You said in the previous post you had 12.91 years of active duty and 25 years of ANG time. ANG guard time on inactive duty is counted. Each point equals one day. In the reserves we can go online and look at our points total anytime. It will show active duty points + inactive duty points=? My active duty points=6840 + 1160 inactive duty points=8000. This would qualify me for permanent retirement even with a 0% rating. What is your point total including active duty + inactive duty & membership points (15 points/year)? You have to have that information.