Just received proposed ratings!

DanZman

DanZman

PEB Forum Regular Member
Registered Member
A little background info... I am AD Air Force. Been in 21 years, E-7. Started MEB Oct 2011. C&Ps were done Feb 2012. NARSUM completed May 2012. Package sent to IPEB Jun 2012. Today my PEBLO called and said my results were in. I was rated at 70% DoD and 100% VA. My question is how do I calculate what I will receive in total. This is what I came up with:

$4192 average high 3 pay
$2934 based off 70%
$2201 minus 25% for taxes
$3023 VA 100%
$5224 so would this be my total or am I forgetting a few steps? Will CRDP be a factor as well?

This site has been a god send. Thanks all for your service!
 
DanZman said:
A little background info... I am AD Air Force. Been in 21 years, E-7. Started MEB Oct 2011. C&Ps were done Feb 2012. NARSUM completed May 2012. Package sent to IPEB Jun 2012. Today my PEBLO called and said my results were in. I was rated at 70% DoD and 100% VA. My question is how do I calculate what I will receive in total. This is what I came up with:

$4192 average high 3 pay
$2934 based off 70%
$2201 minus 25% for taxes
$3023 VA 100%
$5224 so would this be my total or am I forgetting a few steps? Will CRDP be a factor as well?

This site has been a god send. Thanks all for your service!
Click to expand...

Sounds about right to me.

If you are married, I think you have a Survior Benefit Plan funding to do as well, but only on the military retirement part.

I'm single, so don't know much about that SBP, but someone else on here probably knows.

You could do a search on this site for it and/or Google SBP and see what the official gov't site says.

I think the SBP payments come out of your military retirement, but don't know who much it reduces your military take-home pay.

nwlivewire
 
Thanks NW. I was getting confused on the whole CRDP thing and the offsetting stuff. Didn't you recently get your ratings and stuff too? Thought I read a post of yours saying you did. I'm at JBLM too. Can you give an idea of what you received. Thanks.
 
DanZman said:
A little background info... I am AD Air Force. Been in 21 years, E-7. Started MEB Oct 2011. C&Ps were done Feb 2012. NARSUM completed May 2012. Package sent to IPEB Jun 2012. Today my PEBLO called and said my results were in. I was rated at 70% DoD and 100% VA. My question is how do I calculate what I will receive in total. This is what I came up with:

$4192 average high 3 pay
$2934 based off 70%
$2201 minus 25% for taxes
$3023 VA 100%
$5224 so would this be my total or am I forgetting a few steps? Will CRDP be a factor as well?

This site has been a god send. Thanks all for your service!
Click to expand...

Glad to hear that you got a good outcome. Enjoy your well earned retirement and everything new that comes after your service!

It looks to me like you are counting on combining your military and VA comp. This is not right (generally). You need to start with the higher of the two amounts from either agency (AF or VA). Then you have to look to CRDP rules for figuring out what will be restored from the offset. Search for threads on CRDP and you will find the step to calculate.

If you can't find the calculations, post a follow up and I will look for you and link it in my reply.
 
Thanks Jason, your site has been my top fav for the last year. Its an awesome tool and I appreciate all you do for us. I'll start looking and if I can't figure it out I'll repost here. Thanks again.
 
DanZman said:
A little background info... I am AD Air Force. Been in 21 years, E-7. Started MEB Oct 2011. C&Ps were done Feb 2012. NARSUM completed May 2012. Package sent to IPEB Jun 2012. Today my PEBLO called and said my results were in. I was rated at 70% DoD and 100% VA. My question is how do I calculate what I will receive in total. This is what I came up with:

$4192 average high 3 pay
$2934 based off 70%
$2201 minus 25% for taxes
$3023 VA 100%
$5224 so would this be my total or am I forgetting a few steps? Will CRDP be a factor as well?

This site has been a god send. Thanks all for your service!
Click to expand...
An easier way to calculate for CRDP is knowing your max allowed. That would be LOS(52.5%) $2201 plus your VA compensation $3023. Total possible is $5224. The $2201 could be taxed unless combat related, etc. It's likely you will receive full LOS plus VA..........if you do the long calculation of deductions, additions, etc. you should come up with the end result of $5224.
 
So that's basically what I came up with only I didn't factor in the CRDP. I'm still trying to get as much info on that as I can so I can prepare myself. I'm so glad this process is nearing it's end. Any idea how long it takes after I signed for my proposed ratings to get orders back? My PEBLO is telling me a month. Then I get to use my leave and PTDY and should be out by end of December of January latest...I'm hoping.;)
 
pittpan2005 said:
An easier way to calculate for CRDP is knowing your max allowed. That would be LOS(52.5%) $2201 plus your VA compensation $3023. Total possible is $5224. The $2201 could be taxed unless combat related, etc. It's likely you will receive full LOS plus VA..........if you do the long calculation of deductions, additions, etc. you should come up with the end result of $5224.
Click to expand...
Long hand says $5218.
 
DanZman said:
So that's basically what I came up with only I didn't factor in the CRDP. I'm still trying to get as much info on that as I can so I can prepare myself. I'm so glad this process is nearing it's end. Any idea how long it takes after I signed for my proposed ratings to get orders back? My PEBLO is telling me a month. Then I get to use my leave and PTDY and should be out by end of December of January latest...I'm hoping.;)
Click to expand...
Essentially you lose $6 because of the phase in percentage used in the calculation.
 
I do it a few ways to make sure the numbers are close and I didn't make a major mistake. Keep in mind the variation comes in when I use 70% or 52.5%.

$3023-2201= $822 net retired pay
$2201-750=$1451 remaining offset amount
$1451x.9964=$1445 phase in amount
$1445+750= $2195 CRDP entitlement ********important because this number can't be greater than LOS pay*************

2201+822+2195= $5218 total

My fact check:
$3023-2934=$89 net retired pay
$2934-750=$2184 remaining offset amount
$2184x.9964=$2176 phase in amount
$2176+750= $2926 CRDP entitlement ********important because this number can't be greater than LOS pay********** since it is I reworked it below.
2934+89+2926=$5949-733(difference between medical and LOS retirement)= $5216 total

My Double Fact Check
2934+89+2193= $5216 total
 
You guys put out a lot of good info. I have been on the site for a while, what is this site everyone is talking about Jason. I read the forums, and you always seem to give really good advice. Can you please list the site so that I can read into it, or do you have something to do with this site. Navy Bud.
 
Thanks Dan, I love this site. It has taught me so much. I am very grateful. This process is so overwhelming that every little bit of info goes a long way. God Bless and good luck to everyone.
 
*******Survivor Benefit Plan******

Just in my opinion and from my personal experience, my grandfather got the SBP and when my Grandmother died and he’s still here, he lost everything he put in since he retired from the USMC in 1970. I opted to not get it which required my wife to sign the statement of rejection to the Survivor Benefit Plan. It was frustrating that if she was not there they could take all my Ret. pay or so they said. (Another mandatory Fun Thing from Uncle Sam). So my advice is steer clear of the SBP, but make sure you get copies of the rejection so they don’t try to take it anyways, I’ve had soldiers tell me about them doing that also.
 
In the AF it is mandatory that the spouse be present at the SBP appointment. In fact even if the SM says no and the spouse says yes, it is still done. I think given my disabilities it would be foolish for me not to get it. Although I was recently granted 100% from the VA so I need to check out what kind of insurance benefits I can get from them. Maybe they have a better plan.
 
DanZman said:
Thanks NW. I was getting confused on the whole CRDP thing and the offsetting stuff. Didn't you recently get your ratings and stuff too? Thought I read a post of yours saying you did. I'm at JBLM too. Can you give an idea of what you received. Thanks.
Click to expand...

Certainly DanZman!

I was placed at 70% PDRL and 100% VA P&T - not UI/IU.
Was authorized my SSDI from SSA, too.
Authorized VA Chap 35 for spouse/dependants (But I have no spouse or dependants who can use this).

I do NOT have 20 yrs AD - I have a 20 yr. NG retirement letter instead.

I will NOT CRDP until age 59 1/2, so I have off-sets.

And when I am 59 1/2 and can then CRDP, my CRDP will be limited to my LOS calculation from my NG retirement. I will NEVER see a full AD DFAS 70% PDRL check.

As a single person (widow), with no minor children, my retirement has gone down like this:

Discharged in APR 2012.

Rec'd first full month of 70% PRDL from DFAS in June - minus taxes. Waiting for the VA to finalize their rating, so I rec'd a full 70% PDRL check from DFAS - minus taxes.

VA OFF-SET kicked in in JULY.

So now (since AUG 01), I get 100% VA, but my 70% PDRL was reduced dollar-for-dollar from my 100% VA compensation.

You won't have to lose your money like I'm losing mine as you have over 20 yrs Active Duty. I'm a 20 yr. National Guard.
I lose 2,769 every month off my 70% PDRL (VA off-set), so I get a small and taxed check from DFAS of what is leftover.

If I had 20 yrs. or more of AD service, then I would be able to keep all my 70% PDRL AND my 100% VA - minus Fed/State tax on the PDRL - VA is tax-free.

If I had 20 yrs. of AD like you have, I could CRDP right now - just like you. But I'll never see it. I am a retired/disabled National Guard Servicemember. My disabilty income is figured and downgraded in large amounts, even though I have the same percentage of disability from these wars as you have, and my disabilities are a direct result from being mobilized to Active Duty for these wars.

So your math is correct for your situation. But remember to figure in the SBP and subtract that from your figures if SBP applies to you.

And best of luck to you on you retirement!

V/r,
nwlivewire

What I find so ironic about this is that Congressmen and Senators have to only serve SIX YEARS to get their 100% gov't retirement with no off-sets or downgrades.
For a Congressman, that's getting elected/re-elected to three terms and a Senator to ONE term.

These people can get "hit" with a voters ballot that could turn them out of office and take away their career of a 20-year national service record. So they get full retirement bennies after serving six years. And they don't have to be disabled to get them, either.

But as a National Guardsman, serving in a nationally declared war, they can get "hit" with a bullet - NOT a ballot, and they STILL don't get full retirement bennies.

Maybe I should run for office! I'd rather take a ballot than a bullet. At least I'd get all my disability bennies.
 
You got my vote NW! I guarantee if their retirements could be in jeapordy like ours they'd think twice before trying to screw anybody over. Thanks for the reply and all your knowledge. It really helped me throughout this whole year long process!
 
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