NG CRSC Estimate Help

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mrbeans

PEB Forum Regular Member
Registered Member
Greetings all. New member here, found out about this site via reddit. I am currently a National Guard soldier who is in the process of an MEB. I have been searching this website amongst others in an attempt to try to understand how these different benefits work. It really is confusing the crap out of me how much CRSC is calculated. I have not officially been given my DOD rating, but based off of my VA ratings, I "should" given a DOD rating of 70%. I know a couple things are a little different between active duty and national guard soldiers, so any help is appreciated! I tried to include as much information as possible. Thank you!

1. My high three average is (I am not even sure how to answer this, as I am a M-DAY soldier in the National Guard. I know it's suppose to use the highest base pay over the course of three years, but I still do not understand.) My base pay is $6,457 via mypay (CW2) but again, I only receive $861 in base pay for a drill weekend.

2. My "expected" DoD disability rating is 70%

3. Total time in service IAW with my NGB-23 is 15 years and 6 months with National Guard. (Total Career Points 2532pts, Total Active Duty points 2517pts, just shy of 7 years Active Duty total)

4. I have 100% P&T VA compensation, spouse, 2 child under 18.

I have SMC-K in the amount of $132.74

Total VA: ~$4,300

5. "Expected" CRSC Rating for combat related disability- 70% ($2,040 VA calculations)

6. Not sure if its applicable, but my latest NGB-23 states that at retiring with 20 years it would amount for $1,257. (I am under the legacy retirement program and not BRS)

7. I do not have a 20 year letter

8. Have not met age requirement for reserve retirement
 
Hello @mrbeans

1. The average high three full base pay is the total of the highest 36 months full base pay divided by 36.
Previous rates of base pay are archived at DFAS web sites and elsewhere. This amount would be part of your calculation = $6,457 via mypay

2. Your active duty equivalent is needed. Total creditable points divided by 360.
Active duty equivalent x 2.5% (2% for BRP) = longevity multiplier
Average high three base pay x longevity multiplier = hypothetical longevity portion of retired pay

3. Your CRSC will be the lesser / lower amount of the approved CRSC percentage using the VA COMP TABLES
OR
The longevity portion of your hypothetical longevity retirement

4. The value of a CRSC estimate is questionable at this point since so much is unknown or a guess.

5. In any case, an estimate will be provided once all the information you have at this time is provided.

Regards,
Ron
 
RonG said:
Hello @mrbeans

1. The average high three full base pay is the total of the highest 36 months full base pay divided by 36.
Previous rates of base pay are archived at DFAS web sites and elsewhere. This amount would be part of your calculation = $6,457 via mypay

2. Your active duty equivalent is needed. Total creditable points divided by 360.
Active duty equivalent x 2.5% (2% for BRP) = longevity multiplier
Average high three base pay x longevity multiplier = hypothetical longevity portion of retired pay

3. Your CRSC will be the lesser / lower amount of the approved CRSC percentage using the VA COMP TABLES
OR
The longevity portion of your hypothetical longevity retirement

4. The value of a CRSC estimate is questionable at this point since so much is unknown or a guess.

5. In any case, an estimate will be provided once all the information you have at this time is provided.

Regards,
Ron
Click to expand...
Thanks for the reply RonG. When I try to do the calculations (using $6457 as HIGH 3) and based off a 70% DOD rating and a CRSC rating of 70%, I come out with a CRSC amount of $910.08. Does this sound somewhat correct or am I way off?
 
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mrbeans said:
Thanks for the reply RonG. When I try to do the calculations (using $6457 as HIGH 3) and based off a 70% DOD rating and a CRSC rating of 70%, I come out with a CRSC amount of $910.08. Does this sound somewhat correct or am I way off?
Click to expand...
Hello @mrbeans

What number are you using for active duty equivalent ? And…6457 is not your high three since it is a recent amount paid.

a. 6457 x 70% = 4520 retired pay
b. Minus 4300 VA = 220 residual retired pay which reduces CRSC longevity amount
c. IF 7 years is your active duty equivalent, then 7 x 2.5% = 17.7% longevity multiplier
d. 6457 x 17.7% = 1142.89 hypothetical longevity portion of retired pay
e. 1142.89 minus 220 residual = 922.89 CRSC
f. DFAS Payments = 922.89 CRSC plus 220 residual ret pay
g. Va payment = 4300 ea mo

Ron
Note: the active duty equivalent is one of the most important parts of the computation. It will be shown on your retirement orders as DISABILITY RETIREMENT xx years xx months
 
RonG said:
M

Hello @mrbeans

What number are you using for active duty equivalent ? And…6457 is not your high three since it is a recent amount paid.

a. 6457 x 70% = 4520 retired pay
b. Minus 4300 VA = 220 residual retired pay which reduces CRSC longevity amount
c. IF 7 years is your active duty equivalent, then 7 x 2.5% = 17.7% longevity multiplier
d. 6457 x 17.7% = 1142.89 hypothetical longevity portion of retired pay
e. 1142.89 minus 220 residual = 922.89 CRSC
f. DFAS Payments = 922.89 CRSC plus 220 residual ret pay
g. Va payment = 4300 ea mo

Ron
Note: the active duty equivalent is one of the most important parts of the computation. It will be shown on your retirement orders as DISABILITY RETIREMENT xx years xx months
Click to expand...
If only in 7 years he or she may be blended which is 2% instead of 2.5% and that will affect the calcuations.
 
Excellent point.

DoD: “The Blended Retirement System (BRS) is a modernized retirement plan for the
Uniformed Services that is available to eligible service members starting Jan.
1, 2018. “

Ron
 
Provis said:
If only in 7 years he or she may be blended which is 2% instead of 2.5% and that will affect the calcuations.
Click to expand...
I have been in the Guard for 16 years, but the Active Duty equivalent based on my total points is 7 years of total active duty time. I am under the legacy retirement system.

EDIT: This is one of the more confusing parts for me. Is the time in service based on total active duty years or total time in service regardless of it being a combination of active and reserve time?
 
RonG said:
M

Hello @mrbeans

What number are you using for active duty equivalent ? And…6457 is not your high three since it is a recent amount paid.

a. 6457 x 70% = 4520 retired pay
b. Minus 4300 VA = 220 residual retired pay which reduces CRSC longevity amount
c. IF 7 years is your active duty equivalent, then 7 x 2.5% = 17.7% longevity multiplier
d. 6457 x 17.7% = 1142.89 hypothetical longevity portion of retired pay
e. 1142.89 minus 220 residual = 922.89 CRSC
f. DFAS Payments = 922.89 CRSC plus 220 residual ret pay
g. Va payment = 4300 ea mo

Ron
Note: the active duty equivalent is one of the most important parts of the computation. It will be shown on your retirement orders as DISABILITY RETIREMENT xx years xx months
Click to expand...
My HIGH 3 would be $6,323 if my calculations are correct. (apologies for the incorrect previous amount) And 7 years is my active duty equivalent.
 
mrbeans said:
I have been in the Guard for 16 years, but the Active Duty equivalent based on my total points is 7 years of total active duty time. I am under the legacy retirement system.

EDIT: This is one of the more confusing parts for me. Is the time in service based on total active duty years or total time in service regardless of it being a combination of active and reserve time?
Click to expand...
Hello,

1. Your longevity retirement is determined by active-duty equivalent. It is not determined by service for basic pay nor "Good Years"
2. If you had qualified for reserve retirement with 20 good years and met the age requirement, your reserve retired pay would be determined using active-duty equivalent.
3. One of the CRSC ceilings is the active duty equivalent x 2.5% or 2% for BRP = longevity multiplier. Average high three x longevity multiplier = hypothetical longevity portion of retired pay.
4. Here is a good site for understanding points and their conversion: Understanding Reserve and Guard Good Years & Points <---LINK

5. Your unit should have provided a document with your points total and conversion. Perhaps that is still in the works.
6. I was not a member of the reserve component.

Ron

Edited to add: "total time in service regardless of it being a combination of active and reserve time?" Yes, active-duty equivalent will include AD and the conversion of points.
 
Guard and Reserves:
Make sure you compute your High 36 and retirement points prior to asking for CRSC and retirement calculations. Check all sources to see if there are any discrepancies. Your obligation is you and your family. Bank statements, drill dates, and unit roster logs are crucial. Everything has an effect on CRSC and retirement. We are not confirming retirement point totals. We are accepting what higher HQs gives us and they will make mistakes. You are the manager of your career. No one will do it better than you.
 
bjenk said:
Guard and Reserves:
Make sure you compute your High 36 and retirement points prior to asking for CRSC and retirement calculations. Check all sources to see if there are any discrepancies. Your obligation is you and your family. Bank statements, drill dates, and unit roster logs are crucial. Everything has an effect on CRSC and retirement. We are not confirming retirement point totals. We are accepting what higher HQs gives us and they will make mistakes. You are the manager of your career. No one will do it better than you.
Click to expand...
Excellent advice.

An accurate short cut to determining average high three:

Gross (unreduced) base pay on most recent DFAS RAS divided by DoD disability percentage = contemporary high three

For active duty equivalent: See retirement orders. The term DISABILITY RETIREMENT with xx years and xx months will be what was reported for your retirement.

Ron
Note: In a small percentage of cases, the longevity multiplier is more than the DoD disability percentage. In those cases, the
Gross / longevity multiplier = high three
 
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