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 When will I receive my 20 year letter?

 
Once a Soldier earns 20 years of qualified service, the Notice of Eligibility (20 year letter) will be put into iPERMS. The unit Readiness NCO or S-1 will provide a copy of the Notice of Eligibility with a retirement packet to the Soldiers immediately upon its arrival.
 

 What is a Retirement Packet?

 
The Notice of Eligibility (20 year letter) will need additional retirement information that makes up a retirement packet. The retirement packet contains the Reserve Component Survivor Benefit Plan Election Form, DD Form 2656-5. This form must be completed within 90 days of your 20 year letter being iPERM'd. The retirement packet contains additional information such as how to convert SGLI to VGLI, Tricare for Retired Reserves, and My Army Benefits.
 

 What is the Reserve Component Survivor Benefit Plan (RC-SBP)?

 

The Reserve Component Survivor Benefit Plan (RC-SBP) is designed to provide you, a retirement-qualified reserve component Soldier, an opportunity to provide a guaranteed lifetime annuity for your survivor(s) in the event of your death. The annuity is based upon the retired pay you earned. Your retired pay cannot be continued after your death: only you have 20 qualifying years of service, you have three options for enrollment, and you may designate to whom you desire to annuity be paid to.

Option A: Decline coverage (Soldier remains eligible for the standard SBP coverage at age 60). Spouse must agree to decline coverage. Choosing option A must include the spouses’ notarized signature.
Option B: Elect to provide the Soldier's eligible survivor with an annuity at what would have been the Soldier’s 60th birthday.
Option C: Elect to provide the Soldier's eligible survivor with an annuity the day following the date of the Soldier's death, regardless of the Soldier's age at the time of death.
Reserve Component Soldiers who fail to decline coverage using Option A will receive automatic coverage under Option C.
 

 RC-SBP Responsibilities of Unit and Soldier

 

The unit will provide the Soldier's administrative assistance to ensure the DD Form 2656-5 (Reserve Component Survivor Benefit Plan) is completed correctly.

The Soldier will be allowed 90 days to complete and return the DD Form 2656-5. Return the DD Form 2656-5 in the pre-addressed envelope that was provided with the Retirement Packet to ensure it is received by the Retirement Section for processing.
The unit will counsel the Soldier regarding responsibilities for ensuring all signatures on the forms being submitted are original. In addition, explain the following options for Survivor Benefits Plan to the Soldier.
Option A - I decline to make an election at this time (I will remain eligible to make an election for coverage at age 60). This means that if the Soldier dies before age 60, all benefits are lost. Spouse’s notarized signature is required to decline election.
Option B – I elect to provide an immediate annuity beginning on the 60th anniversary of my birthday should I die before that date, or on the day after date of death should I die on or after my 60th birthday. This means that benefits are not payable until the Soldier would have turned 60. Spouse signature and notary is required.
Option C – I elect to provide an immediate annuity beginning the day after my death, whether before or after age 60. This means benefits are payable the day after death no matter what age the Soldier is at the time of his/her death. Spouse’s signature and notary are not required.
 

 How to apply to be transferred to the Retired Reserve?

 

When you are ready to leave National Guard Service, after 20 qualifying years of service for retired pay you must complete a DA Form 4187 with an effective date. The Da Form 4187 is your official request to be placed into the Retired Reserve.

Submit your DA Form 4187, request to be transferred to the Retired Reserve along with a copy of your 20 year letter and current RPAS statement throught your chain of command to the Retirement Section.

Your request should be submitted at least 120 days prior to the requested effective date.

You are required to out-process through your unit, turn in your OCIE, uniforms, and any other equipment. Failing to turn in government property will result in the unit initiating a Financial Liability Investigation of Property Loss (FLIPL).

When you are transferred to the Retired Reserve, you are no longer a member of the National Guard. However, we will still assist you with your retirement needs.

Complete a Request Retired Reserve (DA 4187).pdf with the effective date you are requesting to transfer to the Retired Reserve.

 

 What if I held a higher rank than I currently hold?

 
If you previously held the rank of Command Sergeant Major or First Sergeant you must include a DA form 4187 requesting to be retired at the highest grade held with your request to be transferred to the Retired Reserves.
If you converted from Officer to Enlisted or Officer to Warrant Officer you may be entitled to retire at the highest grade held. Include a DA Form 4187, requesting to be retired at the highest grade held with your request to be transferred to the Retired Reserves.
If you previously held a higher grade and took an administrative reduction you may be eligible to retire at the highest grade held. Submit a DA Form 4187 requesting to be retired at the highest grade held with your request to be transferred to the Retired Reserves.
Administrative reduction does not apply to Soldiers who were reduced due to misconduct, such as an Article 15 or reduction board.
 

 How much pay will I recieve?

 
To estimate your retired pay go to the HRC Reserve Retirement Section, then select “Calculate Retired Pay Application". A link to HRC Reserve Retirement Section can be found below.
 

 Additional Resources