Permanent Profile for Seperation

[Scout060911]

Hello,

I am currently Army Reserves with 20+ years of service and currently rated 100 P&T from VA. My injuries are all from my active duty days and have just become worse over time. I am at a point to where I havent been able to pass a PT test for years. I submitted a packet to AR-MMC and they mentioned permanent profile or permanent profile for seperation. I've never heard of permanent profile for seperation and was wondering if that is the same as going through MEB. What would my process be like and would it be considered duty or non duty although all injuries are from active duty? I have been to sick call several times when drilling but never an official LOD.

 

[Provis]

Hello,

I am currently Army Reserves with 20+ years of service and currently rated 100 P&T from VA. My injuries are all from my active duty days and have just become worse over time. I am at a point to where I havent been able to pass a PT test for years. I submitted a packet to AR-MMC and they mentioned permanent profile or permanent profile for seperation. I've never heard of permanent profile for seperation and was wondering if that is the same as going through MEB. What would my process be like and would it be considered duty or non duty although all injuries are from active duty? I have been to sick call several times when drilling but never an official LOD.

Without LOD they will probably just kick you out and put you in retired reserves. You can look up how to fight it. The process is long, difficult and stacked in their favor. Without an LOD your chances aren't good. I am not saying that you shouldn't fight it. Just know what you are fighting and what you are fighting for. Most medical retirees don't get anymore compensation since their VA pay is greater than their chapter 61 retirement. So if you are enlisted what you would be fighting for is Tricare. To be able to get your VA pay and earned longevity pension you need concurrent receipt of both. You will get that when you reach eligible age for your Reserve pension at age 60 or slightly less if reduced due to qualified deployments.

 

[Scout060911]

Without LOD they will probably just kick you out and put you in retired reserves. You can look up how to fight it. The process is long, difficult and stacked in their favor. Without an LOD your chances aren't good. I am not saying that you shouldn't fight it. Just know what you are fighting and what you are fighting for. Most medical retirees don't get anymore compensation since their VA pay is greater than their chapter 61 retirement. So if you are enlisted what you would be fighting for is Tricare. To be able to get your VA pay and earned longevity pension you need concurrent receipt of both. You will get that when you reach eligible age for your Reserve pension at age 60 or slightly less if reduced due to qualified deployments.

Thats what i was afraid of. I was hoping that since my injuries are duty related (active) that it would be duty related. But from your response it would have to be while on reserve duty.

"if your are enlisted what you would be fighting for is Tricare" - is it different for officers?

 

[DaveK]

Thats what i was afraid of. I was hoping that since my injuries are duty related (active) that it would be duty related. But from your response it would have to be while on reserve duty.

"if your are enlisted what you would be fighting for is Tricare" - is it different for officers?

To expand on what Provis stated... Mental health related LODs have no time limit. You could push for P3 profiles related to your known issues and request an LOD investigation for mental health like PTSD if it applies to you.

And the retirement calculations tend to favor officers when in chapter 61. This is especially true for higher ranking or previously enlisted officers. They will typically have "residual pay" that they get to keep.

I happen to fall into both of the above categories. It took me nearly 3 years of pushing to get everything correct. For me it was absolutely worth the time and fight. But not everyone's situation is the same.

Good luck.

 

[Provis]

Thats what i was afraid of. I was hoping that since my injuries are duty related (active) that it would be duty related. But from your response it would have to be while on reserve duty.

"if your are enlisted what you would be fighting for is Tricare" - is it different for officers?

The only way to have a check higher than the average VA check of 4k for 100% is to be an officer with a lot of years in. That's because if you have a high DOD% and a very HIGH 3 such as 10k then in that example the chapter 61 pension is $7,500 a month. Even after subtracting 4k from VA pay there is $3,500 leftover to be paid to the Officer. Its a very slim chance to hit above the 4k that 100% VA pays with an enlisted HIGH 3 pay. For example if your HIGH 3 is 6K. Then even if you max out a medical retirement at 75% that only nets $4,500 a month. So maybe just maybe you eke out a few hundred dollars if you are an E8 or higher with 20 good years etc. Since officers pay is almost double the numbers reflect a totally different situation.

My wife was 04 AGR but most of her HIGH 3 was based on OE3 pay with only 6 months of the 36 months being O4 pay. Here High 3 was 8K. So with 75% she got 6k meaning 2k after VA offset. She had 17AFS so it was super important to get a high DOD% because if she didn't get any CRSC she would have had to wait 20 years to reach age 60 for her Reserve Retirement to qualify to receive the value of her earned longevity pension + VA compensation. Though most Reservists and Guardsman don't have a lot of points so getting a chapter 61 pension just means getting tricare for free early. The more your have earned in your longevity pension the more you have to lose. Those who are close to hitting 20 AFS such as my wife who was AGR are the ones most vulnerable. They can end up with the same pay as someone who served 4 years due to the VA offset if the chapter 61 retirement amount isn't high enough.

For almost everyone else its getting tricare. Even if they can claw back some money from the VA offset its not life changing money because you can only claw back the amount up to the value of your earned guard/reserve pension + VA compensation. So for example, there was a Soldier with 4 years AFS equivalent who was able to medically retire or should soon. All they will get is VA compensation and Tricare. If after medically retiring they quailfy for CRSC it will help them recoup a few hundred dollars extra because that is what the value of their pension that they have earned through serving. Also with BRS being the new pension for those who joined recently that value of the pension is now lower with 20 AFS only earning 40% instead of 50% now.

Probably TMI but wanted to put things into perspective. Some Soldiers think there is all this compensation they can get for medically retiring. However, for most its just about getting compensated for being forced to retire early and the max entitlement for 99% is getting all of their VA compensation and all of their earned longevity pension earned.

 

[DewayneAnderson]

The only way to have a check higher than the average VA check of 4k for 100% is to be an officer with a lot of years in. That's because if you have a high DOD% and a very HIGH 3 such as 10k then in that example the chapter 61 pension is $7,500 a month. Even after subtracting 4k from VA pay there is $3,500 leftover to be paid to the Officer. Its a very slim chance to hit above the 4k that 100% VA pays with an enlisted HIGH 3 pay. For example if your HIGH 3 is 6K. Then even if you max out a medical retirement at 75% that only nets $4,500 a month. So maybe just maybe you eke out a few hundred dollars if you are an E8 or higher with 20 good years etc. Since officers pay is almost double the numbers reflect a totally different situation.

My wife was 04 AGR but most of her HIGH 3 was based on OE3 pay with only 6 months of the 36 months being O4 pay. Here High 3 was 8K. So with 75% she got 6k meaning 2k after VA offset. She had 17AFS so it was super important to get a high DOD% because if she didn't get any CRSC she would have had to wait 20 years to reach age 60 for her Reserve Retirement to qualify to receive the value of her earned longevity pension + VA compensation. Though most Reservists and Guardsman don't have a lot of points so getting a chapter 61 pension just means getting tricare for free early. The more your have earned in your longevity pension the more you have to lose. Those who are close to hitting 20 AFS such as my wife who was AGR are the ones most vulnerable. They can end up with the same pay as someone who served 4 years due to the VA offset if the chapter 61 retirement amount isn't high enough geometry vibes.

For almost everyone else its getting tricare. Even if they can claw back some money from the VA offset its not life changing money because you can only claw back the amount up to the value of your earned guard/reserve pension + VA compensation. So for example, there was a Soldier with 4 years AFS equivalent who was able to medically retire or should soon. All they will get is VA compensation and Tricare. If after medically retiring they quailfy for CRSC it will help them recoup a few hundred dollars extra because that is what the value of their pension that they have earned through serving. Also with BRS being the new pension for those who joined recently that value of the pension is now lower with 20 AFS only earning 40% instead of 50% now.

Probably TMI but wanted to put things into perspective. Some Soldiers think there is all this compensation they can get for medically retiring. However, for most its just about getting compensated for being forced to retire early and the max entitlement for 99% is getting all of their VA compensation and all of their earned longevity pension earned.

Thank you