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Aug 06

Career Information TeamPre-Separation Guide

Atlantic Fleet Career Information TeamNaval Station Norfolk

513 Park CresentBldg SP-12

Norfolk, VA 23511-4014

NAVY RESERVESTAY STRONG

****IMPORTANT - PLEASE READ ****

Upon completion of this brief, you will receive a page 13(NAVPERS 1070/613) to document your attendance. PerOPNAVINST 1900.1 series, your separating PSD or personneloffice will require you to provide them with the original page13 in order to complete your separation processing. YourCommand Career Counselor is also required to have a copy ofyour page 13 to keep on file for 2 years.

It is YOUR responsibility to:

1. Take the original page 13 to your PSD/personnel office.

2. Give a copy to your Command Career Counselor

3. Make copies for yourself!

TABLE OF CONTENTS

POINTS OF CONTACT 1

PRE SEPARATION CHECKLIST 2-4

ELIGIBILITY CHART 5-7

IMPORTANT FORMS AND DOCUMENTS 8 -18

BENEFITS CHART BASED ON TYPE OF DISCHARGE 19-20

DISCHARGE REVIEW BOARD AND CORRECTING MILITARY RECORDS 20-21

RE-CODES, LEAVE POLICIES 22-23

SERVICE RECORD PAGES/CD SERVICE RECORD 24-25

SELECTIVE SERVICE REGISTRATION 26

MILITARY OBLIGATION/UNIFORMS/UNEMPLOYMENT COMPENSATI 0N 27-28

CONTINUED HEALTH CARE PROGRAM/ HOUSEHOLD GOODS 28-29

SEPARATION/TRAVEL PAY ENTITLEMENTS/ SGLI 29

VETERANS BENEFITS/BENEFITS TABLE 30-34

FLEET AND FAMILY SUPPORT CENTERS 35-37

OTHER AGENCIES AND ADDITIONAL ORGANIZATIONS AND VETERAN ORGANIZATIONS ------ 38- 41

NAVY RESERVE PROGRAMS (IRR, SELRES, FTS, CANREC) 42-49

RETIREMENT/FLEET RESERVE INFORMATION 50

RETIRED/RETAINER PAY/SURVIVOR BENEFIT PLAN 51-57

SOCIAL SECURITY BENEFITS 58

RETIRED ACTIVITIES OFFICES 59

ARMED FORCES RETIREMENT HOME 60

NOTES PAGES 61-62

To obtain the most current information on the rights and benefits you have earned by virtue of your military service,OPNAVINST 1900.1D requires all officer and enlisted personnel to attend a formal CAREER INFORMATION TEAM(CARIT) Pre Separation Brief 120 days prior to separation date or for deploying units, 90 days prior to deployment.

Information on briefing schedules and answers to specific questions may be obtained from the following CARIT locations:

LANTFLT Career Information TeamNaval Station Norfolk513 Park Cresent Bldg SP-12Norfolk, VA 23511-4091 Commercial:(757)444-3994/2582DSN: 564-3994/2582Toll-free: 1-800-336-8673

ATLANTIC FLEET CAREERINFORMATION TEAMCOUNSELORS

COMMERCIAL #/(DSN #)

NORFOLK HEADQUARTERS757-444-3994 / (564-3994)

NAB LITTLE CREEK, VA757-462-3269/ (253-3269)

NS NORFOLK, VA (Bldg U93)757-444-2811/ (564-2811)

NAS OCEANA, VA757-433-3606/ (433-3606)

NS MAYPORT, FL904-242-2662 DSN:

GULFPORT, MS228-871-2449

PSD WASHINGTON, DC410-562-1576

ANNAPOLIS MD410-293-2606/281

NAVSUBASE GROTON, CT860-694-4780/ (694-4780)

NSA NAPLES, ITALY011-39-081-568-5237 (314-626-5237

PACFLT Career Information TeamCOMNAVAIRFOR (Code N01RC) P.O. Box 357051San Diego, CA 92135 7051Commercial: (619) 545 2728/767-7224DSN: 735-2728/577-7224Toll free: 1-800-732 2015

PACIFIC FLEET CAREERINFORMATION TEAMCOUNSELORS

COMMERCIAL #/(DSN #)

HEADQUARTERS OPS619-545-2728/(735-2728)

SAN DIEGO COUNSELORS619-545-2835/ (735-2835)

YOKOSUKA JAPANDSN: 315-243-6454

PORT HUENEME, CA805-989-8858/ (551-8858)

NAS LEMOORE, CA559-998-4329/ (949-4329)

NAVSUBASE BANGOR, WA360-396-7007/ (744-7007)

NAVSTA PEARL HARBOR, HI808-473-5281/1924 (NONE)

NAS WHIDBEY ISLAND, WA360-257-4026/ (820-4026)

NAVSTA EVERETT , WA 425-304-3127/ (727-3127)

NAS JRB FT. WORTH, TX817-782-5536/ (739-5536)

POINTS OF CONTACT

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180 DAYS PRIOR TO SEPARATION:

___1. Mandatory per OPNAVINST 1900.2A: make an appointment with your command career counselor for your separation interview 180 days prior to your separation or separation leave date, in order to complete DD Form 2648 (Individual Transition Plan).

___2. Per OPNAVINST 1900 series all Officer and Enlisted personnel are required to attend the mandatory Career Information Team (CARIT) pre-separation brief 120 days prior to separating or retiring for a complete review of all rights, benefits and services available to veterans.

a. Obtain a TAP quota via your command career counselor or Fleet and Family Support Center (FFSC). DOD Directive1332.35 states that personnel may attend TAP up to 90 days after their separations/retirement date.

___3. Officer resignations only: request to receive reserve commission via resignation letter (USN) per MILPERSMAN 1920-190.

___4. Medical procedures prior to separation, transfer to the Fleet Reserve and Retirement. Reference: BUMEDNOTE 6230 and NAVMED P-117.

a. If a member has had a separation physical performed within past 5 years that meet the requirements of NAVMEDP-117, CH 15 than a SF 600 will be completed unless otherwise required by the physician.

b. All members being retired or transferred to the Fleet Reserve must complete a physical exam within 6 months ofscheduled retirement or transfer to Fleet Reserve date per MILPERSMAN 1830-030.

___5. Contact the Disabled American Veterans (DAV), American Veterans (AMVETS), Veterans Of Foreign Wars (VFW), or state veterans administration to review your medical record and evaluate it for possible disabilities incurred during service.

___6. If you plan on attending college in a state in which you are not a resident, contact the college to verify residency requirements. You may want to complete a change of state residency (DD Form 2058) with your personnel office to start fulfilling residency requirements prior to leaving active duty.

PRE-SEPARATION CHECKLIST

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90-120 DAYS PRIOR TO SEPARATION:

___1. Complete an audit of your service record to ensure accuracy and completeness per MILPERSMAN 1070-100 (enlisted) or NAVADMIN 229/00 (officer). Make a copy of all important pages (ie: FITREPS/Evals and Awards).

___2. Verify your SMART (Sailor/Marine American Council on Education Registry Transcript). Go to the Navy College web site https://smart.cnet.navy.mil to view/print your unofficial copy or request an official copy. E-mail [email protected]. Phone: 1-877-253-7122 (option #1)

___3. Visit https://www.dmdc.osd.mil/vmet to view and print your DD Form 2586 (VMET - verification of military experience and training).

___4. Verify eligibility for veterans education benefits (GI Bill, MGIB, VEAP) with the Veterans Administration by calling 1-800- 827-1000 or visit their website at www.gibill.va.gov. Also, verify eligibilty for and make your decision about contributing.

___5. Contact the state veterans affairs office in the state you are planning to reside in to verify any additional benefits you may be entitled to. Visit their website at www.nasdva.com.


___1. Determine your Thrift Savings Plan (TSP) options by visiting http://tsp.gov.

___2. Retirees/fleet reserve - complete survivor benefit plan (SBP) election on DD Form 2656. Must be completed and reach DFAS no later than 45 days prior to retirement date.

___3. Contact your personal property office to schedule movement of your household goods. Visit https://www.smartwebmove.navsup.navy.mil to schedule online.

___4. Visit www.dodtransportal.org for transition and job information.

___5. Contact your local Navy Reserve representative to see what programs , benefits and/or bonuses may be available to you by joining the Navy Reserve. Visit www.navyreserve.com for contact information.


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___1. Start separation procedures no later than 60 days prior to detachment date with PSD or your personnel office.

___2. Make copies of medical/dental records for yourself and all family members. You will need to make an additional copy for the VA if you are applying for disability.

___3. Start "comparing" medical and life insurance policies. a. www.life-line.org will educate you on different types of insurance available. b. www.quotesmith.com compares quotes from over 1,500 insurance companies.

___4. Separatees: obtain a copy of your latest Navy enlisted examination profile sheet.

___5. If you are planning to attend school while on separation leave, complete VA Form 22-1990 (Application for Education Benefits). You may download the form from https://www.vba.va.gov.

___6. Obtain a copy of your electronic training jacket at https://wwwa.nko.navy.mil .

PRIOR TO SEPARATION:

___1. Obtain 3 blank travel vouchers (DD Form 1351-2) from your PSD or personnel office. Travel voucher(s) must be completed after travel and mailed to separating activity for liquidation.

___2. Obtain names and phone numbers of those involved in your separation process (i.e. personnel, disbursing, medical and personal property). Retain with other important separation paperwork for future reference or follow up.

___3. If eligible, find out the procedures for obtaining appropriate ID cards for yourself and your family members.

___4. Make sure your certificate of release or discharge from active duty (DD Form 214) is complete and accurate before you sign the final version!

___5. Contact your local VA hospital to register with their Gulf War/Iraqi Freedom/Agent Orange coordinator or call 1-800-749-8387.


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ELIGIBILITY CHART

5

Household Goods Storage

180 days Extension in MilitaryFamily Housing

Home of Selection Move

Home of Record Move

Commissary and ExchangePrivileges for self and family

IF YOU ARE...

VoluntarilySeparating 0-19 yrs

Accepting VSIor SSB

>6-19 yrs

Invol-Sep underother than Adverse

Condition <6 yrs

Invol-Sep underother than AdverseCondition >6-19 yrs

Retiring>15 yrs

Med-Sep <30%

0-19 yrs

Retired due toMedical Condition

6 Mos 1 yr 1 yr 1 yr 1 yr 1 yr 1 yr

No Yes Yes Yes Yes Yes Yes

Yes Yes Yes Yes Yes Yes Yes

No Note #2 Note #2 Note #2 No Note #2 No

No 2 yrs 2 yrs 2 yrs Yes 2 yrs Note #10

Yes Note #3 Note #3 Note #3 Yes Note #3 Yes

Yes Yes No Yes Yes Yes Yes

No 120 days 60 days 120 days Yes Note #5 Yes

No Yes No Note #6 No No No

YesRetired Pay No No No No Yes No

NoGuard and Reserve

Opportunities Counseling andPriority Placement

Yes Yes Yes Yes No No

NoContinued Health Insurance,incl. Pre-existing conditions

coverage for self & family18 mos 18 mos 18 mos 18 mos Note #7 18 mos

NoDisability Separation Pay No No No No No Yes

NoExcess Leave (Note #8) No 30 days 30 days 30 days No 30 days

Up to 30 daysPermissive TDY

Overseas (Note #8)N/A Up to 30 days Up to 30 days Up to 30 days

Up to 30days

Up to 30 days

Up to 20 daysPermissive TDY

CONUS (Note #8 and 9)N/A Up to 20 days Up to 20 days Up to 20 days

Up to 20days

Up to 20 days

YesPre-separation Counseling Yes Yes Yes Yes Yes Yes

YesIndividual Transition Plan

(Note #11)Yes Yes Yes Yes Yes Yes

MGIB enrollment orVEAP Conversion

Separation Pay

Teacher and TeacherAide Certification

Medical and Dental Carefor Self and Family

ELIGIBILITY CHART (continued)

Career Change Counseling(Note #11)

Family Housing

SMART Transcript

DOD Job Search(Note #11)

IF YOU ARE...

VoluntarilySeparating 0-19 yrs

Accepting VSIor SSB

>6-19 yrs

Invol-Sep underother than Adverse

Condition <6 yrs

Invol-Sep underother than AdverseCondition >6-19 yrs

Retiring>15 yrs

Med-Sep <30%

0-19 yrs

Retired due toMedical Condition





YesNo Yes Yes Yes Yes Yes Yes

Yes Yes Yes Yes Note #12 Yes Yes


No Yes Yes Yes No No No


YesFinancial Planning

Assistance (Note #11)Yes Yes Yes Yes Yes Yes

NoExtension in DoDDS

(Note #13)No Note #13 Note #13 Note #13 No Note #13

YesMWR Priviledges

(Note #11)Note #14 Note #14 Note #14 Note #14 Yes Yes

Note #15Unemployment

Compensation (Note #11)Note #15 Note #15 Note #15 Note #15 Note #15 Note #15

YesAmericas Job Bank

(Note #11)Yes Yes Yes Yes Yes Yes

YesVeterans' Benefits Yes Yes Yes Yes Yes Yes

Note #15JTPA Programs Note #15 Note #15 Note #15 Note #15 Note #15 Note #15

Note #15Station of ResidenceVeterans' Programs

Note #15 Note #15 Note #15 Note #15 Note #15 Noe #15

PACS Registry(Note #11)

Relocation Assistance(Note #11)

Other EmploymentAssistance (Note #11)

One-time NAF HiringPreference (Note #11)

VMET / DD Form 2586(Note #16)

TAP / DTAP Worksop(Note #11)

Yes

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1. Participation in the TRICARE Family Member Dental terminates the last day of the month of active service. It is not a transition benefit. Extended dental care is on a space-available basis at a military treatment facility. Note that, for dental care, the 60 or 120 days listed in this column only refers to the card at the base dental clinics. Enrollment in the Family Member Dental Plan ceases on the separation, provided dental premiums are deducted for that month's coverage.

2. Space available. Rent is charged based on BAQ/VHA/OHA rate. Entitlement is subject to Status of Forces Agreement restrictions overseas. Retiring service members under the action of a Selective Early Retirement Board (SERB) are also eligible if they meet this criteria.

3. Service member must pay $1,200 and have been honorable discharged.

4. Service member must have completed a bachelor's degree to be eligible for teacher certification. Service member must have completed an associate's degree to be eligible for teacher aide certification.

5. Sixty days care for service member and family who served fewer than 6 years of service: 120 days for service member and family who served 6 - 19 years of service.

6. Service member must have been involuntary discharged under other than adverse conditions.

7. Certain dependents of retired service members may be eligible. See the installation Health Benefits Advisor for details.

8. Service members are authorized to request excess leave or permissive TDY/TAD, but not both.

9. Up to 30 days for those members who are domiciliaries before entering active duty and continue to be domiciliaries of states, possessions, or territories of the United States located outside the CONUS, including domiciliaries of foreign countries, and are stationed at a location other than the state, possession territory, or country of their domicile, contingent upon commander's approval and mission requirements.

10. The commissary and exchange regulations extend unlimited privileges to a member entitled to retired pay. The same regulations offer unlimited privileges to an honorable discharged veteran with a 100% service-connected disability. Members entitled to retired pay who are also rated by the VA as 100% disabled, remain eligible for the blue ID card even if they waive retired pay to receive VA compensation.

11. Applies to service member's spouse, as appropriate.

12. Registration for public and community service is mandated by Section 4403 of Public Law 102-484, "The National Defense Authorization Act for Fiscal Year 1993," for service members retiring with more than 15 years but fewer than 20 years of service.

13. Continued Enrollment in a DoDDS overseas school shall be on a space-available basis providing the student completed the 11th grade prior to the service member's separation and subject to the Status of Forces Agreement with the host country. Retiring service members under the action of a Selective Early Retirement Board are also eligible if they meet these criteria.

14. Service members, who upon separation, will be entitled to an Armed Forces of the United States Geneva Convention Identification Card (Reserve), DD Form 2, and/or a Department of Defense Guard and Reserve Family Member Identification Care, DD Form 1173, shall be permitted to use revenue-generating (for example, clubs, bowling centers, gold courses) morale, welfare and recreation facilities.

15. Eligibility requirements vary. Contact your state or local employment or veteran's office for details.

16. Service members must complete a minimum of 180 consecutive days of active duty immediately prior to separation.

17. Navy College Office and Sailor/Marine Corps ACE Registry Transcript: Where Sailors and Marines can request personal copies of college transcripts.

ELIGIBILITY NOTES

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IMPORTANT FORMS AND DOCUMENTS

"CERTIFICATE OF RELEASE OR DISCHARGE FROM ACTIVE DUTY"

Reference: Navy/Marine - BUPERSINST 1900.8B, Army - Army Regulation 635-5, Coast Guard Commandant Inst M1900.4D,Air Force - AFI 36-3202

1. The DD Form 214 is the KEY DOCUMENT TO RECEIVING ALL VETERAN BENEFITS and is prepared whenever you serve anactive duty period of 90 days or longer.

2. Your DD Form 214 must completed and signed prior to commencing leave. The original (copy 1) and member's copy(copy 4) will be given to you or mailed on your separation/discharge date.

3. DD Form 214 block information: Most blocks on this form are self explanatory. The following blocks are highlighted foryour information. *** IMPORTANT NOTE *** ALL SHADED AREAS MUST BE ACCURATE WITH NO ERASURES, STRIKEOVERS,WHITEOUTS OR CORRECTIONS OF ANY KIND. ANY ALTERATIONS MADE TO THE SHADED AREAS OF THIS DOCUMENT WILLCAUSE THE FORM TO BE NULL AND VOID.

Blocks 1-5 are self-explanatory.

Block 6: Reserve Obligation Termination Date If you have not completed your Military Service Obligation (MSO)(initial 8 year contract) this block will have the date your MSO ends. If you have completed your MSO, this block willhave "N/A."

Block 7a & b: Place of entry and Home of Record information will be obtained from your enlistment contract.

Block 9: Corresponds with block 6. Personnel being released, who have not completed their MSO, will have "NavyReserve Personnel Center, New Orleans, LA 70149" in this block. This block will read "NA" for those being discharged.

Block 10: Amount of your SGLI coverage, or "NONE."

Block 11: All Navy Enlisted Classification (NEC), or Navy Officer Billet Codes (NOBC) held for one year or more will belisted by title(s) and length of time.

Blocks 12 d & e: Total prior active and inactive service. Any active or inactive/drilling reserve period (in any branchof service) which counts towards pay.

Block 14: This block will provide all formal in-service schools/training courses successfully completed during thisperiod of service.

Block 15a: For those who contributed to the Veterans Educational Assistance Program (VEAP).

Block 15b: Must be marked "YES" in order to receive GI Bill benefits. If you do not have at least a GED or 12semester hours of college credit, take the test and receive GED credentials prior to separating.

Block 16: Days Accrued Leave Paid: Payment, for unused accrued leave at the time of separation, is limited topayment for a maximum of 60 days per career after 9 February 1976, and will be included in the members finalcheck. See page 15 for more information.

Block 17: If dental is unable to complete ALL of your required dental work prior to separation, this block must bemarked "NO". This allows you to apply for dental treatment through the VA within 90 days of separation.

Block 18: Remarks block. Have all the entries in this block explained to you by your separation clerk.

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(CONTINUED)

Block 19a: Provide an accurate permanent mailing address. Your W 2 Form, VA Benefits Package, Service Record,and other important documents will be mailed to this address.

Block 20: Marking "YES" enables the Director of Veterans Affairs in your state to receive copy 6 of your DD 214. Yourstate may offer additional benefits (i.e.: tuition free schools, one time cash bonus for Persian Gulf War participation,etc.). Check with your State Director of Veterans Affairs.

Block 23: The type of separation you receive appears in this block. (Discharged, Released From Active Duty, Retired).

Block 24: The character of service appears in this block. This block identifies your discharge/release as Honorable,General (Under Honorable Conditions), Other Than Honorable, etc. For benefits based on the character of service seepage 12-13.

Block 26: Your three character separation code will appear in this block. This code identifies why you are separating.Ensure that you understand what this block means. Ask to see BUPERSINST 1900.8B if you don't understand your code.

Block 27: This block is for enlisted personnel and identifies your Reenlistment/Reentry (RE) code. This code indicatesyour eligibility to reenlist or to affiliate with the Guard or Reserve. Ensure that you understand what this code means.Officer personnel have "N/A" in this block. (See page 15 for more information.)

Block 30: Initial this block to receive copy 4 of your DD 214.

4. Distribution of the DD 214:

Copy 1: (The original) Given to you or mailed on your date of separation.

Copy 2: Forwarded to BUPERS (PERS 313C1) if you are released from active duty and affiliated with the SelectedReserve. For all other categories, this copy is placed in the service record and forwarded to the Navy ReservePersonnel Center, New Orleans, LA.

Copy 3: Sent to the Department of Veterans Administration Data Processing Center.

Copy 4: Given or mailed to you with the original. This copy is important for verification of entitlement ofunemployment compensation and other VA benefits.

Copy 5: Sent to the U. S. Department of Labor .

Copy 6: Sent to the State Director of Veterans Affairs if a state is listed in Block 20 and "YES" is checked.

Copy 7: Retained in the service record and mailed to Navy Reserve Personnel Center with the records.(Officer's copy 7 will be destroyed.)

Copy 8: Retained by the separation activity for 2 years from date of separation. (Copies may be requested fromseparating agency for 2 years from date of separation).

5. Request for Correction. A correction request must contain your full name, rank/rate, social security number,periods of service, and current mailing address. The correction requested must also be identified. If a copy of the DD214 for which the request is being made is available, it should be forwarded with the request to one of the followinglocations:

a. Members on Active Duty or within 6 months after discharge from Active Duty, retired, or transferred tothe Fleet Reserve: Navy Personnel Command (Pers 312), 5720 Integrity Drive, Millington, TN 38055-3120.http://www.npc.navy.mil/careerinfo/recordsmanagement/corrections/BCNR.htm

9


(CONTINUED)

b. Members released to the Navy Reserve to complete their reserve obligation: Commanding Officer, NavyReserve Personnel Center (N33), New Orleans, LA 70149 7800. http://www.nrpcweb.nola.navy.mil

c. More than 6 months after discharge, retirement, or transfer to Fleet Reserve: National Personnel RecordsCenter, (Military Personnel Records), Navy Reference Branch, 9700 Page Avenue, St. Louis, MO 63132.http://www.archives.gov.

6. DD-214 Security: Filing a DD-214 with your local government is an option available to veterans. One advantage tofiling a DD-214 with your local courthouse is that you can easily obtain copies if you ever lose the original. The disadvantageis that the form, (with your Social Security number on it), becomes a matter of public record.Unfortunately, identity thieves are aware of this and could take advantage of it. To file or not file a DD-214 with yourlocal courthouse should be a very deliberate decision. Ask yourself if it would be better for you to obtain extra certifiedcopies of your DD-214 and store them in a safe area. Ensure your family members or beneficiaries know theexact location of the document and how to gain access (combination, key, family attorney, etc). Once a document becomespart of a public record, most local and state laws forbid it's removal. You may be wise to file a copy of yourDD-214 with a Veterans' Service Organization. After all, Veteran Service Organizations are the largest single assistanceprovider to family members in obtaining benefits in the event of death.

7. VA requirements: If you plan on applying for ANY VA benefit, you will have to provide a certified copy of your DD-214.

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19

13

DD BCD BCD OTH GEN HON

GCM SPCM

VA Benefits

Wartime disability compensation NE NE A A E EWartime death compensation NE NE A A E EPeacetime disability compensation NE NE A A E EPeacetime death compensation

NE NE A A E EDependency and indemnity compensation to survivors NE NE A A E EEducation assistance NE NE NE NE NE EPensions to widows and children NE NE A A E EHospital and domiciliary care NE NE A A E EMedical and dental care NE NE A A E EProsthetic appliances NE NE A A E ESeeing-eye dogs, mechanical and electronic aids NE NE A A E EBurial benefits (flag, national cemeteries, expenses) NE NE A A E ESpecial housing NE NE A A E EVocational rehabilitation NE NE A A E ESurvivor's educational assistance NE NE A A E EAutos for disabled veterans NE NE A A E EInductees reenlistment rights NE NE A A E E

Military Benefits

Mileage NE NE NE NE E EPayment for accrued leave NE NE NE NE E ETransportation for dependents & household goods NE NE NE NE E ERetain and wear uniform home NE NE NE NE E ENotice to employer of discharge NE NE NE NE E EAward of medals, crosses, and bars NE NE NE NE E EAdmission to Naval Home NE NE NE NE E EBoard for Correction of Naval Records E E E E E EDeath gratuity NE NE A A E EUse of wartime title and wearing of uniform NE NE NE NE E ENaval Discharge Review Board NE NE E E E E

BENEFITS BASED ON THE TYPE OF DISCHARGE

1. This chart shows the eligibility for benefits based on the type of discharge a member is awarded. It does not indicateany other criteria that may also be required for an individual to be eligible for benefits indicated. Guidance on types ofdischarge and characterization of service is listed in MILPERSMAN 1910-302.

Legend:

DD Dishonorable DischargeBCD GCM Bad-Conduct Discharge awarded at a General Court-MartialBCD SPCM Bad-Conduct Discharge awarded at a Special Court-MartialOTH Other than HonorableGEN General (under honorable conditions)HON Honorable DischargeE EligibleNE Not EligibleA Eligible only if the administering agency determines that, for its purposes, the discharge was not under

dishonorable conditions.

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BENEFITS BASED ON THE TYPE OF DISCHARGE

DD BCD BCD OTH GEN HONGCM SPCM

Other Benefits

Homestead preference NE NE NE NE E ECivil Service employment preference NE NE NE NE E ECredit for retirement benefits NE NE NE NE E ENaturalization benefits NE NE NE NE E EEmployment as District Court bailiffs NE NE NE NE E ED.C. police, fireman, & teacher retirement credit NE NE NE NE E EHousing for distressed families of veterans NE NE A A E EFarm loans and farm housing loans NE NE A A E EJobs counseling, training, placement NE NE A A E ESocial Security wage credits for WW-II service NE NE A A E EPreference in purchasing defense housing NE NE A A E E

DISCHARGE REVIEW BOARDS

References:DOD Directive 1332.28

Title 10, United States Code, Section 1553www.hq.navy.mil/ncpb and MILPERSMAN 1000-160

Each of the military services maintains a discharge review board with authority to change, correct, or modify discharges ordismissals that are not issued by a sentence of a general court martial. The board has no authority to address medicaldischarges. The veteran or - if deceased or incompetent - the surviving spouse, next of kin or legal representative may applyfor a review of discharge by writing to the military department concerned, using Department of Defense Form 293 (DD-293).This form may be obtained at any VA office. If more than 15 years have passed since discharge, DD Form 149 should be usedfor applications to the Board for the Correction of Military Records.

Service discharge review boards conduct hearings in Washington, D.C. Traveling review boards also visit selected cities to hearcases. In addition, the Army sends teams to locations to videotape the testimony of applicants for later review by a board inWashington, D.C.

Discharges awarded as a result of unauthorized absence in excess of 180 days make persons ineligible for VA benefitsregardless of action taken by discharge review boards, unless VA determines there were compelling circumstances for theabsences. In addition, boards for the correction of military records may consider such cases. Applications to these boards aremade with DD Form 149.

Veterans with disabilities incurred or aggravated during active military service may qualify for medical or related benefitsregardless of separation and characterization of service. Veterans separated administratively under other than honorableconditions may require that their discharge be reviewed for possible re-characterization, provided they file their appeal within15 years of the date of separation.

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DISCHARGE REVIEW BOARDS

ARMYArmy Discharge Review BoardAttention: SFMR-RBB Room 200A 1941Jefferson Davis HighwayArlington, VA 22202-4504

NAVY and USMCNaval Discharge Review Board720 Kennon ST SE RM 309Washington Navy Yard DC 20374-5023

AIR FORCEAir Force Military Personnel CenterAttention: DPMDOA1Randolph AFB, TX 78150-6001

COAST GUARDCoast Guard Attention: GPE1Washington, DC 20593

Questions regarding the review of a discharge may be addressed to the appropriate discharge review board at the followingaddresses:

CORRECTING MILITARY RECORDS

References:Title 10, United States Code, Section 1552

http://www.hq.navy.mil/bcnr/bcnr.htmMILPERSMAN 1000-150

Whether you are active duty, separated, or retired, you can apply to your service's Board for the Correction of Military Recordsif you feel there is an error or an injustice in your military personnel records.

The secretary of a military department, acting through a board for correction of military records, has authority to change anymilitary record when necessary to correct an error or remove an injustice. A correction board may consider applications forcorrection of a military record, including a review of a discharge issued by courts martial.

The veteran, survivor or legal representative generally must file a request for correction within three years after discovery ofan alleged error or injustice. The board may excuse failure to file within the prescribed time, however, if it finds it would be inthe interest of justice to do so. It is an applicant's responsibility to show why the filing of the application was delayed and whyit would be in the interest of justice for the board to consider it despite the delay.

To justify any correction, it is necessary to show to the satisfaction of the board that the alleged entry or omission in therecords was in error or unjust. Applications should include all available evidence, such as signed statements of witnesses or abrief of arguments supporting the requested correction. Application is made with DD Form 149.

How to apply: You should use a DD Form 149, Application for Correction of Military Record. Section 1552. You shouldcomplete the form very carefully by typing or printing the requested information. Attach copies of statements or records thatare relevant to your case. Make sure you sign item 16 of the form. Mail the completed form to the appropriate address on theback side of the form.

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REENLISTMENT CODES

TAKING OR SELLING BACK YOUR LEAVE

Reference: MILPERSMAN 1050-120MILPERSMAN 1050-400

Separation Leave Policy

Separation leave is granted by the member's commanding officer according to the command's leave program.

Separation leave is ordinary leave and shall consist of accrued and advance leave, not to exceed the amount of leave to beearned by actual day of separation.

The commanding officer granting separation leave has the authority to authorize the amount of leave the member will accrueto the date of separation, including an amount exceeding 60 days.

A member may be granted all or a portion of accrued and advance leave as separation leave, dependent upon militaryrequirements and the desires of the member.

Payment, for unused accrued leave at the time of separation, is limited to payment for a maximum of 60 days per career after9 February 1976, and will be included in the member's final check.. Payment for accrued leave on or after 1 September 1976will include base pay only.Since a member is not required to report to a naval activity for final processing at the expiration of leave, it is imperative thatthe separating activity accomplish all pre-separation counseling and administrative processing prior to the member'sdeparture for leave.

References: BUPERSINST 1900.8B

The primary factor on whether or not one can reenlist lies with the RE Code, the services also use the Separation Codes todetermine whether or not one is eligible. An individual's Separation Code and RE Code can be found on the DD Form 214,Record of Discharge.

They determine whether or not one may reenlist or enlist in a military service at a later time. In general, those who receive aNavy/Marine/Coast Guard RE Code of "1" may reenlist in their previous service or another service with no problem.Individuals with a Navy/Marine/Coast Guard RE Code of "2" may usually reenlist in their service or another service withvarious restrictions, or if the circumstances which resulted in the code no longer apply. Individuals with a Navy/Marine/CoastGuard RE Code of "3" can normally reenlist in their service or another Service, but will probably require a waiver to beprocessed. Individuals with a Navy/Marine/Coast Guard RE Code of "4" are normally (but not in all cases) not eligible toreenlist in their service, nor join another service.

Codes for Navy, Marines and Coast Guard:RE-1 / RE-R1 - Eligible for reenlistment / Eligible for preferred reenlistment.

RE-1E - Eligible for reenlistment, but not reenlisted due to Perform-To-Serve (PTS) requirements.

RE-2 - Ineligible for reenlistment. Recommended for reenlistment but ineligible because of status: Fleet Reservist Retired(except for transfer to TDRL), Commissioned Officer. Warrant 0fficer, Midshipman, Cadet.

RE-3(_) RE-3 - Codes have a letter code that specifies the reason for being separated or discharged. Personnel may be eligiblefor reenlistment if they can show they've resolved whatever caused their separation.RE-4 - Not recommended for reenlistment.

RE-6 - Ineligible or denied reenlistment due to High Year Tenure (HYT).

22

TAKING OR SELLING BACK YOUR LEAVE

(CONTINUED)

When separation processing has been completed and the member has departed on leave, such leave may be voluntarily ter-minated only if the member returns to the command or the separation activity maintaining the member's records.

Travel to the member's command or the separation activity will be at the member's own expense.Separation leave of active duty members shall not delay separation. At the expiration of the leave period the member will beconsidered separated.

a. Excess leave shall not be granted as part of separation leave.

Retirement leave policy

Accrued leave, creditable at the time of retirement, is paid in a lump-sum payment not to exceed 60 days of basicpay. MILPERSMAN 7220-340 states that no member can sell back more than 60 days during a military career.

Payment for leave accrued prior to 1 September 1976, which is referred to as saved leave, will include basic pay,basic allowance for quarters, and basic allowance for subsistence. Payment for leave accrued on or after 1 September 1976will include basic pay only.

If leave without return to the separation site is desired, the member must actually have retirement or transfer tothe Fleet Reserve orders in possession and have completed separation processing prior to departure on leave. Theretirement or transfer to the Fleet Reserve date must occur following completion of the authorized leave period.

23

SERVICE RECORD PAGES

U.S. NAVY:NAVPERS 1000/20 "OATH OF OFFICE" DOCUMENT (Officers only)SGLV 8286 SGLI ELECTION CERTIFICATENAVPERS 1070/602 RECORD OF EMERGENCY DATA/APPLICATION FOR DEPENDENCYNAVPERS 1070/603 ENLISTED CLASSIFICATION RECORD (Enlisted only)NAVPERS 1070/604 NAVY OCCUPATIONAL/TRAINING/AWARDS/EVALUATIONS (Enlisted only)NAVPERS 1070/605 HISTORY OF ASSIGNMENTSNAVPERS 1070/613 ADMINISTRATIVE REMARKSNAVPERS 1616/26 EVALUATIONS OR FITNESS REPORTS

U. S. MARINES:NAVMAC 763 "OATH OF OFFICE" DOCUMENT (Officers only)SGLV 8286 SGLI ELECTION CERTIFICATEMASTER BRIEF SHEET COMPUTER GENERATEDNAVMAC 118(3) CHRONOLOGICAL RECORDNAVMAC 118(8) MOS SCHOOLS TRAININGNAVMAC 118(9) AWARDSDD 4 HOME OF RECORD/PLACE OF ENTRY (Officers only)FITNESS REPORTS or PRO & CON COMPUTER GENERATED FORM

U. S. COAST GUARD:CG 9556 "OATH OF OFFICE" DOCUMENT (Officers only)CG 3698A LATEST OFFICER DATA CARD (Officers only)SGLV 8286 SGLI ELECTION CERTIFICATECG 4170A RECORD OF EMERGENCY DATA/APPLICATION FOR DEPENDENCYCG 3307 ADMINISTRATIVE REMARKSCG 3306 COMPUTER GENERATEDCG 3788A/3788B/3788C EVALUATIONS OR FITNESS REPORTS

U. S. ARMY:DA 71 "OATH OF OFFICE" DOCUMENT (Officers only)DA 4037 OFFICER DATA CARD (Officers only)SGLV-8286 SGLI ELECTION CERTIFICATEDD FORM 93 RECORD OF EMERGENCY DATA/APPLICATION FOR DEPENDENCYDA 2-1 ENLISTED CLASSIFICATION RECORDDA 2-1 OCCUPATION/TRAINING AND AWARDSDA 2-1 HISTORY OF ASSIGNMENTSDA 2-1 / DD 4 HOME OF RECORD / PLACE OF ENTRYDA 2166-7 NCO ENLISTED REPORTDA 67-8 OFFICER EVALUATION REPORT

U. S. AIR FORCE:AF 133 "OATH OF OFFICE" DOCUMENT (Officers Only)SGLV-8286 SGLI ELECTION CERTIFICATEDD 93/AF-357 RECORD OF EMERGENCY DATA/APPLICATION FOR DEPENDENCYAF-83 ENLISTED CLASSIFICATION RECORDRECORD REVIEW RIP (COMPUTER GENTERATED FORM)DD 4 HOME OF RECORD/PLACE OF ENTRYAF910/AF911 EVALUATIONS/FITNESS REPORTS

24

CD SERVICE RECORD

1. It is recommend that you obtain a copy of your CD Service Record prior to leaving active duty.a. Prior to discharge or shortly after discharge, obtain a free copy of your CD record from:

For Navy personnel: NPC replaced the old microfiche record with a new CD Rom. Beginning September 1, 2003, all Activeand Reserve USN/USNR copies of the Official Military Personnel File (OMPF) in the Electronic Military Personnel RecordsSystem (EMPRS) will be provided on Compact Disk (CD).

CD features include:

-Auto load feature from any PC with Microsoft Windows 95 or higher.-Document list for easy navigating through CD -Procedures for record correction process-Hyper-links to frequently asked questions and other resources-Documents secured by an "Official Record Copy" watermark and may be printed if desired-Print copies from your Personal Computer if desired -No more "MICROFICHE" or trying tofind a microfiche reader-No more out-of-pocket expense ($4.00) for Microfiche Viewer-No more "How can I print a paper copy" ?

Record ordering procedures are the same as for requesting a Microfiche copy.

NAVY USN -Navy Personnel Command (PERS-313C)5720 Integrity Drive Millington TN 38055-3130(901) 874-3407 / DSN: 882-3407FAX (901) 874-2664 / DSN: 882-2664

MARINESUSMC - HQMC, MMSB-122008 Elliott Road Quantico VA 22134-5030(703) 784-4623 / DSN: 278-4623FAX (703) 784-5792 / DSN: 278-5792

AIR FORCEUSAF - HQ, AFPC/DPSAMP550 C Street West Suite 19Randolph AFB TX 78150 (210) 565-2450 / DSN: 665-2450FAX (210) 565-4021 / DSN: 665-4021

UNITED STATES ARMYUSA - Army Reference Branch NEnlisted Records division-Input quality branch8899 E. 56th Street

Indianapolis IN 46249-5301(317) 510-3719 or 3720FAX (317) 510-3727 CPMA

COAST GUARDUSCG - Commander Personnel Command(Original records are kept for 10 years)2100 2ND Street, S. W.Washington D. C. 20593-0001(202) 267-1311 Enlisted Records(202) 267-6691 Officer RecordsFAX (202) 267- 4310

25

SELECTIVE SERVICE REGISTRATION

Required by law under the Military Service Act, Section 6, 50 U.S.C. App. 4561-877-688-6888

www.sss.gov

1. All male U.S. citizens (regardless of where they live) are required to register with Selective Service System (SSS) within 30 days after reaching their 18th birthday.

2. SSS will accept late registration but not after a man has reached age 26.

3. Men born between March 29, 1957 and Dec 31, 1959 were not required to register.

4. Men who are on Active Duty with the military from the age of 18 through age 26 are not required to register. UponSeparation from Active Duty Males under the age of 26 MUST register.

5. There are several ways to register with Selective Service:

a. Online at www.sss.gov

b. By filling out a "mail-back" form at the post office.

c. By returning the "reminder Mail back Card" that is mailed to men around the time they turn 18.

d. Checking block 29 of a Federal Student Financial Aid form.

6. Men who fail to register:

a. If prosecuted and convicted, may face a fine of up to $250,000 and/or a prison term of up to five years.

b. Will not qualify for Federal student loans or grant programs.

c. Will not be allowed citizenship.

d. Will not qualify for Federal Job Training (Workforce Investment Act).

e. Will not qualify for Federal jobs in the Executive Branch of the federal government and U.S. Postal service.(Applies only to men born after Dec 31, 1959).

f. States may have additional penalties for those who fail to register.

7. Men who fail to register may apply for an official response from the SSS indicating they were not required to register.They must submit a letter stating the circumstances that prevented them from registering.

8. SSS board will determine whether or not they were exempt from registering. The final decision is up to the agencyproviding the benefit.

9. Males who have not reached age 26 and who have already registered must update their status at the local post officeor by calling: (847) 535-0599. Overseas registration can be done at a U.S. embassy or consulate.

26

MILITARY SERVICE OBLIGATION (MSO)

Reference: MILPERSMAN 1133-010

Each person who entered initial military service on or after 1 June 1984 shall serve a total period of 8 years from the date ofenlistment or appointment. Any portion of the MSO that is not active duty or active duty for training shall be performed in areserve component as defined in 10 U.S.C.; any combination of active duty for Ready Reserve (SELRES) service, as prescribedmay be used to fulfill the MSO.

UNIFORMS

The President has the authority to recall separated/discharged personnel up to 90 days after expiration of obligated service,therefore you must retain a full seabag until 90 days after expiration of obligated service or anytime under military contract.

UNEMPLOYMENT COMPENSATION

Federal Law 5 USC 8521 www.dol.gov/dol/location.htm

1. Ex-service members are eligible for unemployment compensation benefits provided:

a. Member was discharged or released under honorable conditions.

b. Officer did not resign for the good of the service.

c. Completed the first full term of active obligated service which was initially agreed to serve. (If youwere discharged before completing your first full term, the discharge or release must be for an approvedreason under the law. In many cases, active duty service must be for more than 365 continuous days).

MILITARY BENEFITS

EMPLOYER SUPPORT OF THE GUARD AND RESERVE (ESGR)

www.esgr.org

Uniformed Services Employment and Reemployment Rights Act (USERRA)

1. Prohibits discrimination against those who choose to serve in the "Uniformed Services."

2. Ensures a leave of absence from civilian employment for military service, whether that service is voluntary orinvoluntary, for up to 5 years of cumulative voluntary service.

3. Re-employment requires the service member to give the employer advance notification, (verbally or preferably inwriting) to have been separated or discharged under conditions other than dishonorable, and report back to work with in theUSERRA required time limits.

4. Entitles uniformed service members returning from military service to prompt reinstatement of employment withaccrued seniority, status, and rate of pay as if continuously employed.

5. Contact the ESGR Ombudsman program for mediation service at 1-800-336-4590, (703) 696-1400 or DSN 426-1400. Email: [email protected].

27

2. Navy service members who are drawing retired pay are eligible for Unemployment Compensation Ex-service members(UCX) benefits. However, since Navy retirements are considered to be 100% Navy funded, unemployment benefitsare reduced accordingly. Disability benefits received from the Veterans Administration are NOT deducted fromunemployment benefits. http://workforcesecurity.doleta.gov/unemloy/

3. 26 weeks of benefits authorized (rates/eligibility requirements vary in each state).

4. By law, one week waiting period until receipt of first check.

5. Check with state employment/unemployment offices for details on eligibility.

6. Eligibility amount is based on pay grade and length of service.

For questions about eligibility, please contact your local unemployment office or the UCX Assistant, at DSN 882-3351 orCommercial (901) 874-3351 or visit www.npc.navy.mil/CommandSupport/UnemploymentClaims/.

UNEMPLOYMENT COMPENSATION

CONTINUED HEALTH CARE BENEFIT PROGRAM (CHCBP)

www.humana-military.com

1. Effective 1 Oct 93, separating members and their dependents can elect temporary health coverage through CHCBP.This will cover pre-existing conditions.

2. Beneficiaries have 60 days to enroll in CHCBP, but the period of coverage must begin on the day after entitlement to amilitary health care plan ends (including TAMP coverage). Separating members are limited to 18 months of coverage while unmarried dependent children and un-remarried former spouses are limited to 36 months of coverage.

3. Retirees are not eligible for this program, but should see a Tricare representitive for information on Tricare For Life.

4. CHCBP is not part of the TRICARE/CHAMPUS program; however, it functions under most of the rules and proceduresof CHAMPUS. You must find a doctor that accepts TRICARE/CHAMPUS. Unlike TRICARE/CHAMPUS however, theplan is not free. The quarterly premium will be $933 per individual and $1996 per family. This premium must be paidupon enrollment.

5. Enroll by contacting: CHCBP Administrator, P. O. Box 740072 Louisville, KY 40201 or call 1-800-444-5445.

HOUSEHOLD GOODS/PERSONAL PROPERTY SHIPMENT

JFTR Vol I, Ch 5

1. Must make application before separation or within 180 days after separation. (Retirees and certain types of Involuntary SEPS -one year after separation.)

2. Navy will ship to (1) Home of Record, (2) Place where you entered active duty, or any other area of choice within limits of (1) or (2). (Retirees/Involuntary SEPS - Home of Selection entitlement).

3. Separatees may receive 65% of the estimated constructive cost for a DITY move in advance.

4. Contact your personal property office for documentation requirements.28

SMARTWEBMOVE

https://www.smartwebmove.navsup.navy.mil

The user-friendly program developed to help active duty personnel and their families plan and arrange household goodsmoves online, anytime. You can access SMARTWebMove from home, work, on board ship-anywhere you have Internetconnectivity.Access the program 24 hours a day, 7 days a week. No need to leave home or work to arrange a basic station-to-station house-hold goods move. Choose what shipment types YOU want (household goods, additional shipment, non-temporary storage, ifauthorized), and skip what you don't need.

The program is designed to serve up to 80% of routine moves. If you don't qualify because your orders are not yet included, oryou just don't want to use SWM, just contact your Personal Property Office as you would normally.

JFTR Vol Iwww.militaryacclimate.com

1. Check in with your separations personnel at least 15-30 days prior to separating to submit "Travel InformationForm."

2. Must perform travel within 180 days after separation date. (Retirees/Involuntary SEPS - 1 year after separation.)

3. Travel pay is based on mode of transportation authorized (i.e., POV, commercial air).Member = $.15/mile Family Member = $.02/mile not to exceed $.20/mile

4. PER DIEM is based on number of miles/days authorized to perform travel. One Day = 350 Miles /Last day must be minimumof 51 miles. Member = $99.00/day Family Member > 12 yrs old = $74.25/day Family Member < 12 yrs old = $49.50/day

5. Obtain travel vouchers: DD Form 1351 - 2 (MEMBER), from local PSD/personnel office prior to departing.

6. For further assistance after separation, retain points of contact and telephone numbers from the personnel anddisbursing offices of your separating activity. Completed travel claims must be liquidated by YOUR SEPARATIONACTIVITY. Verify local policies with your separation activity.

SEPARATION TRAVEL PAY/PER DIEM ENTITLEMENTS

www.insurance.va.gov

1. 120 DAYS free coverage after separation date for member and child. Update "SGLI Election Form", (SGLV 8286).

2. Spouse coverage is valid for 240 days after separation and can be converted to a civilian policy. POC listed in #3 below.

3. Inform your beneficiary of the requirement to contact the office of SGLI/VGLI within 12 months of members death.1-800-419-1473 or overseas (973) 802-5699.

SERVICEMEMBER'S GROUP LIFE INSURANCE (SGLI)

29

VA BENEFITS

www.gibill.va.gov

Verify your educational benefits by contacting the Veterans Administration at 1-800-827-1000 or 1-888-442-4551. If thereis a discrepancy, contact BUPERS (Code 675) 1-866-827-5672.

1-800-827-1000www.va.gov

1. If entered the military after 7 September 1980, you must complete 24 months continuous active duty or fullperiod for which ordered to active duty (at least 181 days) during peacetime and 90 days during wartime (RESERVISTS).(Verify individual eligibility with the DVA).

2. Prior to 8 September 1980, must separate under conditions OTHER THAN DISHONORABLE with at least 181consecutive days on active duty.

EDUCATIONAL BENEFITS

(CHAPTER 34, TITLE 38, U.S.C.)

1. Enlisted prior to 1 January 1977, and reported for active duty prior to 1 January 1978.

2. Possible conversion to Montgomery GI Bill (MGIB).

3. Honorable Discharge required.

4. 10 years from separation date to use benefit.

VIETNAM ERA GI BILL

CHAPTER 30, TITLE 38, U.S.C.www.gibill.va.gov www.npc.navy.ml/CareerInfo/Education/ GIBILL/contacts.htm or

1-866-827-5672

1. First entered active duty on or after 1 July 1985.

2. To receive GI BILL must serve 24 months of a 3 year contract or 36 months if on a 4 year contract. Contact the VA forexceptions to this rule.

3. $100 a month reduction in pay for first 12 months of enlistment.

4. Honorable discharge/separation required. Also must have a high school diploma or equivalency prior to EAOS.

5. MGIB Booster Program: Provides for an extra $150 monthly benefit for qualified members who contribute $600 while onActive Duty. You must enroll through your Personnel Office. Ref: NAVADMIN 103/01 and Military Pay Advisory 45/01.

6. 10 Years from EAOS to use the full benefit. Total benefit amounts can be found at www.gibill.va.gov.

7. MGIB-SR benefits may be given to eligible drilling reservists. Contact your local Navy Reserve RecruitingRepresentative, or the local Veteran's Administration office for more details..

MONTGOMERY ERA GI BILL (MGIB)

30

VETERANS EDUCATION ASSISTANCE PROGRAM (VEAP)

(Public Law 93-289, 1 Aug 74) www.insurance.va.gov

1. $400,000 maximum coverage. Renewable term life insurance in 5 year increments.

2. Up to one year after separation/discharge date to elect VGLI.

3. Physical will be required if the election is not made within 120 days.

4. Application will be mailed by VA to address in Block 19a of your DD Form 214. You may also download the form fromwww.insurance.va.gov.

5. IRR members can apply and be covered while under contract. Not automatic, must request coverage.

6. Office of Serviceman Group Life Insurance, Newark, NJ: 1-800-419-1473 or overseas (973)-802-5699.

CHAPTER 32, TITLE 38, U.S.C. http://www.npc.navy.mil/CareerInfo/Education/GIBILL/VEAP.htm

1. Entered service between 1 JAN 77 and 30 JUN 85. Must have enrolled by 31 MAR 87 (open period).

2. Lump sum payment possible, up to $2,700 maximum.

3. To determine monthly benefit amount: sum of all contributions/divided by number of months contributed or 36,whichever number is less.

4. Personal contribution amount may be refunded.

5. 10 years from separation from active duty date to use benefit.

6. Maximum total benefit for a full-time student: Three times the contributed amount, not to exceed $8,100.

VETERANS' GROUP LIFE INSURANCE (VGLI)

www.homeloans.va.gov

1. Contact a VA representative for eligibility requirements.

2. Certificate of Eligibility required (VA FORM 26-8320).

3. Usually little or no down payment required.

4. Interest rates and points negotiated between lender, buyer and seller.

5. Fixed and adjustable rate mortgages.

VA HOME LOAN GUARANTEE PROGRAM

1. If you have not received all required dental work prior to separation/discharge, you will have 90 days afterseparation/discharge date to contact the nearest VA hospital and make an appointment. Make sure block 17 of yourDD Form 214 is correct.

DENTAL

31

www.vba.va.gov/bln/vre/index.htm

1. This program offers assistance to Veterans with service-connected disabilities to prepare for, find and keep suitableemployment and may provide severely disabled Veterans who can't work with living services to optimize their independence.

2. Services offered: Eligible Veterans can receive many rehabilitation services offered to aid in finding suitableemployment or living assistance.- skills evaluation- vocational counseling- assistance finding employment- on-the-job training - 2 or 4 year college program- supportive rehabilitation services- maximum of 48 months of services allowed by law

3. Apply at any VA office or online at www.vba.va.gov/bln/vre/index.htm.

VOCATIONAL REHABILITATION

6. VA Appraisal of reasonable value.

7. VA Inspection of newly built home and one year warranty.

8. No ending date to the benefit.

9. To use continuously:(1) Sell house outright,(2) Pay off mortgage,(3) Have another veteran assume your loan and substitute his/her eligibility for yours. Ask for a "release fromliability" and process for a restoration of entitlement.

VA HOME LOAN GUARANTEE PROGRAM

32

BENEFIT TIMETABLE

YOU HAVE ...

10 YEARS FROMRELEASE FROMACTIVE DUTY

10 YEARS FROMRELEASE FROMACTIVE DUTY

12 YEARS FROM RELEASE FROMACTIVE DUTY (GENERALLY FROMDATE OF NOTICE OF VA DISABILITYRATING)

NO TIME LIMIT

NO TIME LIMIT

1 YEAR FROM THE DATE OFMAILING NOTICE OF INITIALDETERMINATION

NO TIME LIMIT

NO TIME LIMIT

WITHIN 90 DAYS OF SEPARATION

WHERE TO APPLY

ANY VA OFFICE

ANY VA OFFICE

ANY VA OFFICE

ANY VA OFFICE

ANY VA OFFICE

VA OFFICE ORHOSPITAL MAKINGTHE INITIALDETERMINATION

ANY VA OFFICE

ANY VA OFFICE ORHOSPITAL

ANY VA OFFICE ORHOSPITAL

BENEFITS ...

VETERANS EDUCATIONAL ASSISTANCE PROGRAM: TheVA will provide financial assistance for the education andtraining of eligible participants under the voluntarycontributory education program. Vocational andeducational counseling is available upon request.

MONTGOMERY GI BILL: Eligible participants first enteringactive duty 7/1/85 through 6/30/88 or with old GI Billeligibility meeting minimum service requirements, mayreceive financial assistance to go to college or a vocationalprogram. Vocational and educational counseling is availableupon request.

VOCATIONAL REHABILITATION: As part of a rehabilitationprogram, the VA will pay tuition, books, tools or otherexpenses and provide a monthly living allowance.Employment assistance is also available to help arehabilitated veteran get a job. A seriously disabled veteranmay be provided services and assistance to increaseindependence in daily living.

VA HOME LOAN GUARANTEE: The VA will guarantee yourloan for the purchase of a home, manufactured home, orcondominium.

NON-SERVICE CONNECTED DISABILITY OR DEATHPENSION: Veterans with qualifying war time service whohave reached age 65 or who are permanently and totallydisabled due to non service connected disabilities, may beeligible to a monthly pension benefit depending onincome. Surviving spouses and dependent children mayalso qualify.APPEAL TO BOARD OF VETERANS APPEALS: Appellatereview will be initiated by a notice of disagreement andcompleted by a substantive appeal after a statement of thecase has been furnished.

MEDICAL CARE: The VA provides a wide range of medicalcare benefits, including help for alcoholism and other drugdependency, to veterans with a service-connecteddisability and to non-service-connected disabilities whomeet certain eligibility criteria.

READJUSTMENT COUNSELING: General or psychologicalcounseling is provided to assist in readjusting to civilian life.

ONE TIME DENTAL TREATMENT: The VA provides one timedental care for certain service connected dental conditions.

33

VA BENEFIT TIMETABLE

YOU HAVE ...

NO TIME LIMIT

2 YEARS FROM NOTICE OF VADISABILITY RATING

120 DAYS OR 1 YEAR BEYONDWITH PROOF OF UNINSURABILITYOR UP TO 1 YEAR IF TOTALLYDISABLED

NO TIME LIMIT

LIMITED TIME

90 DAYS

HOW TO OBTAIN

WHERE TO APPLY

ANY VA OFFICEOR HOSPITAL

ANY VA OFFICE

OFFICE OF SERVICE-MAN'S GROUP LIFEINSURANCE, 213WASHINGTON STREETNEWARK, NJ 07102 ORANY VA OFFICE

LOCAL OR STATEEMPLOYMENTOFFICE OR OFFICEOF PERSONNELMANAGEMENT

STATEEMPLOYMENTSERVICE

EMPLOYER

VETERAN'SBENEFITS1-800-827-1000

BENEFITS ...

DENTAL TREATMENT: Treatment for veterans with dentaldisabilities resulting from combat wounds or service injuriesand certain POWs and other service connected disabledVeterans.

SERVICE DISABLED VETERANS INSURANCE: Low costterm life insurance for veterans with service connecteddisabilities. Veterans who are totally disabled may apply fora waiver of premiums on these policies.

VETERANS GROUP LIFE INSURANCE: SGLI may beconverted to a 5-year renewable term policy. At the end ofthe 5 year term, VGLI may be renewed or converted to anindividual policy with a participating company.

EMPLOYMENT: Assistance is available in findingemployment in industry, in Federal service, and in local orstate employment service.

UNEMPLOYMENT COMPENSATION: The amount of benefitand payment period vary among states. Apply afterseparation.

REEMPLOYMENT: Apply to your former employer foremployment.

Copies of "Federal Benefits for Veterans and Dependents,"may be purchased from: Superintendent of DocumentsU.S. Government Printing OfficeWashington, D. C. 20402 www.vba.va.gov

34

FLEET AND FAMILY SUPPORT CENTER (FFSC)

The Fleet and Family Support Center has many programs and automated systems to help you and your spouse find employ-ment and successfully transition.

1. Transition Assistance Program 3 to 5 day program designed to help military personnel and their family member'stransition to civilian life.

www.dodtransportal.orgwww.dol.gov/elaws/evets.htmwww.va.gov

a. It covers:

Identification of employment and training opportunities, and assistance in obtainingthemLabor market information

Civilian work place requirements

Resume, and civil service application preparation

Job analysis, job search and interview techniques

Identification of federal, state, local, military and veteran group employment assistance programs

Procedures to obtain verification of job skills/experience

Information on how to obtain loans and assistance in starting a small business

Analysis of area you relocate to: employment opportunities, labor market, cost of living, costand availability of housing , child care, education, medical and dental care, churches, etc.

Reference source material for services you will need after separation

b. You may attend TAP after separation at closest military installation where you reside. Contact the Fleetand Family Support Center or other service equivalent (if you live close to a military installation other than Navy) for aquota. For a complete list of TAP schedules log onto www.ffsp.navy.mil/tap/transitions_tapschedules.htm

2. America's Job Bank an on line resume service directly accessed by employers nationwide. Americas Job Bankhttp://www.ajb.org

3. Employment Career Resource Center includes a spouse employment assistance program to assist you and yourspouse in finding employment.

Workshops offered:

Career Planning / Job SearchResume WritingInterviewing TechniquesFederal EmploymentSmall BusinessSmooth Move

www.ffsp.navy.mil

35

FLEET AND FAMILY SUPPORT CENTER (FFSC)

4. Referral to Government and Private Programs for Job Search/Placement

a. Federal Job Opportunities - www.usajobs.opm.gov

- Local civilian personnel offices- Office of personnel management www.opm.gov- Federal job opportunities listing a bi-weekly publication of federal job vacancies worldwide.- www.fedweek.com

b. State Employment Offices

- Special consideration and priority for referral, testing and counseling. Veterans have preference inapplying for some federal jobs.

c. Small Business Administration (SBA) helps you with everything you need to know aboutstarting a business.

- Research, money, licenses, patents, copyright material, etc.- Run by successful retired business people. Call 1-800-827-5722 or log on to www.sba.gov

5. Financial Planning Assistance

a. Evaluation of personal budget to prepare you financially for transition.

b. Get copy of credit report. Check local phone directory for credit reporting companies or contact:

EXPERIAN: 1-800-397-3742 www.experian.com ($8 per report)Trans Union Corporation: 1-800-916-8800 or 1-800-682-7654 www.tuc.com ($8 per report)Equifax: 1-800-685-1111 www.equifax.com ($8 per report)

6. Counseling on Effects of Career Change Transition can be stressful and affect the whole family. FFSC has trainedcounselors to assist in:

a. Identifying symptoms. Stress may cause depression, insomnia, fatigue, excessive drinking/smoking, physicalillnesses, bursts of anger, mood swings, etc.

b. Teaching you "stress busting" skills Open communication with family/ friends; order and routine; avoiddiscouragement; taking control of your future by establishing a transition plan; keeping a positive attitude;helping others helps you feel better; and don't keep fears, worries and plans inside share with others!

7. Relocation Assistance Program (RAP) Designed to assist you in your relocation decision. Located at FFSCs, RAP issupported with an Automated Data System with in-depth relocation such as:

a. Cost of livingb. Education and child carec. Average cost of housing and availabilityd. Employment/churches/organizationse. Average income, etc.f. Referral to other agencies to provide you information (i.e. local Chamber of Commerce/Departmentof Labor; National Realtors; Public Libraries; Health Referral Services, etc.)

36

Location

ANNAPOLIS MD

ATLANTA, GA

ATSUGI JAPAN

BAHRAIN (MANAMA)

BREMERTON WA

BRUNSWICK ME

CHARLESTON SC (NWS)

CHINA LAKE CA

CORPUS CHRISTI TX

DAHLGREN VA

EARLE NJ

EVERETT WA

FALLON NV

FORT WORTH TX

FT GEORGE MEADE MD

GAETA ITALY

GREAT LAKES IL

GUANTANAMO BAY

GULFPORT MS

GUAM

INGLESIDE TX

JACKSONVILLE FL

KEFLAVIK ICELAND

KEY WEST FL

KINGS BAY GA

KINGSVILLE TX

LA MADDALENA ITALY

LAKEHURST NJ

LEMOORE CA

LITTLE CREEK VA

LONDON ENGLAND

DSN

281-2641

625-6735

315-264-3643

318-439-4046

439-5113

476-2273

794-7294

469-2974

861-3722/2372

249-1839

449-2115

727-3367

890-3333

739-5287

923-6882

314-627-7818

792-3603

723-3960

868-2581

344-9859/2056

776-4551

942-2766/5756

450-4401

483-4408

573-4512/3

876-6333

623-8205/6

624-1248

949-4042

253-7563

238-3406

Commercial

(410)293-2641

(678)655-6735

011-81-311-764-3268

011-973-72-4046

(360) 476-5113

(207) 921-2273

(843) 764-7294

(760) 939-4545

(361)961-3722/2372

(540) 653-1839

(732) 866-2115

(425) 304-3367/8/9

(775) 426-3333

(817) 782-5287

(301) 677-6882

011-39-77-170-9818

(847) 688-3603/3604

011-53-99-4141

(228) 871-2581

011-671-333-2056/7/8/9

(361) 776-4551

(904) 542-2766

011-354-425-4401

(305) 293-4408/09/10

(912) 573-4512/3

(361) 516-6830

011-39-789-798205/6

(732) 323-1248

(559) 998-4042

(757) 462-7563

011-44-1638-543405

Location

MAYPORT FL

MEMPHIS TN

MERIDIAN MS

MONTEREY CA

NAPLES ITALY

NAVAL DISTRICT WASH DC

NEW LONDON CT

NEW ORLEANS LA

NEWPORT RI

NORFOLK VA

NORTH ISLAND CA

OCEANA VA

PANAMA

PANAMA CITY FL

PASCAGOULA MS

PATUXENT RIVER MD

PEARL HARBOR HI

PENSACOLA FL

POINT MUGU CA

PORT HUENEME CA

ROOSEVELT ROADS PR

ROTA SPAIN

SAN DIEGO CA

SARATOGA SPRINGS NY

SASEBO JAPAN

SIGONELLA ITALY

WAHIAWA HI

WHIDBEY ISLAND WA

WHITING FIELD FL

WILLOW GROVE PA

YOKOSUKA JAPAN

Commercial

(904)270-6600

(901) 874-7520

(601) 679-2360/2358

(831) 656-3060/3141

011-39-817-24-4808

(202) 433-6150

(860) 694-3383

(504) 678-2647/8/9

(401) 841-2283

(757) 444-2102

(619) 545-6071/80

(757) 433-2912

011-507-283-5749

(850) 235-5800

(228) 761-2096

(301) 342-4911

(808) 474-2220

(850) 452-5990

(805) 989-8146

(805) 982-5037

(787) 865-4097/4975

011-34-56-82-3231/2

(619) 556-7438

(518)583-2900

011-81-611-752-3604

011-39-095-56-4291/2/3

(808) 653-0203

(360) 257-6289/2902

(850) 623-7177

(215) 443-6061/6033

011-81-311-743-6716/7

DSN

960-6600

882-5075/6

637-2360/2358

756-3060/3141

314-625-4808

288-6150

694-3383

678-2647/8/9

948-2283

564-2102

735-6071/80

433-2912

283-4368

436-5800

358-2096

342-4911

315-474-2220

922-5990

351-8146

551-5037

831-4097/4975

314-727-3231/2

526-7438

NO DSN

315-252-3604/18

314-624-4291/2

NONE

820-6289/2902

868-7177

991-6061/6033

315-243-6716/17

FLEET AND FAMILY SUPPORT CENTER DIRECTORY

37

USUALLY LOCATED AT LOCAL STATE EMPLOYMENT OFFICES

1. Local State Director of Veterans Affairs - To determine state benefits you may be entitled to, visit www.nasdva.com.

2. Local Veterans Employment Representative (LVER) - Coordinated by the Department of Labor to assist veterans inobtaining employment and benefits.

3. Disabled Veterans' Outreach Program (DVOP) Coordinated by the Department of Labor to assist disabled veteransobtain employment and benefits.

4. Office of Personnel Management (OPM) Gives preference for federal jobs to veterans with any disability rating.Special preference granted to veterans with 30% or greater disability. www.usajobs.opm.gov

5. Disabled American Veterans (DAV) A nonprofit association of wartime disabled veterans. These veteran's benefitsexperts are available to screen your medical records, at no cost to you, for possible disabilities and assistance in filingVA claims. (202) 554-3501. www.dav.org

ADDITIONAL ORGANIZATIONS

1. American Veterans of World War II, Korea and Vietnam (AMVETS) - A nonprofit association of wartimedisabled veterans. These veteran's benefits experts are available to screen your medical records, at no cost to you,for possible disabilities and assistance in filing disability claims. (301) 459-9600 www.amvets.org

2. Troops to Teachers provides Referral Assistance and Placement services to military personnel interested inbeginning a second career in public education as a teacher. The DANTES Troops-to-Teachers office will helpapplicants identify teacher certification requirements, programs leading to certification and employment opportunities.

a. Basic requirements:

(1) Military personnel who have retired,(2) Active duty personnel who separate with six or more years of service on or after October 1, 1990, or(3) Current members of the Selected Reserve with six or more years of creditable service towardsretirement.

The last period of service must be honorable. Those selected to participate in the Program before retirement, separation, orrelease from active duty may continue to participate only if the last period of service is characterized as honorable.

b. Educational Requirements:

(1) Must hold a Baccalaureate or advanced degree from an accredited institution at the time ofregistration for academic teacher referral- or -(2) have the equivalent of one year of college with six years of work experience in a vocational ortechnical field or meet state requirements for vocational/technical teacher referral.(3) If you do not have a Bachelors degree, you have 5 years from date of separation to obtain a degree.Financial assistance may be available.

c. For information contact: Troops-To-Teachers Assistant, Code 02A Email: [email protected]: (850) 452-1320, DSN 922-1320, Toll-free: 1-800-231-6242www.dantes.doded.mil/dantes_Web/troopstoteachers/index.htmwww.ed.gov/programs/troops/index.html

OTHER AGENCIES

38

a. College program - 2 years for up to $6,000 dollars.

b. Vocational Technical Training (certificate program).

c. On The Job Training (employer receives stipend to train you).

d. For further information contact your local state employment office for eligibility and application procedures priorto separation. You can find more information at www.workforce.com.

4. Additional Financial Assistance Opportunities:

a. "Need a Lift" brochure provides scholarship, grant and loan opportunities. For information send$3.00 to National Emblem Sales, P.O. Box 1050, Indianapolis, IN 42606.

b. US Department of Education - Information on scholarships. 1-800-872-5326/ www.ed.govDepartment of Education's Federal Financial Aid Center 1-800-433-3243

ADDITIONAL ORGANIZATIONS

3. Workforce Investment Act - Three programs available:

39

VETERAN SERVICE ORGANIZATIONS

www1.va.gov/vso/

1. National Service Organization

American Legion Washington, DC (202)861-2700American National Red Cross Washington, DC (202) 737-8300AMVETS Lanham, MD (301) 459-9600Blinded Veterans Association Washington, DC (202) 371-8880Disabled American Veterans Washington, DC (202) 554-3501Marine Corps League Arlington, VA (703) 207-9588Military Order of the Purple Heart Washington, DC (703) 354-2140Paralyzed Veterans of America, lnc. Washington, DC (202) 872-1300Veterans of Foreign Wars of the United States Kansas City, MO (816) 756-3390Vietnam Veterans of America Washington, DC (301)585-4000

2. Other National Service Organizations Recognized by the VA

Air Force Sergeants Association Marlow Heights, MD (301) 899-3500American Veterans Committee Bethesda, MD (301) 320-6490Army and Navy Union, USA Lakemore, OH (233) 733-3113Army/Air Force Mutual Aid Association Arlington, VA (703) 622-3060Jewish War Veterans of the United States Washington, DC (202) 265-6280Jewish Community Center Association New York, NY (212) 532-4949National Tribune Corporation Phurmant, MD (412)552-1350Navy Mutual Aid Arlington, VA (800) 628-6011

3. Other Military Service Related Organizations

Air Force Association (AFA) Arlington, VA (703) 247-5800Association of the United States Army (AUSA) Arlington, VA (703) 841-4300Armed Forces Communications and Electronics Association Fairfax, VA (703) 631-6100Marine Executive Association (MEA) McLean, VA (703) 734-7974Navy League of the United States Arlington, VA (703) 528-1775Non Commissioned Officers Association (NCOA) San Antonio, TX (703) 549-0311The Retired Officers Association Alexandria, VA (703) 549-2311West Point Alumni Association West Point, NY (845) 938-4600Naval Reserve Association (NRA) Alexandria, VA (703) 548-5800

4. State Organization Recognized by VA

Alabama Department of Veterans Affairs Montgomery, AL 334) 242-5077Alaska Division of Veterans Affairs Juneau, AK (907) 586-7412American Samoa-Veterans Affairs Office Pago Pago (011)(684) 633-4116Arizona-Veterans Service Commission Phoenix, AZ (602) 255-4713Arkansas-Department of Veterans Affairs N. Little Rock, AR (501) 370-3820California-Department of Veterans Affairs Sacramento, CA (916) 322-1796Colorado-Department of Veterans Affairs Denver, C0 (303) 894-7474Connecticut-Soldiers, Sailors, and Marine Fund Hanford, CT (860) 953-4345Delaware-Commission of Veterans Affairs Dover, DE (302) 739-2792District of Columbia-Office of Veterans Affairs Washington, DC (202) 273-5400Florida-Department of Veterans Affairs St. Petersburg, FL (727) 898-4443Georgia-Department of Veterans Service Atlanta, GA (404) 656-2300

40

VETERAN SERVICE ORGANIZATIONS

4. State Organization Recognized by VA (continued)

Guam-Office of Veterans Affairs Agana, Guam (571) 475-4225Hawaii-Office of Veterans Services Honolulu, HI (808) 587-3000Idaho-Division of Veterans Services Boise, ID (208) 334-5000Illinois-Department of Veterans Affairs Springfield, IL (217) 782-6641Indiana-Department of Veterans Affairs Indianapolis, IN (317) 232-3910Iowa-Department of Public Defender Des Moines, IA (515) 242-6725Kansas-Veterans Commission Topeka, KS (785) 296-3976Kentucky-Division of Veterans Affairs Louisville, KY (602) 587-8122Department of Veterans Affairs Louisiana Baton Rouge, LA (800) 488-5244Maine-Veterans Services Augusta, ME (207) 626-4464Maryland-Veterans Commission Baltimore, MD (410) 962-4700Massachusetts-Department of Veterans Services Boston, MA (617) 727-3578Michigan-Veterans Trust Fund Lansing, MI (517) 373-3130Minnesota-Department Of Veterans Affairs St. Paul, MN (612) 296-2562Mississippi-Veterans Affairs Board Jackson, MS (601) 576-4850Missouri-Veterans Commission Jefferson City, MO (573) 751-3779Montana-Veterans Affairs Division Helena, MT (406) 841-3740Nebraska-Department of Veterans Affairs Lincoln, NE (402) 471-2458Nevada-Commission for Veterans Affairs Reno, NV (702) 688-1155New Hampshire-State Veterans Council Manchester, NH (603) 624-9230New Jersey-U.S. Department of Labor VETS Trenton, NJ (609) 292-2930New Mexico-Veterans Service Commission Santa Fe, NM (505) 827-6300New York-Division of Veterans Affairs Albany, NY (518) 474-3752North Carolina-Division of Veterans Affairs Raleigh, NC (919) 733-3851North Dakota-Department of Veterans Affairs Fargo, ND (701) 239-7165Ohio-Government Office of Veterans Affairs Columbus, OH (614) 466-5453Oklahoma- Department of Veterans Affairs Oklahoma City, OK (405) 521-3684Oregon- Department of Veterans Affairs Salem, OR (503) 373-2388Pennsylvania-Department of Veterans Affairs Indian Town Gap, PA (717) 861-8901Puerto Rico-Department of Labor, Veterans Office Hato Rey, PR (787) 754-5353Rhode Island-Veterans Affairs Bristol, RI (401) 247-0850South Carolina-Division of Veterans Affairs Columbia. SC (803) 734-0200South Dakota-Division of Veterans Affairs Pierre, SD (605) 773-3269Tennessee-Department of Veterans Affairs Nashville, TN (615) 741-2345Texas-Veterans Commission Austin, TX (512) 463-5538Utah-Veterans Services Center Salt Lake City, UT (801) 524-6048Vermont-Veterans Affairs Montpelier, VT (802) 828-3379Virginia-Division of War Veterans Claims Roanoke, VA (703) 637-7104Virgin Islands-Department of Veterans Affairs St Croix Virgin Islands (340) 773-6663Washington-Department of Veterans Affairs Olympia, WA (360) 753-5586West Virginia-Division of Veterans Affairs Charleston, WV (304) 558-3661Wisconsin-Department of Veterans Affairs Madison, WI (608) 266-1315Wyoming-Department of Veterans Affairs Cheyenne, WY (800) 827-1000

Naval Reserve Association Alexandria, VA (703) 548-5800

County Veterans Service Offices

Each state maintains County Veterans Service Offices, also known as State Veterans Affairs Offices. They are located in thecounty seat of most counties throughout the nation. Services available include applications for benefits such as disabilityclaims with the Department of Veterans Affairs, home loans, and Veterans death benefits. The service officers at these officeshave been trained to assist Veterans in applying for and obtaining benefits related to military service and/or Veteran status.

41

Individual Ready Reserve (IRR) Non drilling members under a military obligation assigned to Navy Reserve Personnel Center(NRPC), New Orleans, LA.

NAVY IRR - NAVRESPERCEN (NRPC) 1 800 966-9174 or 1-800-535-2699MARINE IRR 1-800-255-5082ARMY IRR 1-800-325-4752(ENLISTED)

1-800-325-4980 (OFFICER)AIR FORCE IRR 1-800-257-1212COAST GUARD IRR 1-202-267-1621

IRR PARTICIPATION INFORMATION

1-800-966-9174 or 1-800-535-2699www.nrpcweb.nola.navy.mil/irrguide.htm

1. If you have a service obligation and are not on active duty or assigned to a SELRES unit, you are assigned to the IRR at NRPC,New Orleans, LA.

2. As a member of the IRR, you are subject to mobilization. Therefore, you will be required to:

a. Keep NRPC advised of any changes in residence, employment, marital status, physical condition or anything,which could affect readiness for recall to active duty.

b. Maintain your uniforms in serviceable condition.

c. Respond to all correspondence and participate in annual screening.

d. Maintain physical readiness. Physicals as required.

3. Bonuses may be available for honorably discharged members with critical rates/NEC's. For a list of the currentrates/NEC's, visit www.nrpcweb.nola.navy.mil/irrguide.htm.

4. No IDT (Inactive Duty Training) requirement.

5. No required annual training, however annual training opportunities are available for qualified personnel. Contact NavyReserve Personnel Center 1-800-535-2699 or e-mail: [email protected]

5. Officers are eligible for promotion. It is important that officers, particularly LCDRs, understand they are subject to attritionfrom an active status when twice failed to select for the next grade.

6. Officers with less than 20 years of qualifying service are required to earn a minimum of 27 points per anniversary year.NPC may transfer personnel who do not meet minimum participation requirements for their status to the Standby Reserve(S-2). Participation for retirement point credit is not authorized while in this status.

7. No enlisted advancement and no minimum participation requirement for enlisted personnel with less than 20 years ofqualifying service.

RESERVE CATEGORIES

42

BENEFITS AVAILABLE TO IRR MEMBERS

1. Reenlistment - members may immediately reenlist for two through six years at any time during the last 12 months prior totheir End of Obligated Service (EOS). Call 1-800-535-5753 for more information.

2. Unlimited access to exchange and MWR revenue generating facilities with valid ID card. Access for members residing over-seas will be dependent upon host nations' Status of Forces Agreement (SOFA).

3. Unlimited access to commissary facilities; if a qualifying retirement year is earned.

4. Eligible for full time coverage under VGLI $400,000. Call 1-800-419-1473 or if overseas (201)-802-5699.

5. Reserve Retirement Opportunity - members may receive retirement pay and benefits at age 60 if they accumulate 20 qual-ifying years of service. To obtain a qualifying year, a member must be credited with a minimum of 50 points per year. Pointsmay be earned through:

a. IRR members automatically receive 15 gratuitous/membership points every year.

b. Completion of correspondence courses (https://www.courses.cnet.navy.mil/).

c. Volunteer for Annual Training.

6. Reserve Component Survivor Benefit Plan (RCSBP) - Provides an annuity to eligible beneficiaries of reservists whohave qualified for retired pay at age 60. Upon election of coverage, premiums automatically deducted when member startsreceiving retired pay at age 60. Request for RCSBP, contact NRPC, Code 414, New Orleans, LA 70149-7800.

7. ID card for servicemembers and their dependents for exchange, MWR and commissary privileges.

8. Tricare Dental Program (TDP) is available to IRR members and their family. Visit www.ucci.com orwww.tricaredentalprogram.com or call 1-888-622-2256 for more information.

43

1-800-USA-USNR/1-800-872-8767www.navyreserve.com

1. RESCORE-R. (Recruiting Selective Conversion and Reenlistment-Reserves) - Allows recently separated/discharged NavyVeteran's (NAVETS)and IRR personnel who are in closed ratings and would otherwise be ineligible for enlistment/affiliation toaccess into open ratings via a change of rating. COMNAVRESFOR will publish an ALNAVRESFOR Enlisted Career ManagementObjective (ECMO) message identifying rates eligible for RESCORE-R .

2. APG (Advanced Pay Grade). Provides for the enlistment of personnel who are (or recently have been) employed in a civilianoccupation which relates to an undermanned rating. Non-prior service personnel incur an 8 year Military Service Obligation,six of which must be served in the SELRES. The remainder of their enlistment may be either in the SELRES or the IRR. TheAPG program requires 2 weeks recruit training. Reservists normally spend one weekend per month in training sessions at aNavy Reserve Center, plus 12-17 days per year in annual training (AT) at a site other than a Navy Reserve Center.

3. CB-VET (Construction Basic-Veteran) Allows the enlistment of qualified veterans from all branches of service interested ina military career in the construction trades.

4. NAVET (Navy Veteran) - Provides for enlistment/reenlistment of personnel having prior active or inactive service in the Navyor Navy Reserve.

SELECTED RESERVE PARTICIPATION REQUIREMENTS

BUPERSINST 1001.39(Series) COMNAVRESFORINST 1001.5(Series)

1. IDT (Inactive Duty Training, or drill) periods conducted one weekend per month or as scheduled. Flexible IDT schedules areavailable.

2. Four IDT periods per weekend. Normally Saturday AM/PM & Sunday AM/PM. One IDT period is a 4-hour work period.

3. 48 scheduled IDT's per year.

4. Maintain 85% attendance of all scheduled IDT's and complete 12 - 17 days Annual Training (AT) for a satisfactory year.

SELECTED RESERVE PROGRAMS

44

1. PAY: One four hour IDT period = one full day's basic pay; Annual Training Active Duty pay and allowances per the DODPM(DOD Pay Manual). For the most current reserve pay chart, visit www.dod.mil/dfas/money/milpay.

2. SERVICEMEN'S GROUP LIFE INSURANCE: Available up to $400,000, same cost and coverage as active duty.www.insurance.va.gov

3. ADVANCEMENT opportunities/service schools/LDO/CWO/DCO programs.

4. EDUCATIONAL OPPORTUNITIES (i.e., Navy College programs, ACT/SAT tests.)

5. MONTGOMERY GI BILL-SELECTED RESERVE (MGIB-SR) , CHAPTER 1606, TITLE 10:a. Non contributory.b. Must be a high school graduate or have GED.c. Incur 6 year obligation and maintain satisfactory participation.d. Visit www.gibill.va.gov for eligibility and benefit information.

MGIB-SR KICKERa. The Montgomery GI Bill - Selected Reserve Kicker (MGIB-SR Kicker) Incentive Program for the Naval Reserve Forceprovides an increase in educational assistance benefit payments to reserve component members who possesscritical specialties.b. A service member may be granted an MGIB-SR Kicker ONLY ONCE and must continue to serve for six years in theSelected Reserve of the component that granted the MGIB-SR Kicker.

c. Visit https://reserves.navy.mil (you'll have to log in under the NRKO link with your SSN, then click on theManpower/Personnel tab at the top) for more information.

6. UNIFORM ENTITLEMENTS: E6/below-old uniforms are traded in one for one, at no cost. There are some exceptions sobe sure to check with your local reserve center/unit. E7 through E9 will receive a quarterly monetary allowance.

7. MEDICAL COVERAGE/EMERGENCY DENTAL: On IDT weekends/Annual Training only.

8. TRICARE SELECTED RESERVE DENTAL: A voluntary, low cost, basic; dental program that is designed to help youmaintain good dental health and military readiness by offering diagnostic, preventive, and limited restorative, oral surgery,and emergency services. Monthly premiums are $10.51. For more information call 1-888-622-2256 or visitwww.tricaredentalprogram.com.9. "SPACE A" AIR TRAVEL ON DOD OWNED AIRCRAFT: (DD FORM 1853) is required and may be obtained from your NavalReserve Activity).

10. UNLIMITED EXCHANGE AND COMMISSARY PRIVILEGES: Member and dependents.

11. MWR REVENUE GENERATING FACILITIES: (i.e., club, theater, bowling alley, etc.) Member and dependents.

12. RESERVE COMPONENT SURVIVOR BENEFIT PLAN: (See section entitled BENEFITS AVAILABLE TO IRR MEMBERS).

BENEFITS AVAILABLE TO SELECTED RESERVISTS

45

1. Bonuses may be available to SELRES personnel in critical ratings and NECs.

2. For eligible ratings/programs and current amounts, visit https://reserves.navy.mil (you'll have to log in under the NRKOlink with your SSN, then click on the Manpower/Personnel tab at the top) or call:

ENLISTEDDSN: Commercial:

Program Manager 739-5040 (817)-782-5040Program Supervisor 678-4240 (504) 678-4240

OFFICERDSN: Commercial:

Program Manager 739-5040 (817) 782-5040Program Supervisor 678-4240 (504) 678-4240Fax 678-6137 (504) 678-6137

3. RESERVE RETIREMENT: Reserve Retirement is based on a point system. The more points you earn, the more money inyour retirement check. Twenty qualifying years of service (active & reserve) must be earned, of which the last 8 years mustbe in a reserve component. A "qualifying year" is any year the Reservist earns a minimum of 50 retirement points. Paybenefits start at age 60.

a. Active Duty One point for each day of active duty.

b. Annual Training One point for each day of training.

c. IDT periods One point for each four hour IDT. Maximum of two IDT's per day.

d. Correspondence Courses An assigned point value for each course completed as an inactive Reservist.

e. Gratuitous Points Inactive Naval Reservists are awarded 15 gratuitous points annuallyfor being a member of the Naval Reserve.

f. Funeral Honors One point for each day while in a duty status.

* MAXIMUM RETIREMENT CREDIT ANNUALLY - A maximum of 90 points from items c, d, and f, can be credited forretirement annually. Points earned while on Active Duty and/or Annual Training (items a and b) will also be added for ayearly maximum of 365.366.

* RETIREMENT FORMULA: Total Number of Retirement Points360 X .025 X Base Pay = $$

* APPROXIMATE RESERVE PERCENTAGES

BONUSES AVAILABLE IN THE SELECTED RESERVE

HOW TO COMPUTE RESERVE RETIREMENT POINTS

46

HOW TO COMPUTE RESERVE RETIREMENT POINTS

Examples: Based on 2 1/2% for each year of Active Duty and 1/2% for each year of Satisfactory Reserve Participation

YEARSACTIVE DUTY

0

3

4

6

8

10

12

13

16

20

YEARSINACTIVE DUTY

20

17

16

14

12

10

8

8

8

0

PERCENT (%)ACTIVE DUTY

BASE PAY

10

16

18

22

26

30

34

39

44

50

EXAMPLE: E6

4 years Active Duty = 1461 pts16 Years SELRES = 960 pts

2421 pts

2421 X .025 X $2097 = $353/MONTH360

EXAMPLE: O5

4 years Active Duty = 1461 pts16 Years SELRES = 960 pts

2421 pts

2421 X .025 X $5094 = $856/MONTH360

1. Contact nearest Navy Reserve Representative or call toll-free 1-866-NAVRES1 (1-866-628-7371). If you intend toaffiliate, expedite service record transfer by contacting the Navy Reserve Representative in the location where you will live.

2. Documents which will expedite Officer Affiliations:DD 214 (copy 4)USNR Commission/Oath of Office Documents (NAVCRUIT 1000/20)Copy of DD 2808/2807-1 (HIV test required)

3. Documents which will expedite Enlisted Affiliations:DD 214 (copy 4)Copy of 2808/2807-1 (HIV test required)Copies of service record pages with ASVAB scores.

SELECTED RESERVE AFFILIATION PROCEDURES

47

MILPERSMAN 1306-1500/1502www.npc.navy.mil/CareerInfo/ReservePersonnelManagement/

1. The purpose of the FTS program is to train and administer the Navy Reserve.

2. Enlisted FTS personnel serve in demanding billets at sea and ashore providing support to Navy Reservists.

3. FTS enlisted personnel are accessed via USN conversions and Selected Reserve recall to active duty. This is a careerprogram requiring a minimum 48 month initial commitment.

4. The FTS community is small and opportunities for accession are limited. Manpower requirements (paygrade, rating, andNEC) and sustained professional performance are the primary considerations for selection.

5. As a FTS:

a. You receive the same benefits as USN.

b. Opportunity for diverse assignments, great geographic options.

c. You have greater career path flexibility and strong promotion opportunity.

d. Compete only with other FTS's for promotion or advancement.

6. APPLICATION PROCEDURES:

a. Enlisted: Contact your Command Career Counselor or Pers-4913C2 (FTS Recall/Conversion Desk) atDSN 882-4556 Comm: (901) 874-4556.

b. Officer: Contact Pers-4921 ( Full Time Support Officer Community Manager) DSN:882-3482/4513 Comm: (901) 874-3482/4513.

APPLICATION PROCEDURES: To be eligible, must NOT be off active duty more than 3 years.

1. Active Duty List Officers - refer to MILPERSMAN 1001-020. For general information, career paths, etc., contact the FTSDetailers at:PERS 4417 AIR: (901) 874-4062/4 DSN: 882-4062/4SURFACE: (901) 874-4158 DSN: 882-4158FLEET SUPPORT: (901) 874-4117 DSN: 882-4117

2. Enlisted - see Command Career Counselor. For further information, PERS 4913 at: (901) 874-4509 DSN: 882-4509

FULL TIME SUPPORT(FTS) PROGRAM

48

CANVASSER RECRUITER (CANREC) PROGRAM

BUPERSINST 1001.40A (CANREC)BUPERSINST 1300.42A (NR-CRF)

1. Officer and Enlisted personnel recalled for Reserve component recruiting purposes.

2. Applicants are normally recalled for two years initially and are called canvasser recruiters (CANRECs).

3. Officer contracts are renewable for a period not to exceed six years and are subject to individual performance and theneeds of the Navy.

4. Upon completion of a successful 24 month period as a CANREC, the individual is offered the opportunity to convert over tothe FTS program or return to SELRES status. Enlisted personnel change their rating to NC(CRF), Career Recruiting Force, withan NEC of 2186. Officer personnel will change their designator to 1687, Naval Reserve Officer Recruiter. A member may notremain in a CANREC status beyond a 5 year period per Title 10 of the U.S. Code.

6. Pers 491-D Phone: 901-874-2926 DSN: 882-2926www.npc.navy.mil/CareerInfo/ReservePersonnelManagement/SelresOfficer/Accession

5. For information on application procedures contact your local Navy Reserve Representative or call toll-free1-866-NAVRES1 (1-866-628-7371).

49

RETIREMENT/FLEET RESERVE INFORMATION

1. Documents and information concerning Service Recordsa. Up to nine months after transfer to Fleet Reserve or Retirement

Navy Personnel Command (Pers-312)5720 Integrity DriveMillington, TN 38055-3120

b. After nine months transfer to Fleet Reserve or Retirement www.archives.gov

National Personnel Records Center9700 Page BoulevardSt. Louis, MO 63132

2. Address correspondence to: (include Complete name, SSN, Rate/Rank, and dates of service):

DEERS In California: 1-800-334-4162(Eligibility for Alaska/Hawaii: 1-800-527-5602health care benefits) all others: 1-800-538-9552

Retired/Retainer pay Commanding Officer Defense Finance &Accounting Services Cleveland Center -1240 East 9th StreetCleveland, OH 44199-2055

1-800-321-1080and Change of address FAX: 1-800-469-6559for Retirees with pay

Health/Dental Records Department of Veterans AffairsService Medical Records Center1111 Winnebago StreetSt. Louis, MO 63115-8950(314) 263-5070/76

For dependent records after 2 yearsNational Personnel Records CenterP.O. Box 150950St. Louis, MO 63118-4126www.archives.gov

Survivor Benefit Plan Naval Personnel Command (PERS-622)Retired Activities 1-866-827-5672 [email protected] Integrity Drive www.npc.navy.mil/CommandSupport/Millington, TN 38055-6220 CasualtyAssistance www.dod.mil/actuary/

Reserve Component Navy Reserve Personnel Center4400 Dauphine St. New Orleans,LA 70149-7800

1-866-250-4778Survivor Benefit Plan

Veterans Benefits Department of Veterans Affairs 1120Vermont Ave., N WWashington, DC 20421

1-800-827-1000

www.va.gov

Social SecuritySocial Security Administration6401 Security BLVD.Baltimore, MD 21235

1-800-772-1213Benefits 0700 - 1900 M-F

www.ssa.gov

Burial in Arlington Superintendent ArlingtonNational CemeteryArlington, VA 22211

(703)607-8585National Cemetery www.cem.va.gov

Dental InsuranceDDP DELTAP.O. Box 537008 Sacramento,CA 95853-7008

1-888-838-8737

www.ddpdelta.org

50

www.dod.mil/dfas/money/retiredwww.afpc.randolph.af.mil/afretire/

1. To get an estimate of your retirement pay, visit www.staynavytools.bol.navy.mil/RetCalc/ to use the online retirement calculator.

2. How pay will be computed:The amount of retired/retainer pay is based on several factors. DFAS will use one of the following methods to compute yourretired pay:

a. Retiree (30 or more years of service): 75% of base pay.

b. Fleet Reserve (less than 30 years of service) and:

Initially entered the service before Aug 1, 1986 or entered on or after August 1, 1986 and elected NOT tobe in the REDUX retirement plan, the factor is determined by taking 2 1/2% times years of service.

Initially entered the service on or after Aug 1, 1986 and elected the REDUX retirement plan, thefactor is determined by taking 2½ % times your years of service then reduce that factor by 1% foreach year less than 30 years. This reduction factor is eliminated at age 62.

Initially entered the service before September 8, 1980, base pay for retirement is the same as theirlast active duty pay.

Initially entered the service after September 8, 1980, base pay is the average of the highest 36months of active duty base pay received.

Clarification of the relationship of the Delayed Entry Program (DEP) to the Pay Entry Base Date (PEBD) is as follows:(Reference: MILPERSMAN 1133-010)

a. 01 October 1979 to 31 December 1984: DEP counts toward PEBD.

b. 01 January 1985 to present: DEP does not count toward PEBD.

3. Deductions:

a. Taxes:

Federal: Retired pay is fully taxable (reduced by SBP or VA compensation). You may contact the IRS at1-800-829-1040 for specific calculations and questions concerning federal taxes.

State tax: Deductions must be specifically requested through DFAS. $10.00 is the minimummonthly amount.

The Military Officers Association of America has an excellent website which lists states that do not taxretired military pay, and includes links to individual states. www.moaa.org

FICA: Retired pay is not subject to FICA nor is it reduced when members become entitled to social security payments.

RETIRED/RETAINER PAY

51

b. Allotments:

Retirees are permitted to have allotments deducted from their retired pay. Allotments classified asdiscretionary are limited to a maximum of 6.Loan repayment to Red Cross or Navy Relief.Savings allotment - discretionaryHome loans - discretionaryU.S. Savings Bond. Bonds established for safekeeping while on active duty cannot be carried forward to yourretired account and continue to be held in safekeeping.Dependency allotment - discretionaryNational Service, Veterans, Commercial or Navy/Marine Corps Mutual Aid Life Insurance - discretionary.Charitable contributions to Navy Relief Society.TRICARE Retiree Dental Program. Enrollment and disenrollment must be done through Delta Dental -discretionary.

c. Survivor Benefit Plan:

d. Payments to a Former Spouse

If you have a legally binding document (i.e. divorce decree) that states you are required to pay aspecific amount or percentage of your retirement pay to a former spouse:The former spouse must request it from DFAS, it is not automatic. www.dod.mil/dfas/money/garnishlists all the requirements, instructions, POC's and the form that may be downloaded.The 10 year rule applies in order for DFAS to distribute the payment. "Retired pay is subject to court-ordereddistribution to a spouse or former spouse where the parties were married to each other for at least 10 yearsduring which at least 10 years of creditable military service we performed." In other words, if the parties werenot married for at least 10 years/10 years of creditable military service then DFAS is not required to dis tributethe payment.The total amount payable cannot exceed 50% of the disposable retired pay.

e. Garnishments

In cases where there are both former spouse payments and garnishments, the total amount payablecannot exceed 65% if the disposable retired pay. www.dod.mil/dfas/money/garnish

f. Disability payments

Disability payments are issued by the VA and will be deducted from your retired pay by DFAS.Questions concerning this deduction should be directed to the VA at 1-800-827-1000.

4. Cost of Living Allowance for retired pay: dod.mil/dfas/money/retired/at_pay_dec04.pdf

The retired pay COLA for those who first became a member of a Uniformed Service before September 8, 1980, is specifiedaccording to the effective date of the active duty basic pay rate used to compute their retired pay as follows*.

*The adjustment specified by 1401a(c), calls for the adjustment to be based on the percent by which the price index for thenew base quarter (July-Sep 2002), exceeds the price index for the quarter, immediately preceding the calendar quarter inwhich the rates of monthly pay on which the retired pay is based became effective (The 2002 pay rates became effectiveJanuary 1, 2002 so the preceding quarter is Oct-Dec 2001). A decrease from an old base quarter (as in the case of Oct-Dec2001) is not included in the computed increase of a partial adjustment. Therefore, the above partial adjustment is limited tothe increase in the CPI-W from Jul-Sep 2001. In this case, it is equal to the full adjustment of 1.4%.

Retired Pay Based onRates of Pay Effective:

Before January 1, 2002January 1, 2002

Percent Increase :

1.4 percent

1.4 percent*

RETIRED/RETAINER PAY

52

*The adjustment specified by 1401a(c), calls for the adjustment to be based on the percent by which the price index for thenew base quarter (July-Sep 2002), exceeds the price index for the quarter, immediately preceding the calendar quarter inwhich the rates of monthly pay on which the retired pay is based became effective (The 2002 pay rates became effectiveJanuary 1, 2002 so the preceding quarter is Oct-Dec 2001). A decrease from an old base quarter (as in the case of Oct-Dec2001) is not included in the computed increase of a partial adjustment. Therefore, the above partial adjustment is limited tothe increase in the CPI-W from Jul-Sep 2001. In this case, it is equal to the full adjustment of 1.4%.

The retired pay COLA for those who first became a member of a Uniformed Service on or after September 8, 1980, isspecified according to the effective date of their retirement as follows:

5. Make sure DFAS has everything they need to start your retirement pay!

a. BUPERS and your local personnel office will send DFAS information letting them know you have an approvedretirement date.

b. You will need to fill out a DD Form 2656, Data for Payment of Retired Personnel and send to DFAS no later than45 days prior to your approved retirement date Fill form out COMPLETELY and fax to DFAS 1-800-469-6559. You mayalso mail the form to: DFAS P.O. Box 7130 London, KY 40742-7130. Call 1-800-321-1080 to verify receipt.The form can be dowloaded from http://www.dtic.mil/whs/directives/infomgt/forms/eforms/dd2656.pdf or you canget one from your personnel office or PSD.

6. Receiving your retired pay.

a. Your retired/retainer account will be balanced by DFAS at the end of the month following retirement.Approximately 30-45 days after retirement the final LES and W-2 will be mailed to the address reported on thedetaching endorsement.

b. The statement of retired/retainer pay should be received prior to the first payment. This will list retired pay and alldeductions and give the date of the first payment. For DDS this will also show name of bank and account number.

c. First payment (via direct deposit) will normally arrive on the first day of the month after your Fleet Reserve orRetirement date. For example: If your Fleet Reserve/Retirement date is 1 April, you will receive your first retired payon 1 May.

7. Making changes to your retired pay.

a. You can make changes to your retired pay account online at https://mypay.dfas.mil/or by callingRetired Pay Operations at 1-800-321-1080.

b. Changes you can make online: Address change, Change your DDS, Federal taxes and allotments; start, stop orchange. You cannot change state tax or beneficiary information online.

c. DON'T forget to keep your correspondence address updated. You will not receive your W-2 and other importantinformation if DFAS doesn't have the correct mailing address.

:

RETIRED/RETAINER PAYhttp://www.dod.mil/dfas/retiredpay.html

53

Retirees who first became a member of a uniformed service before September 8, 1980 and retiredJanuary 1, 2005 or after will receive a 3.4 percent COLA increase.

4.1% for those retiring before 1/1/053.4% for those retiring in the 1st quarter-FY20052.8% for those retiring in the 2nd quarter-FY20051.4% for those retiring in the 3rd quarter-FY20050% for those retiring in the 4th quarter-FY2005

SURVIVOR BENEFIT PLAN

www.npc.navy.mil/CommandSupport/CasualtyAssitance/www.npc.navy.mil/CommandSupport/RetiredActivities/

http://staynavytools.bol.navy.mil/retcalc

www.dod.mil/dfas/money/retired/ BUPERSINST 1750.11

Enrollment in SBP is one of the most difficult decisions a retiring member faces. Usually, life insurance or an investment planis considered as an alternative. Studies by unbiased experts conclude that, for all but a few exceptions, the level of benefitsprovided by SBP cannot be provided by any alternative program. The three basic advantages of SBP over alternatives are thenontaxability of the SBP premium, the protection against inflation, and a government subsidy of benefits of more than 40%.

PurposeRetired Pay stops upon the death of a retiree. SBP provides a portion of your retired income to your survivors.SPB is the only way the military services can provide a portion of their retired income to survivors. It provides55% of your base amount.

How it works:Member selects "Base Amount" and category of beneficiary. The cost and return varies depending on the typecoverage and amount of coverage.Spouse must concur, no power of attorney accepted. If spouse does not sign the form, automatic enrollment at fullamount of "spouse only" coverage.

When to apply:

DD Form2656 must be at DFAS at least 45 days before retirement date (including TDRL/PDRL) or transfer to fleetreserve. Service members with 20 years service will automatically be covered until they retire or transfer to fleetreserve.

Options:Spouse only Former spouse onlySpouse and children, Former spouse and childrenChildren only Insurable interest

Termination provisions:

SBP and SSBP elections are permanent and irrevocable, except:

Between the anniversary of the 2nd year of coverage and the anniversary of the 3rd year of coverage, amember can terminate SBP

Will require Spouse concurrence for Spouse SBPCannot be a part of court order for Former Spouse SBPNo refund for previously paid payments Cannot restart at a later date

Decision considerations:Needs: Survivor's income needsHealth: Both member and spouseSpouse's employment:

Spouse's ability to earn adequate incomeBoth healthy and disabled

Family Mortality History:Life spans tend to be hereditaryConsider both member and spouse parents and grandparents

Investments:Other insuranceSavings plans already in place

54

SURVIVOR BENEFIT PLAN

Your Career Counselor and local Retired Activities Office (RAO) are excellent resources for SBP information.There are several publications that will help you make an educated decision concerning SBP:-The Simple Facts (NAVPERS 15617B). Available through your Career Counselor or may be downloaded fromhttp://www.npc.navy.mil/CommandSupport/CasualtyAssistance/ and then follow link to PERS-622.-Navy Guide for Retired Personnel and their Families (NAVPERS 15891G). Available through your Career Counselor.-Preparing for Your Military Retirement (DFAS-CL 1352.2-PH). www.dod.mil/dfas May be downloaded from www.defenselink.mil/dfas/money/retired/sbg.htm.-The Survivor Benefits Plan instruction (BUPERSINST 1750.11) may be downloaded from www.npc.navy.mil andthen follow link to Reference Library and then Instructions.

55

DATA FOR PAYMENT OF RETIRED PERSONNEL(Please read Instructions and Privacy Act Statement before completing form.)

SECTION I - PAY IDENTIFICATION

1. NAME (LAST, First, Middle Initial) 2. 3.TRANSFER DATE(YYYYMMDD)

5. DATE OFBIRTH(YYYYMMDD)

4. RANK/PAY GRADE/BRANCH OF SERVICE

7. ROUTING NUMBER (See Instructions) 8. ACCOUNT (Savings (S) or

Checking (C))9. NUMBER (See Instructions)

10. FINANCIAL INSTITUTION

a. NAME b. c. CITY d. STATE e. ZIP CODE

6. CORRESPONDENCE ADDRESS (Ensure DFAS - Cleveland Center is advised whenever your correspondence address changes.)a. STREET (Include apartment number) b. c. STATE d. CODE e. TELEPHONE (Incl. area code)

SECTION III - SEPARATION PAYMENT INFORMATION

11. Complete if you have received any one of the payment types listed in 11.a.a. DID YOU RECEIVE SEVERANCE PAY (SE), READJUSTMENT PAY (RP), SEPARATION PAY (SP),

VOLUNTARY SEPARATION INCENTIVE (VSI), OR SPECIAL SEPARATION BONUS (SSB)? (Xone.a copy of the orders which authorizedthe payment, anda copy ofthe DDForm 214.)

b. c. GROSS AMOUNT

YES NO

SECTION IV - MEMBER OF THE RESERVE COMPONENT

12. Complete only if a member or former member of the reserve component not on active duty retiring at age 60.

a. DO YOU RECEIVE OR WERE YOU RECEIVING ON THE DATE OF RETIREMENTANY VA COMPENSATION FOR DISABILITY? (X one)

b. OF PAYMENT

(YYYYMMDD)

c. MONTHLY AMOUNT OF

PAYMENT

YES NO

SECTION V - DESIGNATION OF BENEFICIARIES FOR UNPAID RETIRED PAY (See INSTRUCTIONS)

13. Mark (X) option a. or b. and complete as applicable. (Continue in Section X, "Remarks," if necessary.)

b. OF BENEFICIARIESa. LEGAL ORDER OF PRECEDENCE

c. NAME (Last, First, Middle Initial) e. ADDRESS (Street, City, State, ZIP Code) f. RELATIONSHIP g.

%%%%%

SECTION VI - FEDERAL INCOME TAX WITHHOLDING INFORMATION (Submit information in Items 14 - 17 in lieu of IRS Form W-4 for tax purposes.)

14. MARITAL STATUS (X one)

SINGLE MARRIED

MARRIED BUT WITHHOLD ATHIGHER SINGLE RATE

15. TOTAL NUMBEROF EXEMPTIONSCLAIMED

16. ADDITIONALWITHHOLDING

(Optional)

17. I CLAIM EXEMPTIONFROM WITHHOLDING(Enter "EXEMPT")

18. ARE YOU A UNITEDSTATES CITIZEN?(X one)

YES

NO (See Instructions)

SECTION VII - VOLUNTARY STATE TAX WITHHOLDING INFORMATION

19. STATE DESIG -NATED TORECEIVE TAX

20. REQUESTEDMONTHLY AMOUNT(Not less than $10.00)

21. RESIDENCE ADDRESS (If different from address listed in Item 6)

a. STREET (Include apartment number) b. c. STATE d. CODE

SECTION VIII - DEPENDENCY INFORMATION (This section must be completed regardless of SBP Election.)

22. SPOUSEa. NAME (Last, First, Middle Initial) b. c. DATE OF BIRTH

(YYYYMMDD)

23. DATE OFMARRIAGE(YYYYMMDD)

24. PLACE OF MARRIAGE(See Instructions)

25. DEPENDENT CHILDREN (Indicate which child(ren) resulted from marriage to former spouse by entering (FS) after relationship in column d.Continue in Section X, "Remarks," if necessary.)

a. NAME (Last, First, Middle Initial)b. OF BIRTH

(YYYYMMDD) c. SSN d. (Son, daughter,stepson, etc.)

e. DISABLED?

(Yes/No)

SECTION II - DIRECT DEPOSIT/ELECTRONIC FUND TRANSFER (DD/EFT) INFORMATION (See Instructions)

.00

d.

SSN RETIREMENT/

TYPE OF ACCOUNT

STREET ADDRESS

CITY ZIP

If "Yes," attach

TYPE OF PAYMENT

EFFECTIVE DATE

DESIGNATION

SHARE

CITY ZIP

SSN

DATE RELATIONSHIP

SSN

DD FORM 2656, SEP 2001 56

SECTION IX - SURVIVOR BENEFIT PLAN (SBP) ELECTION (See your Survivor Benefit Plan counselor before making an election.)

26. BENEFICIARY CATEGORY(IES) (X only one item) (See Instructions and Section XII.)

e. ELECT COVERAGE FOR MY FORMER SPOUSE (See Instructions and complete DD 2656-1, "Survivor Benefit Plan (SBP) Election Statement forFormer Spouse Coverage").

f. ELECT COVERAGE FOR MY FORMER SPOUSE AND DEPENDENT CHILD(REN) OF THAT MARRIAGE (See Instructions and complete DD 2656-1,"Survivor Benefit Plan (SBP) Election Statement for Former Spouse Coverage").

27. LEVEL OF COVERAGE (X one. Complete UNLESS 26.d. or 26.g. was selected above.

a. I ELECT COVERAGE TO BE BASED ON FULL GROSS PAY WITHOUT SUPPLEMENTAL SBP.

b. ELECT COVERAGE WITH A REDUCED BASE AMOUNT OF $

d. I ELECT COVERAGE BASED ON FULL GROSS PAY PLUS SUPPLEMENTAL COVERAGE OF: (X one)

(See Instructions).

5% 10% 15% 20%

BY ELECTING SUPPLEMENTAL COVERAGE, I UNDERSTAND THAT I WAIVE MY BENEFICIARY'S RIGHT TO USE THE SOCIAL SECURITY OFFSET METHOD OFCOMPUTING THE SURVIVOR BENEFIT PLAN ANNUITY AT AGE 62 AND OLDER (See Instructions).

28. INSURABLE INTEREST BENEFICIARY

a. NAME (Last, First, Middle Initial) b. c. RELATIONSHIP d. OF BIRTH (YYYYMMDD)

e. STREET ADDRESS (Include apartment number) f. g. h. CODE

SECTION X - REMARKS

30. SPOUSE.I hereby concur with the Survivor Benefit Plan election made by my spouse. I have received information that explains the options available

and the effects of those options. pay stops on the day the retiree dies. of my free will.

a. SIGNATURE b. SIGNED (YYYYMMDD)

31.a. WITNESS NAME (Last, First, Middle Initial) c. DATE SIGNED (YYYYMMDD)

d. (Include apartment number) e. CITY f. g. CODE

SECTION XI - SBP SPOUSE CONCURRENCE (Required when member is married and elects child(ren) only coverage, does not elect full spouse coverage, or declinescoverage. MUST NOT SIGN this statement before the member makes the SBP election and signs the form.)

32. MEMBER.Under penalties of perjury, I certify that the number of withholding exemptions claimed does not exceed the number to which I am entitled,

and that all statements on this form are made with full knowledge of the penalties for making false statements (18 U.S. Code 287 and 1001 provide for a penaltyof not more than $10,000 fine, or 5 years in prison, or both).

Also, I have been counseled that I can terminate SBP participation, with my spouse's written concurrence, within one year after the secondanniversary of commencement of retired pay. future participation is barred.

a. SIGNATURE b. SIGNED (YYYYMMDD)

33.a. WITNESS NAME (Last, First, Middle Initial) c. DATE SIGNED (YYYYMMDD)

d. (Include apartment number) e. CITY f. g. CODE

SECTION XII - CERTIFICATION

a. I ELECT COVERAGE FOR SPOUSE ONLY. (X) DO DO NOT HAVE DEPENDENT CHILD(REN).

b. ELECT COVERAGE FOR SPOUSE AND CHILD(REN).

c. ELECT COVERAGE FOR CHILD(REN) ONLY. (X) DO DO NOT HAVE A SPOUSE.

d. ELECT COVERAGE FOR THE PERSON NAMED IN ITEM 28 WHO HAS AN INSURABLE INTEREST IN ME (See Instructions).

g. TO PARTICIPATE IN SBP. (X) DO DO NOT HAVE ELIGIBLE DEPENDENTS UNDER THE PLAN.

29. Use this section to continue an item or make additional comments. Attach separate sheets if more space is needed.

b.

b.

c. I ELECT COVERAGE BASED ON THE THRESHOLD AMOUNT IN EFFECT ON THE DATE OF RETIREMENT.

I

I

See Instructions.)

I

SSN DATE

CITY STATE ZIP

I know that retired I have signed this statement

DATE

STREET ADDRESS STATE ZIP

The spouse

However, if I exercise my option to terminate the SBP,

DATE

STREET ADDRESS STATE ZIP

I

I

I I

I

I ELECT NOT I

SIGNATURE

SIGNATURE

DD FORM 2656 (BACK), SEP 2001 57

SOCIAL SECURITY BENEFITS

1-800-772-1213www.ssa.gov

1. Contact the Social Security Administration to request a Personal Earnings and Benefits (PEBS) Statement and to identifyyour benefits. Be sure to verify your statement. Take action now to correct any errors!

2. The following publications can be ordered to assist in a comprehensive understanding of benefits.

SOCIAL SECURITY - SSA Publication No. 05-10024

RETIREMENT - SSA Publication No. 05-10035

DISABILITY - SSA Publication No. 05-10029

SURVIVORS - SSA Publication No. 05-10084

3. Social Security benefits must be applied for and benefits are not usually paid retroactively for more then 12 months.

4. When you turn 65, your military Champus/Tricare medical benefit is replaced by Medicare. SSA has publications to helpyou understand Medicare.

Your Medicare Handbook - SSA Publication No. HCFA-10050

Guide to Health Insurance for People with Medicare - SSA Publication No. HCFA-02110

58

RETIRED ACTIVITIES OFFICES

The mission of the Retired Activities Office (RAO) is to provide assistance to retirees, surviving spouses, active duty personnelcontemplating retirement, and family members. They offer assistance to Navy/Marine Corps retirees and their families aswell as those from all other branches of the military including retired reserves. They provide direct assistance, counseling, andcurrent information on retiree related matters, or in many cases, find an agency or resource to resolve a retiree's problem.

All RAO's are staffed by volunteers. Services are based on the size and location but most offices provide:

Survivor's Benefit Plan Counseling.Casualty Assistance to Survivors.Provide information on new programs and benefits.Provide Information On Programs, Rights, And Benefits.Provide assistance to resolve conflicts between retirees and various government agencies.Find resources to resolve retiree questions/concerns outside our expertise/purview. Providelocation/addresses and phone numbers of various federal/state/local agencies or officialsConduct An Annual Retiree Seminar.

NAVY RAO: http://www.npc.navy.mil/CommandSupport/RetiredActivities

59

ARMED FORCES RETIREMENT HOME

www.afrh.com

1. The Armed Forces Retirement Home currently operates out of Washington D.C..

2. You may be eligible to become a resident of the AFRH if at least 50 percent of your active duty service was enlisted service,you were discharged or released from service in the Armed Forces under honorable conditions, and you fall into one of thefollowing categories:

a retiree with 20 or more years of active-duty service, are at least 60 years of age.a veteran unable to earn a livelihood due to service-connected disability incurred in the line of duty inthe Armed Forces.

a veteran who served in a war theater during a time of war declared by Congress or were eligible for hostile firepay and the Retirement Home Board determines the retiree to be incapable of earning a livelihood because ofinjuries, disease, or disability. served in a women's component of the Armed Forces prior to 1948.

3. The Armed Forces Retirement Home (AFRH) operates on the proceeds from a trust fund that is fed by active duty fines andforfeitures, monthly pay deduction assessed against all active duty enlisted personnel, and monthly fees paid by residents.The AFRH seeks additional sources of gifts and contributions from outside parties, including charitable allotments. If youwould like to help the AFRH, complete an allotment form and send it to DFAS-CL.

4. If you are interested in obtaining more information about the AFRH, contact:

Armed Forces Retirement Home3700 North Capital Street N.W.Washington D.C. 20011-8400or http://www.afrh.gov.

60

NOTES:

61

NOTES:

62