CRSC Estimate--Regular Retirement, Byran

RonG

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Bryan said:
YOS=24 years 11 mo active duty
High3=9241
Retired pay=5736 (gross before SBP)
VA disability=100% all combat related (gulf)
Monthly VA pay=3578
I haven't applied for CRSC yet, but planning to. Before I did so, I wanted to understand how the math is figured.

Bryan

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Hello,
I assume you have a regular retirement since you did not mention a DoD disability percentage.

1.So...24 yrs 11 mo (24.916 yrs) x 0.025 = 62.29% longevity multiplier
2. 9241 x 0.6229 = 5756.22 retired pay (close to the 5736 you show) which is the longevity
3. 5756.22 minus amount of VA comp 3578 = 2178.22 residual retired pay
4. If your CRSC was approved at 100%, it would fully replace the 3578 reduction shown at item 3.
5. You would receive from DFAS each month as a regular retiree with a 100% CRSC approval:
--2178.22 residual retired pay
--3578 CRSC
TOTAL: 5756.22 from DFAS (rough figure since there is a slight difference in the gross retired pay)

You also receive your VA comp from the VA.

Ron
 

bryanb124

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Registered Member
Ron,

I realized I should have posted here instead of the old thread:

----
Ron,

I received my first approval from the Army for CRSC; they awarded me 40%. I am resubmitting as I see that my VSO left out some records that will likely tie back in one or two other disabilities to combat related. I think the best I can end up with is going to be 90%.

Can you rework your magic and tell me what life looks on the backside of a 40% CRSC determination and any thoughts/advice you have (I think its going to rhyme with 'keep your CRDP'. Lastly, can you work it if I was reassessed at 90% CRSC?

Thanks!

Bryan
 

RonG

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Hello Bryan,


You will lose money IF your CRSC percentage is NOT equal to your total VA comp percentage. At 40%. you would lose a lot of money.

The amounts for approved CRSC are found in the VA compensation tables.

Residual retired pay plus CRSC cannot exceed the longevity portion of retired pay. 5756.22 minus amount of VA comp 3578 = 2178.22 residual retired pay . 9241 x 0.6229 = 5756.22 retired pay (close to the 5736 you show) which is the longevity

90% CRSC = Unknown since type and numbers of dependents were not mentioned elsewhere or I have overlooked them.
The VA comp tables are at: 2020 Veterans disability compensation rates | Veterans Affairs <---LINK

The amount you find at the VA comp tables for 90% with applicable dependents PLUS residual of 2178.22 (using old computation) cannot exceed the longevity of 5756.22 using my old figures. If the combination is less, then you would be losing money. If the combination is more, then the CRSC would be reduced to an amount that results in a total of 5756.22

Ron

OLD COMPUTATION
I assume you have a regular retirement since you did not mention a DoD disability percentage.

1.So...24 yrs 11 mo (24.916 yrs) x 0.025 = 62.29% longevity multiplier
2. 9241 x 0.6229 = 5756.22 retired pay (close to the 5736 you show) which is the longevity
3. 5756.22 minus amount of VA comp 3578 = 2178.22 residual retired pay
4. If your CRSC was approved at 100%, it would fully replace the 3578 reduction shown at item 3.
5. You would receive from DFAS each month as a regular retiree with a 100% CRSC approval:
--2178.22 residual retired pay
--3578 CRSC
TOTAL: 5756.22 from DFAS (rough figure since there is a slight difference in the gross retired pay)

You also receive your VA comp from the VA.
 

RonG

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Bryon,

Continuing our PM discussion. Perhaps we should continue using this open forum. Other readers should be aware that Bryon's longevity multiplier is higher than his disability multiplier and he also qualifies for CRDP.

1. First reply this morning:
Hi Bryan,

I will get to your questions after I finish my coffee.

Here is something to consider.

I was regular Army and have a regular 20+ yrs of AD. My VA and CRSC have changed several times. I was in the first batch of CRSC retro cases back in 2006.

Using 3000 as my longevity amount (which is my only multiplier...note one's retired pay does not keep up with AD pay, nor should it).

Now: I am 100% P&T which was changed to SMC-S. My VA comp is around 3600.
I waive 3000 in retired pay, but receive 3000 in CRSC.

Earlier: I used to select CRDP because my approved CRSC was less than the longevity which CRDP covered fully.

Once: I chose CRSC over CRDP even though the CRSC did not replace all of the retired pay (example 80%).

Reason: I have a retirement from Oklahoma State University (worked in College of Engineering--Research Proposals and budgets). I determined that although I would lose money by taking CRSC that did not cover all my waived retired pay, the tax benefit made up for it when considering my combined income. I think many people would have a similar situation.

Ron

2. Second reply this morning:

Re: "...have a spouse and three younger children so I receive $3578 from the VA. I think I'm in the grey area that if my CRSC comes in close to 100% (say 80 or 90%) "

Amount for 100%: 3,406.04 + (2 x 86.05 ) = 3578.14 (using 3578)
Amount for 90%: 2,132.96 + (2 x 77) = 2286.96 (using 2287)

5756.22 minus amount of VA comp 3578 = 2178.22 residual retired pay .
9241 x 0.6229 = 5756.22 retired pay (close to the 5736 you show) which is the longevity

CRSC @ 90% = 2287
Residual = 2178
TOTAL = 4465 which is much less than longevity

It appears to me that you would be losing more than $1000 by accepting CRSC @ 90%.


Ron
 
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