Help with CRSC Estimate and DOD retirement for Board-- PLEASE :)

N

navyyokosuka

PEB Forum Regular Member
Registered Member
Good afternoon,

I'd love some help with a CRSC Estimate. I am going up for my final TDRL Board. The Board is deciding if I should be retired at 30% DOD or 50% DOD. I am trying to see if this will effect any of my potential CRSC money. I submitted my CRSC application and unofficially I was told around 20-55% (yes I know this is a large range there are conditions that are still being evaluated by the VA so I have to wait until those get added to get a better CRSC estimate). I was playing around with the CRSC calculator here: crsc calculator | crsc and it appears there is a big difference between if I am retired at 30% versus 50% DOD.

My CRSC numbers and information is below:

1.--Average high three for basic pay (total of the highest 36 months of pay divided by 36): $3,579.00
2.--DoD disability percentage: 50% or 30%
3. --Active duty years and months (or active duty equivalent for RC members which is total creditable points divided by 360). Your retirement orders will show your active duty equivalent on page one, about 3/4 down the first page as “Disability Retirement”: 4 Years, 9 months
4. --VA compensation (All of the following): 100%; $3,967.36 with SMC-K
5.--Projected or approved CRSC percentage by your service. 20-55%
6.--Whether you qualify for another type of retirement: No.
7.--Did you receive a REDUX/CSB payment? If REDUX was received, then all the info (amounts and description) on page one of your DFAS RAS is needed in addition to other info requested. Please show a description for each item.: No, I did not receive REDUX/CSB.
8.--Did you accept the Blended Retirement program option? Yes, I was under the blended retirement program.



I have done some estimated calculations based on the CRSC calculator above and I am a very confused.


If 30% DOD Retirement:
and
Awarded
30% CRSC: $537/month
40%: $774/month
50%: $1102/month
55%: $1133/month --- this is the max amount I can receive to the best of my knowledge based on the calculator?


If 50% DOD Retirement:
and
Awarded
50% CRSC: $680/month
35%: $680/month --- this is the max amount I can receive to the best of my knowledge based on the calculator?
30%: $537/month



My questions are as follows:

Does the 30% versus 50% DOD retirement impact my CRSC?? Why does the reduction in DOD retirement increase my CRSC?

If yes, then by how much?

Are the calculations above accurate?

How does Blended Retirement affect this?

If the calculations are correct, then it looks like my maximum money option is to go with 30% DOD retirement and try to max out as much CRSC as possible??

Considerations: I worry about possible effects in the future -- like the major richard star act gets passed and then the DOD retirement could be worth more at 50% versus 30%, but who knows how this or even if it would be passed? I am just trying to make the best decision as I can right now taking into account everything.

Any help, or sanity checking on the calculations would be greatly appreciated!
 
A higher DOD percent will not impact your CRSC. The amount of CRSC you receive is the less of these two: your longevity pension or equivalent percentage on the VA pay tables.

The easiest way to determine your longevity pension is TIS multiplied by 2.5% or 2% depending on if you are in the Blended Retirement System. Since you only have 4 years and 9 months you are automatically in the Blended Retirement System.

The Major Richard Star Act will pass when JFK gets reelected.

Your max CRSC payment is $340. This number was calculated like this.... 3579 x 9.5% = 340.005

This is only accurate if your high three and Time in Service is accurate above. 9.5% is what you earned in pension 4.75 years X 2%.

Also looking at your numbers from the calculator and such... you are most likely getting weird numbers because your high and DOD pay total are not the same thing. So if you enter 3579 into the calculator its calculating your high three based on that number and the DOD disability percentage you enter. The number the calculator needs is the number listed on your RAS on mypay.
 
Last edited:
navyyokosuka said:
Good afternoon,

I'd love some help with a CRSC Estimate. I am going up for my final TDRL Board. The Board is deciding if I should be retired at 30% DOD or 50% DOD. I am trying to see if this will effect any of my potential CRSC money. I submitted my CRSC application and unofficially I was told around 20-55% (yes I know this is a large range there are conditions that are still being evaluated by the VA so I have to wait until those get added to get a better CRSC estimate). I was playing around with the CRSC calculator here: crsc calculator | crsc and it appears there is a big difference between if I am retired at 30% versus 50% DOD.

My CRSC numbers and information is below:

1.--Average high three for basic pay (total of the highest 36 months of pay divided by 36): $3,579.00
2.--DoD disability percentage: 50% or 30%
3. --Active duty years and months (or active duty equivalent for RC members which is total creditable points divided by 360). Your retirement orders will show your active duty equivalent on page one, about 3/4 down the first page as “Disability Retirement”: 4 Years, 9 months
4. --VA compensation (All of the following): 100%; $3,967.36 with SMC-K
5.--Projected or approved CRSC percentage by your service. 20-55%
6.--Whether you qualify for another type of retirement: No.
7.--Did you receive a REDUX/CSB payment? If REDUX was received, then all the info (amounts and description) on page one of your DFAS RAS is needed in addition to other info requested. Please show a description for each item.: No, I did not receive REDUX/CSB.
8.--Did you accept the Blended Retirement program option? Yes, I was under the blended retirement program.



I have done some estimated calculations based on the CRSC calculator above and I am a very confused.


If 30% DOD Retirement:
and
Awarded
30% CRSC: $537/month
40%: $774/month
50%: $1102/month
55%: $1133/month --- this is the max amount I can receive to the best of my knowledge based on the calculator?


If 50% DOD Retirement:
and
Awarded
50% CRSC: $680/month
35%: $680/month --- this is the max amount I can receive to the best of my knowledge based on the calculator?
30%: $537/month



My questions are as follows:

Does the 30% versus 50% DOD retirement impact my CRSC?? Why does the reduction in DOD retirement increase my CRSC?

If yes, then by how much?

Are the calculations above accurate?

How does Blended Retirement affect this?

If the calculations are correct, then it looks like my maximum money option is to go with 30% DOD retirement and try to max out as much CRSC as possible??

Considerations: I worry about possible effects in the future -- like the major richard star act gets passed and then the DOD retirement could be worth more at 50% versus 30%, but who knows how this or even if it would be passed? I am just trying to make the best decision as I can right now taking into account everything.

Any help, or sanity checking on the calculations would be greatly appreciated!
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@iamthewalrus016 is correct. Just make sure you stay at 30% or higher PDRL. You can only get the value of your pension which is small because you didn't serve very long. There one nice thing about a higher DOD% though. That is because it is your floor for compensation. If your VA went to 0% then in that scenario having a 50% DOD would pay you more than having a 30% DOD. Though that's more of a game theory thing because for most there VA % only goes up with time and people tend to be the healthiest at younger ages and have more health issues as they age.
 
Provis said:
@iamthewalrus016 is correct. Just make sure you stay at 30% or higher PDRL. You can only get the value of your pension which is small because you didn't serve very long. There one nice thing about a higher DOD% though. That is because it is your floor for compensation. If your VA went to 0% then in that scenario having a 50% DOD would pay you more than having a 30% DOD. Though that's more of a game theory thing because for most there VA % only goes up with time and people tend to be the healthiest at younger ages and have more health issues as they age.
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In this particular case, yes, however, if one's DOD is too high AND their VA is too low, i.e., 70% for example, they could end up with a high DOD residual which will reduce their CRSC amount eligible for. So, the best case, imho, is a low DOD rating :)
 
RetiredColonel-MikeT said:
In this particular case, yes, however, if one's DOD is too high AND their VA is too low, i.e., 70% for example, they could end up with a high DOD residual which will reduce their CRSC amount eligible for. So, the best case, imho, is a low DOD rating :)
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In that scenario that can later be changed:). At least with VA ratings you can work on having them go up whereas dod % PDRL can't be changed later down the road. I like VA ratings more because they can increase as you age and have more health issues. I got out at 10% and then 10 years later increased it when some other secondary conditions worsened. In fact, its time for me to apply with the VA again when I have the time and will to go through that whole process again lol.
 
Provis said:
In that scenario that can later be changed:). At least with VA ratings you can work on having them go up whereas dod % PDRL can't be changed later down the road. I like VA ratings more because they can increase as you age and have more health issues. I got out at 10% and then 10 years later increased it when some other secondary conditions worsened. In fact, its time for me to apply with the VA again when I have the time and will to go through that whole process again lol.
Click to expand...
Absolutely, and I strongly recommend for those who are not at 90-100% to get back at it and work with a VSO in doing so. As long as they *should* be at 100%, not everyone deserves that early on but will certainly get there as they age ::looking at you old-man, @Provis LOL:: I laugh because I just turned 60 last month and switched to CMRP which is significantly more than my CRSC ;)
 
iamthewalrus016 said:
A higher DOD percent will not impact your CRSC. The amount of CRSC you receive is the less of these two: your longevity pension or equivalent percentage on the VA pay tables.

The easiest way to determine your longevity pension is TIS multiplied by 2.5% or 2% depending on if you are in the Blended Retirement System. Since you only have 4 years and 9 months you are automatically in the Blended Retirement System.

The Major Richard Star Act will pass when JFK gets reelected.

Your max CRSC payment is $340. This number was calculated like this.... 3579 x 9.5% = 340.005

This is only accurate if your high three and Time in Service is accurate above. 9.5% is what you earned in pension 4.75 years X 2%.

Also looking at your numbers from the calculator and such... you are most likely getting weird numbers because your high and DOD pay total are not the same thing. So if you enter 3579 into the calculator its calculating your high three based on that number and the DOD disability percentage you enter. The number the calculator needs is the number listed on your RAS on mypay.
Click to expand...
Will The Major Richard Star Act finally pass this year?
 
jon76 said:
They said they were going to put it in the NDAA
Click to expand...
Just like the last 3 years. Same with immense bipartisan support. Its just not going to happen.

Also if you are already receiving CRSC it is most likely not going to change anything for you. There has been many different versions of the bill and it remains up in the air if it will grant you being paid on your DOD percentage or your longevity percentage.
 
iamthewalrus016 said:
Just like the last 3 years. Same with immense bipartisan support. Its just not going to happen.

Also if you are already receiving CRSC it is most likely not going to change anything for you. There has been many different versions of the bill and it remains up in the air if it will grant you being paid on your DOD percentage or your longevity percentage.
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Which is why I’m not taking my shingle down, but it comes to CRSC lol I was hoping it would put me out of business but knowubt how DOD works that won’t happen for a long long lol
 
iamthewalrus016 said:
Just like the last 3 years. Same with immense bipartisan support. Its just not going to happen.

Also if you are already receiving CRSC it is most likely not going to change anything for you. There has been many different versions of the bill and it remains up in the air if it will grant you being paid on your DOD percentage or your longevity percentage.
Click to expand...
Well hopefully after the Soto Supreme Court Case win they’ll backpay me more than just the 6 years they did for my CRSC.
 
jon76 said:
Well hopefully after the Soto Supreme Court Case win they’ll backpay me more than just the 6 years they did for my CRSC.
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If I was in your position... I would call DFAS and ask them how they are going to pay all the people that were impacted by the original 6 year limit. It might be as easy as an audit as I am sure they are required to maintain the documents they used to start paying you CRSC.
 
iamthewalrus016 said:
I was in your position... I would call DFAS and ask them how they are going to pay all the people that were impacted by the original 6 year limit. It might be as easy as an audit as I am sure they are required to maintain the documents they used to start paying you CRSC.
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I agree, however, the USSC only remanded it back to the lower courts since it didn't meet the criteria of the Barring Statute. Things still have to be figured out on how things will be handled, not to mention Soto vs US only pertained to those with less than $10k in debt owed by DOD. Those with more than that has not been decided as the class action suit is just barely getting traction and notifications of those affected have not been done yet. Long story short: don't expect the retro yet
 
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