CRSC Estimate please

M

MSG_Raven2-3

Well-Known Member
PEB Forum Veteran
Registered Member
E8, 28 good years of reserve time. 100% DOD and 100% VA (plus SMS-S)

Here is my information

1. High three base pay average for retirement from RAS DFAS: $6785.79, receiving $5089 (75% of the high-3) minus 4751 (VA)=$338 remaining DOD after VA offset

2. DoD disability retirement percentage. 100% with 75% max

3. Years and months of active duty My active duty per PDRL Orders is 10 years and 7 months approx 10.8
Note: This includes the creditable years of service by 360

4. VA compensation:
-- 100%
-- I have 100% VA Compensation, $4751, Spouse and 3 children under 18
and
---I have SMC-S in the amount of $446. TOTAL VA Compensation WITH SMS-S is $4751

5. Expect to have 100% CRSC approved for combat-related.

6. Yes, I qualify for Reserve Retirement pay but have NOT reached retirement age, current age 47.

7. Last question, what happens to my chapter 61 PDRL retirement when I hit 60 and start receiving non-regular retirement? Does that mean 75% of high-3 go away and just receive reserve retirement?

Hopefully, I didn't forget anything.
 
Did you have the blended retirement?

Your retirement orders under DISABILITY RETIREMENT will show your precise active duty equivalent as YEARS xx MONTHS xx DAYS xx

Your CRSC now and the future cannot exceed the longevity portion of retirement pay’. Also the combination of residual retirement pay and CRSC cannot exceed the longevity amount.

Chapter 61 Disability Retirees:
Each CH 61 case involves these ceilings and other factors:

—Must be entitled to retired pay
—Agrees to waive retired pay in the amount of VA compensation received.
—CRSC cannot exceed the amount of the waived retired pay.
—CRSC cannot exceed the amount of the approved CRSC percentage (amt in VA Comp tables).
—CRSC cannot exceed the dollar amount of the longevity portion of retired pay.
—CRSC when combined with residual retired pay cannot exceed the longevity amount.

As one can see, more than one of the ceilings shown above could apply to the retiree. In those cases, the lesser amount is the CRSC amount.

Your reserve retirement pay (“concurrent receipt”) will also be the longevity amount AND and any retired pay in excess of the longevity amount will be waived. Concurrent Military Retirement Pay and DVA Disability Compensation (DFAS pmt) does not include the amount in excess of the longivity.

Ron
 
Hello @MSG_Raven2-3 ,

Assuming you did not have the blended retirement and using your figures:

10.8 x 2.5% = 27% longevity multiplier

High three per your computation : $6785.79 x 27% = 1832.16 a CRSC max which is reduced by 338 residual

1832.16 minus 338 = 1494.16 CRSC payable
DFAS will pay (in your scenario) 1494.16 plus 338 residual retired pay
The VA will pay the full amount of your VA comp

The longevity amount is much less than CRSC @ 100% using VA compensation tables.

Ron
 
Glad we could help...


R0n
 
RonG said:
Hello @MSG_Raven2-3 ,

Assuming you did not have the blended retirement and using your figures:

10.8 x 2.5% = 27% longevity multiplier

High three per your computation : $6785.79 x 27% = 1832.16 a CRSC max which is reduced by 338 residual

1832.16 minus 338 = 1494.16 CRSC payable
DFAS will pay (in your scenario) 1494.16 plus 338 residual retired pay
The VA will pay the full amount of your VA comp

The longevity amount is much less than CRSC @ 100% using VA compensation tables.

Ron
Click to expand...

wow....Veterans are really getting the bad end of the stick; the 75% really is useless
If his receiving $5089 (75% of the high-3) minus 4751 (VA)=$338 remaining DOD after VA offset...
So even with a 100% CRSC, he will only get MAX $1832.16 [before substracting the $338 he already getting]

so technically his losing $4751 - $1832.16 = [ $2,918.84 ] pooof disappear into thin air. This system isn't fair.

At age 60, the 75% Dod disability will go away....DFAS will recalculate using his reserve points.
CRDP will come into play but if he's already MAX out with CRSC there's no point in doing CRDP. [ dfas will let you pick wichever is more beneficial]
There's a rule that say if the PEB determine your condition is combat related you don't have to pay TAXES on your regular retirement pay. That don't apply here because he can get crsc, would mostly benefit those unable to get crsc because their longevity pay wouldn't be taxed.
 
Hello,

Reference: “At age 60, the 75% Dod disability will go away....DFAS will recalculate using his reserve points.”

Reserve retirement at ~60 is not automatic; one must apply for it.

Ron
 
teey said:
wow....Veterans are really getting the bad end of the stick; the 75% really is useless
If his receiving $5089 (75% of the high-3) minus 4751 (VA)=$338 remaining DOD after VA offset...
So even with a 100% CRSC, he will only get MAX $1832.16 [before substracting the $338 he already getting]

so technically his losing $4751 - $1832.16 = [ $2,918.84 ] pooof disappear into thin air. This system isn't fair.

At age 60, the 75% Dod disability will go away....DFAS will recalculate using his reserve points.
CRDP will come into play but if he's already MAX out with CRSC there's no point in doing CRDP. [ dfas will let you pick wichever is more beneficial]
There's a rule that say if the PEB determine your condition is combat related you don't have to pay TAXES on your regular retirement pay. That don't apply here because he can get crsc, would mostly benefit those unable to get crsc because their longevity pay wouldn't be taxed.
Click to expand...
The 75% is based on a disability retirement and its nice to have that since that is your floor for compensation. Regardless of VA compensation or any other pension earned you will get that amount.

The most you can get by law is the combination between earned longevity pension + VA compensation. No one who maxes out via that calculation is getting screwed. If you get CRSC up to the limit and are capped you are getting everything you deserve since you are getting all of your earned longevity pension and VA compensation.

The ones that get screwed are the ones who retire regularly with less than 50% VA compensation and not qualified for CRSC. The other group that gets screwed are those who are forced to retire early via a chapter 61 pension and don't qualify for any or enough CRSC to make them whole. Meaning the combination of their earned longevity pension + VA compensation is higher than what they are currently getting.
 
Provis said:
The 75% is based on a disability retirement and its nice to have that since that is your floor for compensation. Regardless of VA compensation or any other pension earned you will get that amount.

The most you can get by law is the combination between earned longevity pension + VA compensation. No one who maxes out via that calculation is getting screwed. If you get CRSC up to the limit and are capped you are getting everything you deserve since you are getting all of your earned longevity pension and VA compensation.

The ones that get screwed are the ones who retire regularly with less than 50% VA compensation and not qualified for CRSC. The other group that gets screwed are those who are forced to retire early via a chapter 61 pension and don't qualify for any or enough CRSC to make them whole. Meaning the combination of their earned longevity pension + VA compensation is higher than what they are currently getting.
Click to expand...

Yeah, there's definitely all kind of scenarioes where Vets getting screwed....But I kept looking at the $5,089 (high 3 pay) as a starting point since his getting (75% high 3)....But now that I think about it, had he not did medical retirement, his starting point of $5,089 would of been reduce because he would of probably be getting 50 -60% of his high 3's..That slipped my mind.

with that being said, It seem like if someone in active duty is going to do medical retirement instead of regular retirement. They better be damn sure they're going to get more than 50% DOD otherwise it's not beneficial.
 
teey said:
Yeah, there's definitely all kind of scenarioes where Vets getting screwed....But I kept looking at the $5,089 (high 3 pay) as a starting point since his getting (75% high 3)....But now that I think about it, had he not did medical retirement, his starting point of $5,089 would of been reduce because he would of probably be getting 50 -60% of his high 3's..That slipped my mind.

with that being said, It seem like if someone in active duty is going to do medical retirement instead of regular retirement. They better be damn sure they're going to get more than 50% DOD otherwise it's not beneficial.
Click to expand...
If you do 20 year regular retirement and have a total VA% of 50% or higher you max out gross compensation. It wouldn't matter if you qualified for a DOD% of 30% or 75%. You would still get the same amount.
 
Can you please calculate mine


1. High three base pay average:2561.33 current dod pay is $1921 which is waived

2. DoD disability retirement percentage. 70%

3. Years and months of active duty My active duty per PDRL Orders is 4 years and 5 months

4. VA compensation:
-- 100%
-- I have 100% VA Compensation, Spouse and 1 children under 18 is $4544.87

5. have 90% CRSC approved for combat-related.

Rank was SPC pay grade E04
 
monkey72756 said:
Can you please calculate mine


1. High three base pay average:2561.33 current dod pay is $1921 which is waived

2. DoD disability retirement percentage. 70%

3. Years and months of active duty My active duty per PDRL Orders is 4 years and 5 months

4. VA compensation:
-- 100%
-- I have 100% VA Compensation, Spouse and 1 children under 18 is $4544.87

5. have 90% CRSC approved for combat-related.

Rank was SPC pay grade E04
Click to expand...
The high base average was per month
 
monkey72756 said:
The high base average was per month
Click to expand...
Your maxed out for CRSC at $242.03. Your high 3 figure was off. Its 2744 based on dividing your waived DOD pay by 70%. You can't get more than the combination of your earned longevity pension and VA compensation combined. I calculated the numbers based on BRS at 2% since anyone who entered service January 2018 or later are on the blended retirement system.
 
Provis, And earlier post in this thread said "At age 60, the 75% Dod disability will go away....DFAS will recalculate using his reserve points.
CRDP will come into play but if he's already MAX out with CRSC there's no point in doing CRDP. [ dfas will let you pick wichever is more beneficial". I am medically retired O3E with 14.5 years. I am 70% DOD 100% VA PDRL. Combat related. Is my retirement going away when I turn 60? This was pretty concerning to me when I read it. I was active duty.
 
Provis said:
Your maxed out for CRSC at $242.03. Your high 3 figure was off. Its 2744 based on dividing your waived DOD pay by 70%. You can't get more than the combination of your earned longevity pension and VA compensation combined. I calculated the numbers based on BRS at 2% since anyone who entered service January 2018 or later are on the blended retirement system.
Click to expand...
I entered service 2008 service till 2012
 
MNgopher1 said:
Provis, And earlier post in this thread said "At age 60, the 75% Dod disability will go away....DFAS will recalculate using his reserve points.
CRDP will come into play but if he's already MAX out with CRSC there's no point in doing CRDP. [ dfas will let you pick wichever is more beneficial". I am medically retired O3E with 14.5 years. I am 70% DOD 100% VA PDRL. Combat related. Is my retirement going away when I turn 60? This was pretty concerning to me when I read it. I was active duty.
Click to expand...
It just means that if you max out compensation via CRSC then you are maxed out. So if you also have a 20 year letter and qualify for a Reserve/Guard retirement at age 60 there is no need to apply for that retirement at age 60 since you are already maxed out regarding compensation.

Lets say you didn't qualify for CRSC or your CRSC % wasn't high enough to recoup all monies lost due to VA offset then you would want to contact DFAS once you qualified for your Reserve/Guard retirement at age 60. That is because if your chapter 61 retirement amount isn't greater than the combination of your VA disability amount + Reserve/Guard retirement amount you aren't maxed out for compensation. That's the case for 99.99% out there. The lone exception is for someone that has super low points but is an O6 in the reserves/guard who had a 75% DOD. I have only seen that happen a handful times since most don't get that high of rank and for the ones that do they have significant points towards their earned reserve/guard retirement making the value of their pension + VA disability higher than their total chapter 61 retirement amount.

In my wife's case she medically retired at age 38 with 6200 points and her rank was O4. She joined at age 17 in the Reserves and most all of her career she was on active duty orders. For her it was combination of deployments, ADOS and AGR. She direct commissioned to be an officer 8 years into her career. She was medically retired with just over 17AFS and 20 good years. She delayed enough to ensure she was medically retired a few months after reaching her 20 good years:). In her case she was going to need to wait for 22 years before she was eligible for her Reserve Retirement and Concurrent receive of VA pay at age 60. When you calculated her earned Reserve pension amount and her VA compensation the amount was $1,500 more than what she was receiving for her Chapter 61 pension with 75% DOD. So for her not being able to reach 20 AFS and retire via AGR she was losing out on a lot of pay. So she applied for CRSC and was granted 80%. That amount is over 2k. So for her to reach max compensation was $1,500 she received only $1,500 since she was capped at that amount. Now when you take her VA compensation + the leftover amount of her Chapter 61 pension + CRSC pay she was maxed out. There is no need for her to apply for her Reserve Retirement at age 60. I hope that helps! So basically if you can max out compensation by apply for and receiving CRSC there is no need to apply for your earned Reserve/Guard pension at age 60 as it will not increase your compensation. Also, anytime you do something with pay you risk something getting screwed up so its wise not the poke the bear. LOL.
 
Like April 2018 you were 70 percent CRSC and then in October 2018 they bumped you to 90?

And you want to know the pay difference in that increase? Or do you want to know how much retro payment amount you will get?

Also your retro payment couldn’t be more than 21,816 as retro pay is limited by law to 6 years.
 
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