement is based on the VA disability rating of your combat-related conditions, notlimited by the longevity portion of your retirement pay. This is a crucial difference from retirees with less than 20 years.


• Interaction with VA Waiver: CRSC will directly compensate you for the retired pay that is being offset by the VA waiver due to your combat-related disabilities.



Estimating Your Total Monthly Payment Under CRSC:


1 Military Retired Pay with VA Waiver:You receive $4600 per month. A portion of your gross retired pay is being waived due to your VA compensation.





2 VA Disability Compensation: With a 100% VA rating and four dependents (spouse + 2 children, as a spouse is generally not considered a dependent for VA pay purposes), your monthly VA disability compensation for April 2025 is:


◦ Veteran with Spouse: $4,044.91


◦ Additional Child Under 18: $106.14


◦ Second Additional Child Under 18: $106.14


◦ Total VA Compensation:$4,044.91 + $106.14 + $106.14 = $4,257.19 per month.


3 CRSC Payment:


◦ You have two combat-coded disabilities totaling an 80% DOD rating. Your CRSC payment will be based on this combat-related disability rating. The CRSC rates are determined annually and depend on the combined percentage of your combat-related disabilities.


◦ Based on the 2025 CRSC rate tables (these are subject to change annually, but this provides an estimate):


▪ A disability rating of 80% (single or combined) falls into a specific payment tier. As of 2025, an 80% combat-related disability rating corresponds to a CRSC payment of $1,812.00 per month.


Your total monthly payment will be the sum of: * Non-Waived Military Retired Pay: This is your gross military retired pay minus the portion being waived by the VA that is not covered by CRSC. * Full VA Disability Compensation: $4,257.19. * CRSC Payment: $1,812.00 (based on the 80% combat-related rating).


Calculating the Non-Waived Retired Pay:


To determine the non-waived portion, we need to know the total amount of your military retired pay before the VA waiver. Let's assume, for example, that without any waiver, your gross retired pay would be $5000 per month. This means $400 ($5000 - $4600) is being waived due to your VA compensation.


Since your CRSC is compensating you for the retired pay offset due to your combat-related conditions, and these conditions have an 80% DOD rating, it's highly likely that the $1,812.00 in CRSC will fully cover (and potentially exceed) the amount of retired pay being waived due to those specific combat disabilities.


Estimated Total Monthly Payment:


In this scenario:


• Estimated Gross Retired Pay: $5000 (This is an assumption for illustration)


• VA Waiver (Offset): $400 (The difference between gross and what you receive)


• CRSC Payment (80% Combat):$1,812.00


• VA Disability Compensation:$4,257.19


Your total monthly payment would be:


($5000 (Gross Retired Pay) - $1,812.00 (CRSC restoring waived amount)) + $4,257.19 (VA Compensation) = $7,445.19


More Likely Scenario (Assuming CRSC fully covers the combat-related waiver):


A more direct way to think about it is:


• Military Retired Pay (What you currently receive after the initial waiver): $4600


• CRSC Payment (Restoring the waived amount related to combat disabilities): $1,812.00


• VA Disability Compensation:$4,257.19


Total Estimated Monthly Payment = $4600 + $1,812.00 + $4,257.19 = $10,669.19


Important Considerations:


• Gross Retired Pay: The exact amount of your gross military retired pay (before the VA waiver) is crucial for a precise calculation. You can find this on your retirement pay statements.


• VA's Combat-Related Determination:The VA determines which of your service-connected disabilities are combat-related. Your CRSC eligibility and payment amount depend on this determination.


• DFAS Coordination: The Defense Finance and Accounting Service (DFAS) manages both your retired pay and CRSC payments and coordinates with the VA.



• Application for CRSC: You must apply for CRSC through your branch of service to receive these benefits.


In conclusion, with over 20 years of service and combat-coded disabilities, your total monthly payment under CRSC will likely be significantly higher than your current $4600. It will be the sum of your military retired pay (potentially with some of the initially waived amount restored by CRSC) plus your full VA disability compensation plus the CRSC payment for your combat-related conditions. Applying for CRSC is the necessary step to determine the exact amount.
 
so I had 21 years as an E8 as well. I receive CRSC and 100 percent VA comp.

Also AI sucks at this because it is pulling information that is false from them internet. Like the part that says you aren’t limited to your longevity pay.

You are always limited by your longevity pay. There is one scenario where you can get more than that and it involves extraordinary heroism.

My VA pay is 4300 and some change. My CRSC is about 2500. I was approved for 100 percent CRSC. My high 3 was basically 5k so I get 52.5 percent of my high three with 21 years.

It’s really not complicated. It only becomes complicated once you start adding in residual retirement pay and such. But for you… if you have 21 years active and got approved for close to 100 percent CRSC you are maxed out on pay.
 
Why does AI think I get option A, a CRSC payent, And VA. Anyone got any ideas?
 
AI pulls information from all over the web. So when people post incorrect information on the internet it also pulls that information as well. You can try and tell it to limit the information it is pulling to only valid resources, but I’m not exactly sure that would work.

It’s probably pulling data from Reddit and several other places where the user base posts incorrect information.
 
Ms4 said:
As the title says. I don’t understand how crsc actually works. So I thought I’d ask AI

The prompt was basically. 21 years of service as an e8. Chap 61 medical retirement. 100% va. 80% DOD with 2 combat codes. How much gets deposited every month. It replied with…


How accurate is this? Where did it go wrong? Thanks for any clarification

-Mike


“Okay, the fact that your medical retirement is after 21 years of service significantly changes the CRSC calculation. Now that you have over 20 years of service, you are considered a regular retiree for the purposes of CRSC eligibility, even though your retirement is medical (Chapter 61).


Key Changes Due to 21 Years of Service:


• CRSC Calculation: For regular retirees (20+ years), the CRSC entitlement is based on the VA disability rating of your combat-related conditions, notlimited by the longevity portion of your retirement pay. This is a crucial difference from retirees with less than 20 years.


• Interaction with VA Waiver: CRSC will directly compensate you for the retired pay that is being offset by the VA waiver due to your combat-related disabilities.



Estimating Your Total Monthly Payment Under CRSC:


1 Military Retired Pay with VA Waiver:You receive $4600 per month. A portion of your gross retired pay is being waived due to your VA compensation.





2 VA Disability Compensation: With a 100% VA rating and four dependents (spouse + 2 children, as a spouse is generally not considered a dependent for VA pay purposes), your monthly VA disability compensation for April 2025 is:


◦ Veteran with Spouse: $4,044.91


◦ Additional Child Under 18: $106.14


◦ Second Additional Child Under 18: $106.14


◦ Total VA Compensation:$4,044.91 + $106.14 + $106.14 = $4,257.19 per month.


3 CRSC Payment:


◦ You have two combat-coded disabilities totaling an 80% DOD rating. Your CRSC payment will be based on this combat-related disability rating. The CRSC rates are determined annually and depend on the combined percentage of your combat-related disabilities.


◦ Based on the 2025 CRSC rate tables (these are subject to change annually, but this provides an estimate):


▪ A disability rating of 80% (single or combined) falls into a specific payment tier. As of 2025, an 80% combat-related disability rating corresponds to a CRSC payment of $1,812.00 per month.


Your total monthly payment will be the sum of: * Non-Waived Military Retired Pay: This is your gross military retired pay minus the portion being waived by the VA that is not covered by CRSC. * Full VA Disability Compensation: $4,257.19. * CRSC Payment: $1,812.00 (based on the 80% combat-related rating).


Calculating the Non-Waived Retired Pay:


To determine the non-waived portion, we need to know the total amount of your military retired pay before the VA waiver. Let's assume, for example, that without any waiver, your gross retired pay would be $5000 per month. This means $400 ($5000 - $4600) is being waived due to your VA compensation.


Since your CRSC is compensating you for the retired pay offset due to your combat-related conditions, and these conditions have an 80% DOD rating, it's highly likely that the $1,812.00 in CRSC will fully cover (and potentially exceed) the amount of retired pay being waived due to those specific combat disabilities.


Estimated Total Monthly Payment:


In this scenario:


• Estimated Gross Retired Pay: $5000 (This is an assumption for illustration)


• VA Waiver (Offset): $400 (The difference between gross and what you receive)


• CRSC Payment (80% Combat):$1,812.00


• VA Disability Compensation:$4,257.19


Your total monthly payment would be:


($5000 (Gross Retired Pay) - $1,812.00 (CRSC restoring waived amount)) + $4,257.19 (VA Compensation) = $7,445.19


More Likely Scenario (Assuming CRSC fully covers the combat-related waiver):


A more direct way to think about it is:


• Military Retired Pay (What you currently receive after the initial waiver): $4600


• CRSC Payment (Restoring the waived amount related to combat disabilities): $1,812.00


• VA Disability Compensation:$4,257.19


Total Estimated Monthly Payment = $4600 + $1,812.00 + $4,257.19 = $10,669.19


Important Considerations:


• Gross Retired Pay: The exact amount of your gross military retired pay (before the VA waiver) is crucial for a precise calculation. You can find this on your retirement pay statements.


• VA's Combat-Related Determination:The VA determines which of your service-connected disabilities are combat-related. Your CRSC eligibility and payment amount depend on this determination.


• DFAS Coordination: The Defense Finance and Accounting Service (DFAS) manages both your retired pay and CRSC payments and coordinates with the VA.



• Application for CRSC: You must apply for CRSC through your branch of service to receive these benefits.


In conclusion, with over 20 years of service and combat-coded disabilities, your total monthly payment under CRSC will likely be significantly higher than your current $4600. It will be the sum of your military retired pay (potentially with some of the initially waived amount restored by CRSC) plus your full VA disability compensation plus the CRSC payment for your combat-related conditions. Applying for CRSC is the necessary step to determine the exact amount.
Click to expand...
If you have 20 AFS then you max out gross compensation. You can't get more than the combination of your earned longevity pension + VA disability. CRSC is there to recoup money due to VA offset you don't have that issue. For Soldiers who have 20AFS already the only way CRSC can benefit them is if their CRSC compensation is equal to their VA compensation. If so CRSC could offset more of your earned income that is subject to taxes. Your Chapter 61 pension is already tax exempt and your VA compensation is tax exempt too. So unless you have income subject to taxes + apply for and qualify for CRSC equal to your VA compensation there is no benefit for you in CRSC.
 
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Ms4 said:
As the title says. I don’t understand how crsc actually works. So I thought I’d ask AI

The prompt was basically. 21 years of service as an e8. Chap 61 medical retirement. 100% va. 80% DOD with 2 combat codes. How much gets deposited every month. It replied with…


How accurate is this? Where did it go wrong? Thanks for any clarification

-Mike


“Okay, the fact that your medical retirement is after 21 years of service significantly changes the CRSC calculation. Now that you have over 20 years of service, you are considered a regular retiree for the purposes of CRSC eligibility, even though your retirement is medical (Chapter 61).


Key Changes Due to 21 Years of Service:


• CRSC Calculation: For regular retirees (20+ years), the CRSC entitlement is based on the VA disability rating of your combat-related conditions, notlimited by the longevity portion of your retirement pay. This is a crucial difference from retirees with less than 20 years.


• Interaction with VA Waiver: CRSC will directly compensate you for the retired pay that is being offset by the VA waiver due to your combat-related disabilities.



Estimating Your Total Monthly Payment Under CRSC:


1 Military Retired Pay with VA Waiver:You receive $4600 per month. A portion of your gross retired pay is being waived due to your VA compensation.





2 VA Disability Compensation: With a 100% VA rating and four dependents (spouse + 2 children, as a spouse is generally not considered a dependent for VA pay purposes), your monthly VA disability compensation for April 2025 is:


◦ Veteran with Spouse: $4,044.91


◦ Additional Child Under 18: $106.14


◦ Second Additional Child Under 18: $106.14


◦ Total VA Compensation:$4,044.91 + $106.14 + $106.14 = $4,257.19 per month.


3 CRSC Payment:


◦ You have two combat-coded disabilities totaling an 80% DOD rating. Your CRSC payment will be based on this combat-related disability rating. The CRSC rates are determined annually and depend on the combined percentage of your combat-related disabilities.


◦ Based on the 2025 CRSC rate tables (these are subject to change annually, but this provides an estimate):


▪ A disability rating of 80% (single or combined) falls into a specific payment tier. As of 2025, an 80% combat-related disability rating corresponds to a CRSC payment of $1,812.00 per month.


Your total monthly payment will be the sum of: * Non-Waived Military Retired Pay: This is your gross military retired pay minus the portion being waived by the VA that is not covered by CRSC. * Full VA Disability Compensation: $4,257.19. * CRSC Payment: $1,812.00 (based on the 80% combat-related rating).


Calculating the Non-Waived Retired Pay:


To determine the non-waived portion, we need to know the total amount of your military retired pay before the VA waiver. Let's assume, for example, that without any waiver, your gross retired pay would be $5000 per month. This means $400 ($5000 - $4600) is being waived due to your VA compensation.


Since your CRSC is compensating you for the retired pay offset due to your combat-related conditions, and these conditions have an 80% DOD rating, it's highly likely that the $1,812.00 in CRSC will fully cover (and potentially exceed) the amount of retired pay being waived due to those specific combat disabilities.


Estimated Total Monthly Payment:


In this scenario:


• Estimated Gross Retired Pay: $5000 (This is an assumption for illustration)


• VA Waiver (Offset): $400 (The difference between gross and what you receive)


• CRSC Payment (80% Combat):$1,812.00


• VA Disability Compensation:$4,257.19


Your total monthly payment would be:


($5000 (Gross Retired Pay) - $1,812.00 (CRSC restoring waived amount)) + $4,257.19 (VA Compensation) = $7,445.19


More Likely Scenario (Assuming CRSC fully covers the combat-related waiver):


A more direct way to think about it is:


• Military Retired Pay (What you currently receive after the initial waiver): $4600


• CRSC Payment (Restoring the waived amount related to combat disabilities): $1,812.00


• VA Disability Compensation:$4,257.19


Total Estimated Monthly Payment = $4600 + $1,812.00 + $4,257.19 = $10,669.19


Important Considerations:


• Gross Retired Pay: The exact amount of your gross military retired pay (before the VA waiver) is crucial for a precise calculation. You can find this on your retirement pay statements.


• VA's Combat-Related Determination:The VA determines which of your service-connected disabilities are combat-related. Your CRSC eligibility and payment amount depend on this determination.


• DFAS Coordination: The Defense Finance and Accounting Service (DFAS) manages both your retired pay and CRSC payments and coordinates with the VA.



• Application for CRSC: You must apply for CRSC through your branch of service to receive these benefits.


In conclusion, with over 20 years of service and combat-coded disabilities, your total monthly payment under CRSC will likely be significantly higher than your current $4600. It will be the sum of your military retired pay (potentially with some of the initially waived amount restored by CRSC) plus your full VA disability compensation plus the CRSC payment for your combat-related conditions. Applying for CRSC is the necessary step to determine the exact amount.
Click to expand...
One more thing. Doesn't hurt to apply for CRSC. You can choose to use it or not each year. DFAS will choose what's best financially. However, like I said before its splitting hairs and not going to make a difference for most since you have 20 AFS. You will get all of your earned longevity pension and all of your VA compensation. So its just about seeing if there is a tax advantage to getting CRSC instead of concurrent receipt.
 
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