• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
The Military Guide Logo

Military Guide

The Military Guide To Financial Independence

  • Start Here!
    • About The Military Guide
    • Interviews & Podcasts
    • About the Book – The Military Guide To Financial Independence & Retirement
    • About the Book – Raising Your Money-Savvy Family
  • Military & Veterans Benefits
    • Military Pay
    • VA Disability Benefits
    • VA Loans
  • Career
    • Education
    • Entrepreneurship
    • Federal Civil Service
    • Military Career
  • Military Life
    • Military Family – Spouses & Dependents
    • Sea Stories
  • Insurance
    • Auto
    • Dental
    • SGLI & Life Insurance
    • Tricare & Health Insurance
  • Money
    • Military Discounts
    • Credit & Debt
    • Mortgage & Real Estate
    • USAA
  • Retirement
    • Blended Retirement System
    • Guard & Reserve Retirement
    • Retirement Calculators
You are here: Home / Military Retirement / Military Retirement With Reserve Enlisted And Officer Service

Military Retirement With Reserve Enlisted And Officer Service

Author: Doug Nordman Last Updated: June 12, 2019 5 Comments

Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entity. This site may be compensated through the advertiser Affiliate Program. For more information, please see our Advertising Policy.

A reader writes:

Thanks for your article, it is very informative! I enlisted in the active duty USMC in 1977, completing 3 years of honorable service in 1980. In 1985, I entered active duty USAF as an officer and served 7.5 years – again I was honorably discharged in 1992.

In 2001, I joined the USAF Reserves, again as an officer. Later I was passed over twice for promotion to O-4 and was discharged in 2006. To reach my 20 years of service I joined the Army Reserves as an E-5. I was promoted to E-6, have obtained my 20 year letter, and I am still serving as an IMA reservist in Korea.
I now have approximately 26 good years for reserve retirement, with 13 good years as an officer. I fall under the Final Pay retirement plan because I enlisted before 6 September 1980. Do I qualify to retire at my highest grade held (O-3), or do I retire as an E-6?

I have contacted the personnel people at Fort Knox in regards to my retirement grade question and I have not heard a thing. I was wondering if there is a particular section at USA Reserve Command to address my question and to get a retirement grade determination? If so, I would appreciate any contact information. Thanks.

Image of logo of Army Human Resources Command | The-Military-Guide.com
Who do we call?

The short answer is that you’re eligible to retire at an officer rank (and pension) under federal law Title 10 Section 3911. You’ve served over 10 years of commissioned service, and that requirement can be waived down to eight years through 2018.

I’ve seen one other situation where an Army enlisted member was entitled to retire at an officer rank due to previous commissioned service. The biggest problem with his retirement was that the Army’s Human Resources Command did not have an accurate record of his service.

Since you already have your Reserve retirement Notice of Eligibility (your 20-year letter), the Army is aware of at least some of your duty in other services. Your record on file with HRC also needs to document at least 10 years of commissioned service.

Next, you should review your Army Reserve record of your point count and your good years to make sure that Army Reserve HRC has all the information. It’s quite possible that they do not have any record of your 1977-80 Marine Corps service, all of your 1985-92 USAF active duty, or all of your 2001-06 USAF Reserve duty. They need to have that information in your Army Reserve personnel database in order to give you the right answers.

You appear to have at least 10 years of commissioned service, and Army Reserve HRC needs that documentation in their records as well in order for them to understand that you’re qualified to retire as an O-3.

As you’ve said, you’re also eligible for a Reserve pension under the “Final Pay” system. In order for the Defense Finance and Accounting System to correctly calculate your pension, Army Reserve HRC has to have your Marine enlistment in the personnel database.

Your Notice of Eligibility should include your point count and your good years that are reflected in the Army Reserve personnel database. If that information is not correct then your first step is getting all the data into the system and verifying the update with a new report. Ideally, your NOE will have the contact information for this project. If you’re not getting a response then it’s worth calling a department head at HRC or even the Commanding Officer’s office.

I recognize that you may not be able to access your Army Reserve personnel records online if you don’t have a Common Access Card or an account. If that’s the case then Army Reserve HRC may also be able to set you up with an account login and password.

I realize that you’re IMA, but you should also pursue these issues up your Army Reserve chain of command. If that’s the same people you’ve already tried then I’d talk to the personnel branch at your nearest Army base. If you’re still in Korea then you’d still start with your local Army personnel branch to get a good name, phone number, and e-mail address.

Once your record of service is correctly reflected in the Army Reserve database, you’re ready to submit your retirement request. That should include a printed copy of the information in the database, and ideally, the Army Reserve would approve your request as a Final Pay O-3.

Once you have an approved retirement then you’re ready to ask DFAS to confirm the start date and the point count/retirement rank of your pension.

Readers, we could use your help on who to call. Can any of you offer a point of contact at Army Reserve HRC, either with Fort Knox or elsewhere?

Related articles:
Military Retirement With Enlisted and Officer Service
Calculating a Reserve Retirement

sa-captivate-placeholder

Related posts:

Military Pension Inflation Protection - How and Inflation Indexed Pension Keeps ...
The command's farewell and saying "See you later" to everyone else
No More Military Retirement or Tricare Prime?!?
Military Blended Retirement System Spreadsheet

Filed Under: Guard & Reserve Retirement, Military Retirement

About Doug Nordman

WHAT I DO: I help you reach financial independence. For free.

I retired in 2002 after 20 years in the Navy's submarine force. I wrote "The Military Guide to Financial Independence and Retirement" to share the stories of over 50 other financially independent servicemembers, veterans, and families. All of my writing revenue is donated to military-friendly charities.

Reader Interactions

Comments

  1. Roger Dale Burch Jr says

    February 20, 2018 at 10:04 AM

    If you were discharged for medical reasons after 20 years but unable to get the required time as a commissioned officer will they still put you back to your enlisted rank for retirement purposes?
    I had 21 good years. I was an 02E for aproximately 5 years only. Prior to that I was an E-% in The Army Guard.
    I was retired for medical reasons but not medically retired.

    Reply
    • Doug Nordman says

      February 22, 2018 at 10:45 AM

      Roger, I’m not able to answer that question.

      If you’re forced into retirement by a medical or physical evaluation board then the military is preventing you from willingly achieving the 10 years of commissioned service, and ideally that would enable you to request a waiver on the length of commissioned service. However I’m not sure whether “retired for medical reasons” means you were given a disability retirement. A regular retirement would be under Section 3911 of Title 10 of federal law:
      https://www.law.cornell.edu/uscode/text/10/3911

      But a disability retirement uses a different calculation that does not depend on your length of commissioned service.
      https://militarypay.defense.gov/Pay/Retirement/Disability.aspx
      https://www.law.cornell.edu/uscode/text/10/1214a
      https://www.law.cornell.edu/uscode/text/10/1204
      https://www.law.cornell.edu/uscode/text/10/1401
      https://www.law.cornell.edu/uscode/text/10/1407

      I recommend you post more details about the nature of your retirement at the PEBForum.com. It was founded by a JAG who understands all of the legal aspects of the process, and the members probably include veterans who’ve seen your situation before. In addition to that you may need to review your service record with a local JAG (on a military base) or lawyer who can advise you on how the retirement was determined.

      Reply
  2. Dave McDonald says

    April 9, 2015 at 8:13 AM

    I can also send a DFAS AUDIT REQUEST FORM to you if you would like.

    Reply
    • Doug Nordman says

      April 10, 2015 at 2:23 PM

      First, Dave, congratulations! I’m glad the Army finally got your retirement right.

      Second, I hope none of the readers ever need the form, but I’d appreciate a copy to keep on file in case someone sees this post. Thanks!

      Reply
  3. Dave McDonald says

    April 9, 2015 at 8:04 AM

    Doug,

    I REALLY JUST GOT THIS RIGHT WITH HRC THIS MONTH. DFAS cut the check for all of my back pay and it deposited in my account 07APR15. It took me from 20APR11 until now for the ARMY to get it correct.
    I retired 01MAR12 and the last 38 months of retirement have been spent getting what I earned. DO NOT GET A LAWYER, That was a 2700 dollar mistake on my part. Don’t WASTE YOUR TIME ON THE POLITICIANS, or SERVICE ORGANIZATIONS that say they will help. Don’t Call DFAS UNTIL THE BRANCH, ie HRC, gets it right. I hope that I blazed the trail and those who come behind will have an easier path to retirement. You will meet alot of resistance at the unit level, RSO, level, and much ping-ponging between offices at HRC. Tell them to read the Title 10 USC sections 3911 and 3926.The following people at HRC helped me resolve this but I had to direct them every step. You should have an easier time since my retirement should still be fresh in their minds.
    Mr. Jim Edinger at HRC IG (502) 613-4288, or
    Mr. Scott Gavre, Officer Retirements, Active Duty, or
    Ms. Swanson, HRC, Reserve Retirements Officer, 502-613-8414

    V/r,

    Dave

    Reply

Comment? Question? What's on your mind? Cancel reply

Primary Sidebar

About The Site

We're military veterans, not financial advisors. We're sharing what we've learned and paying it forward – but you have to make your own decisions.

What worked for us will probably work for you, but unfortunately we can’t guarantee it. Let us know if something’s not working for you, and we’ll try to figure out a better way... Continue Reading...

Contact Us | Privacy Policy

The Military Guide

Site Topics by Category

Recent Posts

  • Reader story: “How I Bumbled Into Financial Independence” (part 2)
  • Reader story: “How I Bumbled Into Financial Independence”
  • 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables
  • Financial Caregiving: Are You Ready?
  • 2020 Veterans Day Free Meals & Discounts

Footer

Important Links

  • About The Site
  • About the Book
  • Interviews & Book Reviews
  • Contact me
  • Advertise With Us
  • How We Make Money
  • FTC Mandatory Disclosures
  • Privacy Policy
  • Archives

About The Military Guide

We’re military veterans, not financial advisors. We’re trying to share what we’ve learned and to pay it forward – but you have to make your own decisions.

What worked for us will probably work for you, but unfortunately, we can’t guarantee it. Let us know if something’s not working for you, and we’ll try to figure out a better way… Continue Reading…

Buy the Book!

the-military-guide-financial-independence-early-retirement

Copyright © 2021 The Military Guide. All rights reserved.
Disclaimer: This is a privately owned website and is not affiliated with the U.S. government, Department of Defense, Department of Veterans Affairs, or any other government agency. The content on this website is for informational and entertainment purposes only and should not be considered professional financial advice.