Early Retirement a Good Deal? Not So Much

April 02, 2013 | Terry Howell

In an effort to meet the required heavy reduction in forces, Congress has given the DoD the authority to reinstitute Temporary Early Retirement Authority — better known as “15-year retirement.” However, Military.com recently reported that taking the TERA package could mean a loss of hundreds of thousands dollars in retirement benefits.

How it Would Work
Under the proposed TERA, DoD would factor the retirement rate as follows:
15 (Years of Service) x 2.5 (the traditional retirement factor) x 0.95 (TERA penalty) = 35.625 percent retirement factor. Note that the .95 penalty applies to those who choose to retire with less than 20 years.

So a servicemember who chooses to retire with 15 years of service will receive a little more than 35 percent of his or her basic pay over the lifetime of  their retirement. This is about 14 percent less than those who get the 50 percent for serving the full 20 years.

Past TERA recipients found that taking the option to leave at 15 years initially impacted their eligibility for certain benefits like Concurrent Receipt (CRDP) and Combat Related Special Compensation (CRSC). Thankfully TERA recipients were eventually given eligibility for these benefits, but it was an afterthought.

Although the services haven’t started offering early retirements, defense analysts expect the Army and Marine Corps will have to offer TERA to meet the drastic troop reductions required by the 2012 National Defense Act and looming future defense budget cuts.

There are several variables to consider when deciding to take the early retirement offer and troops shouldn’t dismiss the early retirements out of hand. Servicemembers need to keep these calculations in mind when considering taking the early out. But military personnel benefits experts warned there are more variables to consider and that troops shouldn’t dismiss the early retirements out of hand.

Read the full article on Military.com

About Terry Howell

Before becoming the Managing Editor for Military.com, Terry served 20 years in the U.S. Coast Guard as an Aviation Electrician’s Mate and aircrewman. In his final role in the Coast Guard, Terry served as a Career Development Advisor, where he provided career, finance, education, and benefits counseling to servicemembers and their families. Since retiring from the Coast Guard, Terry has authored the book, The Military Advantage, managed the content for TurboTap, the DoD's online transition program and VAforVets, the VA's transition assistance website. Terry earned both his Bachelor's and MBA at Corban University using Military Tuition Assistance and his GI Bill benefits to help cover the cost.

Comments

  1. SSG Hofmann Retired says:

    My claim is 2-3 years ongoing takes way to long

  2. This analysis is useful, but incomplete if one does not factor into follow career earning potential. In some cases, an electrical or systems engineer for example, might see greater earning potential and a longer followon career time horizon which could translate into making up the difference if not exceeding it altogether.

  3. Thought it was -1% per year from 20? So 15 yrs would be a 45% benefit?

    • Bascially 2.5% for every year served

    • I was there in the early 90s. Ugly time it was. They gave you 2.5% of base pay for each year served, but took off a percentage point for each year under 20. A 15 year retirement would have given you 32.5%. (2.5% x 15 years = 37.5%, less 5 for 5 years under 20 is 32.5%)

      They also had a provision to restore the 5% for each year of "public service" performed by the member after leaving the service. Been a while, so I don't recall what qualified as "public service."

    • they change it too 32.5

  4. Any idea whether this 15-year early retirement will be offered to members of the Reserve and NG?

    • Probably never. The strategy is have a smaller active force and rely MORE on guard and reserve.

  5. If you have skills that are needed in the outside world it is definately an advantage to get out as soon as they will let you. Your pay should be higher and if you are happy with TRICARE then you never have to deal with health insurace payments when you join a company.

  6. I took the TERA in 1994 and can say with out hesitation that it was the best thing I ever did. I wasn't ever gonna make chief and then they did away with BT's and there was no way a real BT was gonna become a mm or gs so I got the hell out and haven't missed the Navy a bit!

    • Bad move JD. I wasn't eligible for TERA when it came out. I made BTC in 1994. I retired in Nov 2011 as a MMCM. Atthe end of the day, we did the same work. No I have never been in A-Gang or O2N2. The best I got was the Oil Lab for 3 months. I was Burnerman, Checkman, BT L/L, BCO, BTOW, Space Supervisor (combined plants) and then EOOWx4. I am glad you thin it was good for you. I am always glad for a Snipe to win. The difference is these Sailors are not requesting to get out. You had an option -they don't. There are fewer steam ships around than in 94. Their chances of making CPO is less. The economy is worst now than 94. Bottom line, at the end of the day – the 20 year retirement for Sailors that are getting fired looks awful good today. Good luck and continue to steam hard.

    • JD
      I think it was an excellent move. I took it in '95 with 18 years of service. 3 months later I was hired as a Navy civilian instructor. Not only did my salary overshadow my military pay, but I had the pension and medical benefits as cream on the side. I still get to fly out to ships and sail, but now only for a couple of days or weeks, if I choose. My 6 month deployments are over, but I still get to sail and visit the ocean. Funny being out on a ship in civilian clothes though.

  7. This story doesn't take into consideration that the 15 year retiree could land himself a good job and more than make up the difference in lost military retirement. A Pentagon pay study was done in the late '80 to try to enhance military pilot retention. Well the result showed that an officer could leave the military at 19 years, w.o. any military retirement and if he got on with a good airline, he would be better off financially in the end. Needless to say, that study didn't see the light of day.

    • idiots.... says:

      That study has seen the light of day and is no longer relevant. First of all, your argument requires a big IF… IF they got on with a good airline.
      That and commercial pilots don't make what they use too with all the bankruptcies and mergers…. try to keep up

    • That study might have reached those conclusions, but ask any one of the thousands of United or American pilots who lost nearly their entire retirement to bankruptcy filings how valid that study actually was. Comparing a trained officer pilot with an ATR to a lesser educated E-6 is meaningless.

    • @Holly, the only idiot here is you, sweetheart…reading more into comments and getting defensive. You do what’s right for your hh. FYI, we’re currently expecting #2, and I’m still up getting ready for work. I still cook all our meals from scratch, do the housework, and my 18 mo old can speak and sign, so looks to me rather than being the half-*** you claim, I simply do double duty. News flash, I’m not the first or the only. My grandmother worked multiple jobs with 12 kids who are ALL successful, so please save your drama for someone who’s a bit more naive. I know a SAHM who works her behind off with 4 well-rounded kids and multiple activities. I also know plenty who sit and wait for their hubbies to get a raise while complaining about the pay and doing nothing extra to help out. I know taking care of kids is hard work…so is doing it while working. So what makes us mil spouses so special that we feel so entitled to more, more, more while general Americans are struggling every day with dual working parents bc they don’t have a choice?! I make no apologies for having parents who raised me to understand there’s no such thing as a free lunch. And as a product of an army dad and working mom with two kids who both went to college, myself on a full academic scholarship…who both made wise choices in life and work hard not just for ourselves but to give back, I’d say your argument is severely flawed. But beyond that, my point is not to drive a wedge between working/SAH moms… the point is to acknowledge where we are as a country and either proactively help to rectify our issues or stop complaining…& to stop using mil spouse as an excuse not to work. If you or anyone wants to be a SAHM, more power to you…I’ve seen some do it honorably. But I don’t feel any entitlements as a mil spouse…my husband puts on that uniform every day and busts his behind for menial pay. I support him and our troops, and whatever I can do to put back into a broken system so that they can possibly benefit, that’s what I need to do. If you’re doing all you can, then we’re fighting together. If you’re getting defensive bc you’re not, that’s not my issue.

  8. Erwin Jones says:

    I think what is shameful is that people who volunteer to serve our country think that SO MUCH is owed them. Please! I am former military and have been a civil servant for 20 years+. All the talk about the sacrifices service members make and most of them do not spend any time at the "front" but are located well back behind the lines, getting schooled (tax dollars)/ having terrific health/pay benefits/etc. (tax dollars), coasting at work, BAH, and yet they have become the most vocal bunch of whiners about pay cutbacks. Look around and see what the other Americans you vowed/swore to protect are doing financially. Tough times for everyone! Help your country by being thankful for what you are getting and be willing to sacrifice out of your pocketbook like the rest of us.

    • How long did you serve in the military.And why did you get out to work as a civil servant. .

    • SFC Jansin Ret says:

      what is shameful is the ones that have not experienced combat can make baseless comments about what is and is not owed to them. There are also veterans that did not originally "volunteer" to serve that were drafted who made sacrifices for their country. I can tell from your comment that you have not felt the effects of living a life being ravaged by the effects of war. I belive every dollar, and every benefit I have received has been well earned. I can agree there might be others that have not experienced combat but with so many of the younger soldiers now having to do tour after tour in a combat zone it is becoming the minority instead of the majority. There is more sacrifice than financial means that "COMBAT VETERANS" have to endure for the rest of their life.

      • I agree with you SFC Jansin. It is more than a financial thing.
        Mr. Jones You know what I think of YOU.. :-(( Don't think he was in long enough to figure it out. So, he is just talking out of his…..:-((((

      • Amen I agree

      • Fuck you shit bag you were probably that one who sat behind the desk as for me I've been on the front to many times for a country that is corrupted and selfish self centered, over weight society who cares more about what benifits them but yet we are dying for people like that and this is the society that we protect for those so called benifits and pay we recieve as I see it the shit isn't worth the sacrifice. Yeah those so called Americans we protect like the corrupted government official that are always fucking people over for their owen personal gain.

      • AMEN to that

    • U must not of retired no matter where they served it was a sacrifice, not at home u just can not go to the 7/11 when ever u want no family. Ever one that served and retired should be tax free. u only have one life to give, and I put it out there, yes i was lucky I made it. but know a lot that did not!

    • Retired MSG says:

      Spoken like a true envious DOD Civilian who can never get fired no matter how worthless he is! Excellent health benefits? You know it is exactly the same as Medicare, right? You know that fewer and fewer PCM's accept military patients unless at an MTF, right? Why are you reading and replying to this while you are at work Mr. Civil Servant?

      • AMEN

      • retiree says:

        No it is NOT the same as Medicare, and it is better than what Federal Civil Servants have (FEHBP).

        From the end of Vietnam to 9/11, most serving did NOT see ANY combat (that includes Desert Storm.

        • If the patient is not seen at a military base, then it is essentially the same as a HMO. At the age of 65, it's exactly like medicare.

    • SCPO(SS) john says:

      Hey Erwin, I hate to hear a grown man cry!
      I don't know what you did in the Military, but you sound like a typical civil servant who's worried the Military may take something from your benefits!
      So, let me ask you "What do you want to be when you grow up"?

    • First you forget that what these soldiers are asking for is not extra, it is what they contracted for when they joined the military. My retirement was an integral part of what the government PROMISED me if i did my twenty. As a civil service 'employee' and i use that term very loosely as we all know that civil service is nothing more than the home to those who cant make it in a real job, you would cry a river if the government threatened to cut your benefits. Look up whiner in the dictionary and its defined as a civil servant. Go flush your head and think before spouting off.

    • Full jealousy and crap, you are, you obviously did not spend more than a year or two in the service and have no idea what its like to spend a career and try to get out and play catch up financials, much less get a decent job, start buying a house, et…..remember that even at 20 years of service moving (me 17 times) one only draws 50% og BASE Pay, do the math its only about 30% of total pay….so much for 50% retirement, while most federal and state employees draw 60% or more of pay, what planet are you from, you know nothing of sacrifice.

    • Retired Chief says:

      As a retired Navy Chief, I have plenty of experience with people of your calibre. You identified yourself as being "former military" but the way you are carrying on I really have doubts that you served at all. REAL members of the military make tremendous sacrifices and doing it for 15 plus years does entitle them to "whine" about getting cuts in pay and benifits! Civil servant…Do you know what that makes you? MY employee! Why don't you retire and free up a job for someone else? Oh and while you're at it, give up 2/3 of your retirement package and then see what it feels like. I'm sure that as a "Public Servant" you are holding a redundant job so you probably won't even be missed. That is one thing I can't stand a person who thinks that our men and women in uniform don't deserve to get what they signed up for!

      • AF Colonel says:

        Amen Chief. I couldn't have said it better. Comments like that from someone claiming to be "Former" military vs. "Retired" military gives his comments all the credibility they deserve…none. Mr. Jones is obviously a bitter civil servant who is well past his expiration date for being productive, and he's merely collecting a paycheck to bitch and complain about everyone else. We both know the type. Pathetic.

      • Our men and women deserve it all. I hate when people say because they weren't on front line. well just going over to a foreign country is risking your life. Thank you so much for your service to our country and you statement is completely accurate. God Bless You

        • You are so right. Men and women who have served in the military deserve it all plus more. I pray for all of them all the time in service and the ones who are out of the service now. I have lots of family who have been and are in the service of our country. Some people are just stupid and they should be sorry for saying these things. God Bless all of our service men and women who are serving now and who have served in the past.

      • spn prncss says:

        AMEN Chief!!!!

    • sergeantrecon says:

      This does not surprise me at all coming from a civil service employee. I have worked with plenty of civil service employees to know just how worthless most of them are. For example, Naval Air station Jacksonville has a civil service union that each and every civil service employee can go cry too when the uniformed service Commanding officer makes a command decision. These civil service employees cry over the most ridiculous crap such as who has a better cubicle than who and why did he or she get the better office chair? I have personally witnessed the sarcastic comments emanating from the foul mouths of civil service employees when they are asked to leave the office and line the street of York Town Boulevard in honor of a dead Sailor, Marine, Airman Soldier flown in from overseas to their final resting place in the greater Jacksonville Florida area. The comments are such as "Why do I have to stand out here in the hot humidity because some jackass volunteered to go kill themselves?" That is what I heard and I was in uniform on active duty at the time. Nothing I could do or say because the civil service can bring heat down on your ass if you even attempt to put them in their place.

      • spn prncss says:

        That is the most disrespectful thing Ive heard! Some people are so ungrateful! Should it be their children, sister, brother, father, mother, or some close family member, I bet you their @$$'$ will be out there standing in the hot summer heat, ever so proud being related to them.

    • Mr. Jones (PT 1),
      You may be right on some military members because I have seen them. However, I have seen more of the opposite. As a retired MCPO w/ 30 years of active duty (day per day), there is a lot you forget. Marines, Sailors, Airmen, Army and Coasties just don't show up to the fight. Many days away from base preparing for the call of duty is required. I am in Lisbon Portugal on business and the USS xxxx is here and they have been gone for 10 months from home. Before the mission is 8-9 months of getting ready for the mission. Getting ready is not done in the Exchange, PX or sitting in class studying History or English. It is done away from home (sea duty, in the field). Additionally, prior to this event is the dreadful shipyard repair period. It usually goes for 10-11 months with major inspection inter-woven (INSURV, LOA and Training Cycle Requirements) at such a level that Commanding Officer, Admiral and numerous other leadership have lost their career over (I don’t think you guys have that issue on an annual basis).

    • TSgt Bourland says:

      Mr Jones. I do not think you were ever a member of the armed forces.
      Jerk!

    • If you have been a civil servant for 20 years + that means you served in the military when really nothing was going on! I have been deployed away from my wife and daughter 3 times in the past 7 years. I think everything I get I have earned! By your comment above you are the one hiding behind a desk where it is safe while the hero's are out keeping you free so you can stick your big foot in your mouth!!!

    • Seriously? Whiners? Sir, I will not attack you personally because that would be immature and not serve to make my point. I don't know when you retired, but if it was before 9/11 or after the Vietnam War then you can't begin to understand what those of us who have served the last 11+ years since have had to endure both physically and emotionally. The bottom line is this, just using me as an example, a combat veteran with just 5 deployments to both Afghanistan and Iraq. I have friends who have as many as 7 or 8. I have been in firefights, I have been present when comrades have been blown up in IED attacks and I have had my own vehicle riddled with gunfire to the point that it had to be towed back to our compound. I have lost more friends than I care to mention and I personally endure the effects of PTSD. With all that said, I am proud to be an American Combat Veteran and I assure you that the majority of Americans are grateful that people like me sacrificed in order to protect America and our security interests and most of them will be willing to sacrifice a little more to ensure that we get what we deserve in benefits and entitlements because they understand that OUR sacrifice has been much greater than the majority of non-military and DoD Americans over the last 11 years. Yes, the economy is in shambles, but I don't believe you would be willing to trade places with me or any of my comrades and leave your desk, home and family for months at time in order to receive our, "…terrific health/pay benefits/etc. (tax dollars), even if I was in a non-combat position, which I am not. Sir you are ignorant. So, maybe our benefits are a little better than those of you in the civilian world and our salaries are generated with tax dollars, but we still pay taxes and we DO sacrifice a lot more than you do in order to keep America safe.

      • Richard Thompson says:

        Thank you for your service. Please don't take what Mr. Jones said as typical for what the average american thinks of you. Unlike Mr. Jones, I am very grateful that you and so many others have sacrificed so much so my family can sleep safely and peacefully at night.

      • I agree with you Malik, this man does not understand. My husband was a marine for 8yrs and has been in the army guard for 9yrs. He was deployed to Iraq in 2006. He was gone for 18 months because of training and the deployment. When he returned he was different and still has issues. I do not believe that the benefits are that good at all and that needs to change. There is no whinning going on, it is asking for what has been worked hard for. Give our soldiers and their families what they deserve. They give up a lot for the freedom that many people enjoy. The soldiers and their families give a lot for many people and they get very little in return.

    • Jerry Ellis says:

      Look at you, pompass ass. Obviously you never had to be away from your family for any amount of time and on the money the military gets. It doesn't matter if you have a child ready to enter the world or one about to graduate, you are required to go where ever, when ever at some politicians whem. I'm proud of our young men and women and they deserve alot more than they get now. Be glad we have people that volunteer for service, because I would be scared to go in harms way with you my friend. I do pitty you.

    • Mr Former Military as we just closing down another war, I strongly disagree with your thinking that we are not on the front lines. you stated (terrific health/pay benefits) Agree depending on where you are. Remember that we are not aloud to sue our Doctors for the services that is provide. Second you stated (coasting at work) that is a matter of opinion, one could say the same for you. But remember we get call away and be on the front line. Third you stated (BAH) Which is Basic Housing Allowance since we don't have a say on where we live. We are given a allowance for it.
      Now Those are only while on Active Duty, Now Retire and Disable and bound to a chair, waking up every night in pain and going through my day with the painful reminder of the cost it take to provide you the freedom to complain. So pardon me if I feel that I desire my retirement.

    • CW4 Retired says:

      If you have been in the civil service for 20+ then you were not in during a time of war. So you need not talk to loud. I have been retired for 10 years and only went through the first desert war, which wasn't much of a war. Panama, Grenada, and Somila do not add up to anything of todays war. I can not imagine what these young kids of today are going through.

      Weather it's time on "the front" or in the desert, Korea, Egypt, or any number of places we send them they deserve the best when they come home. We didn't have to ask them to join us, they came of their own free will.

      Have some respect idiot.

    • We serve to protect your rights and freedom of speech to say the stupidity that you do, but we have the right to punch you in the fuckin mouth if we disagree or feel as though our brothers in arms are being disrespected by bottom feeding, oxygen thieves like yourself.

    • Im at the 19 year mark and worried that my health may not make the grade for the next year. Im pushing though. There are some days that I would welcome an early retirement but Id be as stupid as you are if I didn't concider the downfall of the action. You must be in that party that always claims to want to support the military then backstabs all the veterans.

    • haters shhhhhh

    • Somewhere along the lines of serving in the military and earning a ridiculous civil service paycheck you have forgotten about the struggles of military members who aren`t as blessed as you. While you pension is secure and you have a government job and probably utilized you full GI Bill amount, Congress has taken more benefits away from us at a startling rate; matter of fact everytime the country wants to save money they attack our benefits First. Let`s say Congress take a paycut, GS-13-SES have their salaries capped @90$k, and appropriate taxes for everyone. How much will the country save? Make it possible for Government employees to be fired w/o the red tape. Easy to say those things when you have a Government job+retirement. Get in the now, how many years of military time did you say you have? I bet you have spent more time in the Civil Service than you did active duty….SMH. Call me when they slash your GI Bill by 60% and you have 22 years of service; 11 active /11 reserve (still serving). This is not to cut you down, just a reality check. ewill35@me.com

    • I know for a fact the the comment made here is pointless. Seems to me that Erwin Jones is a disgruntled past employee who never made it in the military. That is too bad.
      Your comment is well taken, since you have the right to make these claims…but really, you should have never made it in the first place.
      Sorry, but your wrong.

    • Greg Bourn says:

      maybe congress and civil servants need to take cuts. Civil servants are protected for the most part from being fired. They are paid well, and often have many bebefits. Congress is the king of all rip offs, getting retirement, and health benefits after serving one term. Does the military offer 1 three year enlistment, and then benefits for life? get off your high horse Erwin

      • retiree says:

        Please, please read the many posts on these boards. Congress does NOT get health benefits for life after 1 term. After 1 term a Representative gets NOTHING. A Senator gets the privilege of receiving healthcare at age 62, for which he/she will pay cold, hard cash.

        IF you want the Federal Civil Service retirement and healthcare systems (what both the Civil Service and Congress are under – FERS and FEHBP) note these facts:

        – Accumulation 1.7% for the 1st 20 years (1% for those not in Congress or Law Enforcement), 1% thereafter
        – pay 1.3% of your pay to gain said benefit
        – Retire at age 62, age 50 if over 20 years
        – Pay a minimum of $157 every 2 weeks for your healthcare (both while on active duty and when receiving retired pay)
        – Receive NO health benefits between retiring and receiving health benefits.

        And you CAN fire civil servants – I've been involved in it. You just have to take the time to PROVE they do not meet DOCUMENTED standards. Too many fail to define clear standards for the persons job, and thus find they can't prove they are NOT meeting standards.

        • Idmtmedic says:

          Ok let's take your figures………..salary for CONGRESSMAN? 174.000? Give or take? Paid for by? Most are millionaires? Now compare 4 YEARS with NO retirement. Let's see…..ahmmmm 696,000 for 4 years. Damn your right, those SOB's are in a much worse place than us money grubbing, non- sacrificing military freeloaders. Your point was what again? Their benefits are worse than ours?

    • Where were you when BinLaden was killed? I was in Afganistan. Where were you when Saddam was captured? I was in Iraq! If you have children, where were you on your child's 1st, 2nd, and 5th birthday? I was in Iraq for mine. Were were you during during 6 months of one of your wife's pregnancys? How many Christmas, Thanksgiving and aniversities have you given to deployments, peace keeping and training. How long have you sent an a base camp falling to sleep every night to the "music" mortors and rocket explotions. 17 year of service for me with 5 years deployed to hostile countries. Married for 11 years and missed shareing over 1/3 of my life with my family. These are my sacrifices…. What are yours?

      • You knew what you were getting into when you joined the military…It wasn't a surprise. You knew by joining the military that you had a chance of being away from your family and going to war. Dosen't everyone know that before they join or do they sneak it up on you? I'm tired of hearing the sob stories from people who chose that life.

        • spn prncss says:

          pt 2

          I'll be thinking of your stupid comment the next time I teach a classroom full of students on how to shoot their weapons and when its time for me to deploy once again, ill keep in mind that i do this, not just for my family, but for your ignorant @$$!
          Have a blessed day…hopefully that milk shake you ordered at McDonalds today is perfect since there are many service men and women can only think about it when its not available to them.

        • You weak piece of ****, just because you dont have the guts to stand up for this country, doesn't mean you have any right to even speak about the service of another. You are probably a fat SACK OF **** previously married to a military guy who left you for someone worth a damn.

        • you wouldn't know sacrifice if it walked up and punched you in the mouth im sure you've never had the balls to join the service and have been spoon fed and never worked for anything in your pathetic little life. just go set you fat a$$ on your couch and have another twinkie pig

          • bill,

            Ok, you didn't like what he said, but how do we know if you have ever served in the MILITARY yourself????? And while you're at it, what are your thoughts on "Early Retirement"?????

    • Proud Military says:

      Erwin Jones is simply talking out of his backside. He obviously has never deployed at all much less 7 times as in my case. Oh….and by the way Civil Servant ERWIN I have seen the front lines my friend on every deployment so you don't worry yourself about that. I have probably seen or dealt with things that would simply overwhelm your weak and immature mind. I never vowed/swore to protect anyone's financial existence. That responsibility belongs to people that you probably vote for. Thanks for your pointless post Civil Servant ERWIN!!!!!! YOU SUCK!!!!!!!

    • fuck you!

    • Wow!!! You are one pathetic individual…Let me tell you something the Government owes me every penny of what I make and more…I have sacrificed 6 0f the last 8 years deployed on the front lines, and yes that means fighting sir, let me put you deep in the mountains of afghanistan where your fighting for your life everyday in some remote outpost…your a civilian now and you ought to be thankful for everything you have because of myself and other soldiers like me…and try telling the loved ones that made the ultimate sacrafice the crap you just posted…your a snide piece let me tell you.

    • You must have been in during the non deployment phase… this comming from a soldier that has been in 16 years and currently on deployment #8 five of them being combat deployments. still less then 1% of the population make up our ARMY and the people sitting behind the line as you so call it. (In your Civil servant office chair) can use your tax dollars to support your freedom..

    • You really pushed the buttons of all the non-grunts out there. Good on ya.

    • How would you like people to live and raise their children if they dont get something… I think your attitude is wrong. My husband devoted his life to the military and he deserves to be able to retire but still pay his bills. Or, he could simply follow the Obama lovers and live off all the tax payers…… YOu are out of line!

      • Lisa,

        Retirement pay was never supposed to be a Living Wage, same as Social Security, 401K Plans etc. These and other forms of Retirement Pay was meant to suppliment what you put aside for your own retirement. Remember, just because one served, doesn't mean the Government owes you everything after you retire.

        • MAJ Will says:

          Wrong. The reason you start drawing retirement pay immediately is that it is supposed to be a living wage. The reason being that it is assumed that after 20+ years in the Army, the human body sustains physical and mental stresses that may make working a full time job difficult or impossible. 401K's and SS are not the same. I am not goiing to take the time to think up clever ways to describe how uninformed you are. I am not going to give the board here a story of all the time I have spent deployed in my career. (11 years so far) I will say that I feel bad for anyone who is not saving for themselves and chooses to rely on those like Charles to do the right thing.

          • Idmtmedic says:

            He doesn't need to validate his OPINION. If you can read, he is talking about sacrifice, which YOUR 214 does NONE OF. Now does that mean his argument is stronger than yours???? HELLLLLL YES….lmao. I personally would love to hear of his sacrifice but that is just me. You would not. Funny you hate hearing about sacrifice, then argue about the ten most dangerous jobs……lmao as if that compares.

          • Idmtmedic says:

            So your validating what?????

  9. must be nice to be above it all, we are less than 1% of the population, I think the Gov can Handle it, maybe they need to cut welfare, food stamps, section eight housing and other give aways. (MAYBE)

    • Ahmen! Thats what I am saying!

    • Thats what I say to and let the men and women that put there life on the linbe get what they deserve.

    • What about military families where the spouse refuses to work yet continues to have more children to recoup more benefits? I’m a working spouse, and I get so tired of hearing people complain about people on welfare who work tedious, low paying jobs. I’m sorry, but just as you have welfare recipients, you have lazy mil spouses. I work, I pay crazy taxes, I pay for commercial health insurance…I try to do my part to contribute to a system that is broke and broken. And in my line of work, I’ve come across hard working welfare recipients, so I don’t take it lightly when some SAHM who does not work looks down on a low income mom who does work just.bc she’s on welfare…let’s face it, whether welfare, medicare, tricare…it’s all the government’s dime. My husband and our troops work hard for benefits & deserve them. The rest of us need to stop feeling entitled by association and pull our weight, too. It’s not easy, but civilians do it every day.

      • What are you talking about? Am I correct… I MUST not be…did you just say the following???
        A- military families get more money with each new kids they have
        B- military families and spouses shouldn't get the health benefits they currently do?
        Is that what you said?

      • What are you talking about? Am I correct… I MUST not be…did you just say the following???

        • @ holly, I didn’t say mil fam shouldn’t get benefits (I do, however, get frustrated when I hear complaints about a $1 increase in copays when average low copays are $20-$30 after paying a min of $150-$200/mo in insurance costs for Americans with GOOD benefits).
          And I did not say the mil pays more per child, but benefits are increased (BAH/house size, healthcare costs that are FAR below those of civilians’…).
          As a spouse whose husband deploys multiple times a year with minimal to no contact, and as a spouse who has taken my child on numerous business trips bc I don’t have the luxury of living remotely near family, trust me, I know the stresses of being a mil spouse. I also know that our govt is suffering and our troops and veterans don’t get the benefits they deserve bc everyone from A to Z, top to bottom is draining the system. So yes, I believe many mil spouses (outside of extenuating circumstances) can & should do more to help. The lack of simple economics has gotten us all into this predicament. The hard fact is that people can’t keep taking out more than we put in and expect everything to balance at the end of the day.

          • You said they "have MORE children to recoup more benefits" are you sure you're part of a mil family? I smell fish
            I'm so tired of people saying that every mother should have a job, so tired of those criticisms. We who are SAHM could criticize working moms by saying that they aren't even doing their full job of being a mother so why get another- then have two substandard "jobs" and a suffering child who needs more care? A poor child who as you say already has "minimal or no contact" with one parent, doesn't obviously have a dad and now has to suffer with no mother too? You think that's better? Why did you even have a kid then? If you were going to just leave it by itself in the world and thrown to whoever- someone else, other people, not even family (do the child a favor and move near some since your in a minimal/no contact marriage anyways) sounds like a GREAT family youre building. This is our country's future too, great. Also, until you have at least two kids you have no idea what it truly means to be a parent. Anyone will tell you that. Do that child a favor and at least give it a sibling so it has some blood relation and family love to cling to. Stop criticizing those who take a different road than you. There are many worthy investments besides money. I'm glad you backpedaled out of most of your idiotic statements you made though. You should just put them in the trash can where they belong! No mother is lazy if her kids are well taken care of! Just ask all thos who actually care for your child how hard it is, how hard they work!

          • @ cb1913
            I cannot believe you compared military spouses to welfare recipients, albeit lazy ones, but still!! How could you dare make that comparison! You're toe jamb, seriously!

          • @holly, seriously, "Toe jamb" (& I'm sure you meant jam)… yes, with that intellect and eloquence, I can see that you're a sure asset to your children. So while you're questioning my family in a lame attempt to justify your situation, let me inform you that I am pregnant with #2 and still working. And guess what, my family eats home cooked meals that I prepare from scratch…they live in a spotless home that I clean…my son speaks and signs and travels nationwide and internationally– at the age of 18 months. He's always commended on his behavior, intellect, and well-roundedness whether in church or on a plane. He has life insurance building cash value for him daily, and he has a college fund. And believe me, he acts a heap better than these unruly kids running around base with SAHMs who don't utilize their time to better themselves or their children. Yes, I'm just doing a hellish job. In truth, while you question my work ethic, in actuality, it seems I'm just doing double- duty.

          • . And here's the huge newsflash…it's nothing new and unique! My brother and I are products of an Army dad and working mom and, go figure, we're both college graduates (myself on a full academic scholarship), we both have great careers, and I was blessed to build my 1st home at 23 and my 2nd at 27. Yes, sucks for me that my mom showed me how to create balance and work– not wait and beg– for what I want. We were not raised with a sense of entitlement because there is NO free lunch. My grandmother worked multiple jobs, raised 12 kids, and still raised food for her less fortunate neighbors– and all of her kids are working and successful. So what makes us, as mil spouses, so special that we are exempt from the common struggles of every day Americans? While you're jumping defensive, take a second to READ my post. My argument is NOT against SAHMs. I believe, when done well, that's an honorable position. But again, don't use being a mil spouse as an excuse to wait around in expectation for Uncle Sam to do more and more for you because you think you're doing something special and different.

          • My argument is about people– regardless of where they are and who they might have married– who sit around and complain about what they're not getting rather than looking to see what more they can give/do. If that's not you, why are you so defensive? If that is you, that's something you need to correct yourself. The only person here judging you is YOU, my dear. As for me, my fight is for my husband and every soldier/sailor who puts on that uniform daily…for every veteran who has to come home to no job and financial ruin…for every soldier suffering from mental illness due to multiple deployments. I want THEM to have more/better benefits. THEY serve 24/7 and put their lives on the line. Yes, it sucks to be the one at home during deployment, but I hear deployment's no cake walk itself, so my fight goes more for those in the real trenches.

      • Military man says:

        I wish I could like this a thousand times

    • Amen! It is about time this country gets our values straight! I am the daughter of a WW 11 vet who spent the last 18 months of the war in a German prisoner of war camp. He was shot down with wounds (purple heart),etc. My brother is retired military and made his sacrifices as well as my son who is active duty now in Japan. My son has made many sacrifices to serve our country for about 12 yrs. now, and he is about to be kicked out due to his asthma! All that training and hard work thrown out??? What is our country coming to? Yet, go to any grocery store and watch the illegals by steak for their dogs because dog food is not included in the allowable handout! I feel for the poor Americans who truly are working hard and are honest, but there is so much abuse going on, and it is not fair to those Americans who have served honorably!

    • Why should we punish those that cannot and in some cases will not be able to better themselves. We should cut from the top and restructure the funds to help our American families. The only job I know where you only have to do two years and get a ridiculous amount of money in retirement for life……Congress, if only I had political skillsets! lmao

    • Hell yeah

    • i agree with you. i served 4 active and 4 in reserve. they should give them the 50 percent. This country should stop sending a lot of troops overseas, and teach the middle east how to defense themselves, they just use are money, and we ended up paying high taxes, what for? to cover all the money we invest on them, and at the end they all hate americans. Wake up USA. Are troops deserve the best.

    • How can you really cut welfare when we have soo many vets male and female that are on it? And those food stamps do help them out also. Some of those "giveaways" are also known as entitlements, and many are being cut or reduced by government policies. We can't afford to just "cut" a program just because it sounds good or we have a preconceived picture of what a welfare, food stamp user, or someone on Social Security looks like. We should look past the bias, and see who does it affect, how can we change it so that those really worthy of it receive it, and how we can change it so that those that are questionable or just using the system are forced or gradually taken off and forced to work.

  10. ummmm first of all if you have been civil service for 20+ years then you probably did not do 20 and even if you did more then a few years the military has changed since you have been in. I bet you are a man as well because as a military wife I see my kids cry when their daddy is deployed. So, yes we deserve everything we get plus more. Yes we volunteer for this life but at least were doing something and not sitting on our ass collecting a welfare check. I bet your typing this while you are suppose to be working.

  11. RUBEN JAUREGUI says:

    Mr jones,
    I’m a servant too. One tha has no say in where my next station is. One that can’t say no to orders. One that has no say in wether my family goes where I am sent. How many times have you not seen your daughter or son for the past 18 years? How many times have you missed a hot shower in the last 18 years. How many B-Days have you missed? How many times did you have to eat a cold meal because uou did not have restaurant or a grocery store? I will continue to serve and while I have a hard time understanding your pain from being a civil servant I will give you a cut. Continue to serve and don’t complaint about your hardships. Let those complaints to be made by the ones who experience those hardships.

  12. Mr jones really I have spent over 15 years in the infantry and suffered plenty if not me and my family than who?

  13. ActiveSoldier says:

    I've served for 22 years but six of those were in the Reserves. They don't really count for much in an active duty retirement. I'm burned out. My body aches in all my joints. I am no longer a "spring chicken" and it is getting more difficult each year to keep up with the younger guys. In order to get a full twenty, I would need to serve another five years which would mean 27 years served but only 20 years retirement credit. I am ready for a civilian job where I can go home to my wife every night. Lost money or not, TERA sounds good to me at this point in my career.
    Mr. Jones, it is difficult to take you seriously since as a civil servant you most likely would never get fired from your job, assuming of course you were an abysmal employee. I give you the benefit of the doubt but tell me how many worthless civil "servants" have YOU known in you 20 years that seem to stay in their positions forever? I have known several whom the financially strapped American public you are speaking out for are forced to give up tax dollars to pay. Go to any DMV and you'll see what I mean.

    • Jerry Taylor says:

      ActiveSoldier you need to look at the DOD website under the retirement tab and see how your reserve time will be calculated in addition to your active duty time. Also look at your LES, it should include those 6 years. If it doesn't, then I would get busy before my retirement to make sure they include it. I had 7 years reserve, it's the difference between 50% and 62.5%
      I just got my Statement of Service and it's on there.

  14. Who is this Jone's anyways. He has no idea the sacrifices madeand to say that a great number of military personnel are whining is ridiculous. Yes, look at the ones that refuse to work because if they do, their welfare will be cut off. It is something when people want to stand behind the U.S. Flag and wave it in defiance of the terroristist acts and then call on the military to spring into action, the same people that puts "support our troops" bumper stickers on their cars. Then when the same military personnel deserves the benefits has someone like this Jone's to speak out like this.

  15. Mr Jone's needs to find life elsewhere. I spent 26 years active Army. I've been on every major deployment. I sacrificed my family for this country. Do I whine, NO!! Do I deserve some benefits, I would think so. I don't ask for much, just for
    people like jones to shut up, back the troops and move out of the way. Oh yeah, one more thing, look at the ridiculous size of our government, want to cut
    cost, I would think start there, get these people out, the same ones that vote a 100% pay increase for themselves, now that is something up for discussion, not taking from the ones that are keeping this country free so people like this can talk like they do.

  16. 15 yr retirement would be great if you were able to keep you health/gi bill benefits. Think of how many experienced NCOs and CGOs we could keep at least through 15 years vs loosing them at 8-9 years. If you enlist at 18 you can leave at 33 after serving your nation and take something with you like a college degree, a small pension, and the thanks of a grateful nation for your service. What kind of price can we really put on serving your nation?

    • retiree says:

      those who retire at 15 years are RETIRED – as in they have the standard retiree medical. Not certain what you mean about GI Bill – if you are eligible for that you are eligible, regardless of your status. This just affects when the 10/15 year clock (depending on which GI bill) starts for the end of your eligibility.

    • If you take it one step further, retire at age 33, where are the jobs when you get out? You'll receive less on retire pay and less on G.I. bill. The job market is poor,(even with a degree), higher economy, and they will raise the SS age. What and how will you be able to survive with less than minimal. Maybe we are headed to become a third world country.

  17. Mr Jones (PT 2), Time involved = 30 months (not including 12 weeks in Boot camp and 3-4 in military schools). See Mr. Jones (and I don't know if you know this), even when home the military member still don't get to go home. If the math is right, it should give the member 6-9 months to family & friends in a 4 year enlistment. However, if you stay on your civil service job – you get paid pretty decent for overtime. Yes, I know the military members get days off (sometimes because they are home only on limited numbers of days and they need to catch up and get ahead prior to leaving family at home to fend for themselves (when was the last time your spouse move across country without you?). The BAH, why do we have to leave our families in run-down neighborhoods when we are gone? Why we are not entitled to the American Dream of a home (in a good neighborhood)? Take away BAH – do the math Jones. Would you prefer the military family live in a box under the freeway? We don’t own mansion? We live next to you. Not above you. We are neighbors (trying talking to them sometimes).

  18. Mr Jones (PT 3), We know the country is hurting as a whole. See Mr. Jones, it is our spouses getting laid off also. It is our spouse that have to quit when we PCS. Better yet like me, a Geo-Bachelor for 5 years because of my spouse’s job. We needed the income and stability in our family, so she stayed while I was sent away. Don't be mad because all you are entitled to is a 59'er. We didn't write these rules. Someone in the civil service wrote them (oh did I call out your organization- I apologize). You are comparing apples to oranges but if necessary, feel free to contact your Congress Representative and have them re-enact the draft. The issue would be solved. Yes, the military retiree gets medical for life (I have degenerated disc in my neck & back (surgery scheduled and in the mean time shots every month in the neck), sleep with a machine nightly, wear hearing aids in both ears, wear a knee brace, tinnitus in both ears ( ringing 24×7) and one bad knee. How is your paper cut, sir? I can’t play basketball with my son anymore but I still watch him play.

  19. Mr Jones (PT 4), See Mr. Jones, some of the trades in the military don’t cross over to the civilian world (who needs an Aviation Ordnance person, a 40+ year old fire-fighter, bad eye-sighted Sniper or a 40+ year old special force member). I am a lucky one –Engineer. This is why they get to go to college. Because the civilian world requires it! See, our GI Bill is going to our kids so they can go to college and not be force to live the same life over again as we have. Therefore, we have/had to complete college while still active duty (and still meet the mission). They all bring discipline and leadership qualities. Additionally, to save $$ the Congress ask military members to not stay around for retirement. These members are sacrificing more than you are looking at. How can a person be committed to their organization when you know they are trying to release you early w/ no benefits? See, none of this was the military members call. It came from the civilian sector because you guys want us to be like you (401K plans, downsizing, 65 year old retirement plans). When you meet the same sacrifices as some of these members, then you have a good argument.

  20. Mr Jones (Last PT), Don’t base it on the non-performers where you are at. Yes, we have them also because they are part of our world too. We just send them to you guys because they could get someone killed or severely hurt (I really hope you weren’t one of those non-performers). Now aren’t you happy that we are a different breed than you. Next time you see a military member – stop and say “thank you because I wasn’t able to go the distance” (you don’t have to tell them why). Just be glad not all of the leadership, experience and dedication of these military members pulled a “Mr. Jones” on the country. Have a good day at work Mr. Jones and feel free to share.
    V/R,
    Master Chief Petty Officer (Ret) Mike Gwinn
    gwinnmike@yahoo.com

  21. Well Mr. Jones I believe the people who volunteer to serve this country have definately made it know exactly how they feel about you, your comments and your complete and utter lack of respect for what it is WE true ex military member have given up over the years. I just wish there was some way to take back from you the rights I spent 20 years defending. By the way Mike, good job on the break down, maybe he will read it maybe he wont.

  22. Great reply Erwin. I served 23 years thru all three wars. I CHOSE to serve knowing full well the pay and conditions. If you got a problem with that, then get out of my military and let those who are truly here to protect do thier job! -signed, disgusted with the entitlement generation.

  23. Here is my response to all of you. I served around 12 years active duty while I was in they offered the 15 year retirement right after Desert Storm ended. I was not eligible to take it but had I been I may have seriously considered it. I ended up getting out for personal reasons but I went on to serve a very good career in the Air National Guard where I worked full time and wore my uniform up till the day I retired as a technician. However with that being said I am not part of this me generation that Michelle talks about I am 48 years old and the last year of the baby boomers. I went to college while on active duty and received my degree(s) in Human Resource Management and Information Technology and I now have a great civil service job in NYS. This article is not about individuals wanting to get out it’s about offering something to these individuals for their time because the military has to meet end strength. These me generation kids you are talking about were created by our generation so live with it. However, the me generation kids that served at least they care enough about this great country to do so. I myself am a retired MSgt with over 21 years total service and my daughter (Me generation) is going to go into the Air Force when she graduates in June. My son (Me generation) is a marine now and my 16 year old wants to serve as well. So please think about what you say and read what is going on before you comment. I am proud of anyone who serves and Michelle thanks for your 23 years of service to our great nation. But please don’t knock someone else for wanting something different. And if anyone can afford to take the 15 year retirement and leave a slot for someone who may have gotten bumped out. Thank you for keeping that individual gainfully employed.
    Mike from NY

  24. And to make a correction to my "Me Generation" entry what I meant entitlement generation. My bad and I'm sorry. Also I didn't retire a technician I retired from the guard but was a technician until the day I retired. Just wanted to make those points clear.

  25. wow really you guys have no idea. We are entitled to much more than what we get..Professional athletes get all of the millions and glory whiel we get crumbs but yet we still serve proudly..I'm currently on active duty w 16yrs in, and tho not all of us see " Front Line" combat that does not mean we are not defending this country or putting in our share of the hard work it takes to defend this country, everyone cant be on the front line, if so who would ensure all the other things get done? We as a military force as a whole are over worked and under paid and very under recognized and appreciated. We deserve more than what they give us so please spare me with that crap. MM1 SW/AW Davis

    • I'm not trying to get into an argument with you. But maybe you should have become a professional athlete if you wanted millions and glory. Nobody forced you to join. We are a volunteer force. In the event you forgot that.

    • William Clark says:

      When they use you up and the wars are completed they think they can brainwash you in to thinking they are helping you out by putting your ass out. Do this look like they care about you Think.

  26. Sandy Dusty says:

    Eliminate the contractors and GS Civilians. Get the military back into the motorpools, hangers and kitchens. That will save tons of $$. Yes, I'm deployed now, and yes, I'm willing to share the pain to get rid of this debt. Cut the welfare also.

    • What were you before you entered the miltary and what are you now?
      Do you honestly think that would'nt be the case if they could do it. Da!

  27. Some people should really think about what they are about to say before saying it. Evidently he could not make it in whatever branch he was in and went on to work in the Federal Civil Service where you have 3 or 4 people to do one job and it's still Half Done. He gets to go home everyday and have weekends off. I just can't understand why he would make that comment.

  28. First off let me start by saying that not all Civil Servants are useless. I have to work nights and weekends when called upon to do so and my job requires me to be on call on an as needed basis. With that being said the other civil servant for 20+ years; YOU ARE an ID 10 T and if you are wondering what that is put it all together. I agree with you big28Hunter. I don’t know how long you served or in what branch of the service you served in and that doesn’t matter. Also, you are correct not everyone does go to the front line but everyone is just as important as the next and the stress of serving can sometimes be enough. With that being said “SHAME ON YOU”!!! Be the one to have to tell that wife/mother that her husband/son was seriously injured or worse yet isn’t coming home because he was killed in the line of duty or is missing. Be the one to have to escort the soldier, sailor, airman or marine home. Please, I have sacrificed pay in my job for the state of the economy and our state but how dare you make a statement on this site like that to the people that actually now are protecting or have protected your dumb A$$. I think I have made my point. God bless all of us “Vets” who were or are active, retired or served with honor.

  29. Took it in 95' and got out with almost 18 years in. It was great as I had things lined up and have been doing it ever since. The Tricare/TriWest Prime is fantastic where I live and I'd do it all over again. 15-18 years is a big dif though.

    • Tom Stephens says:

      Hey Pete! I took the TERA in 94 with 18.2 yrs. I am now in the process of trying to get credit for community service. I worked as substitute teacher and special ed assistant for several years. I however failed to report the employment according to their established process so it is now at Andrews AFB to go before a board. Hopeing to get at least a year of credit for when I turn 62. I understand that current TERA retirees will not get this option. Glad to hear you enjoyed your early retirement. I would rather have done all my time now looking back at it. I also had health issues that needed to be addressed before retiring but was too busy with life at the time. Now it is making it difficult to get anywhere with VA claims. Best of luck to you!

    • Hey, Pete! What kind of things did you have lined up before making the option of early retirement? Just curious, as I am at 18 yrs in now with the option to do so. Please respond.

  30. 50-32.5=17.5 and not 18.5. Nice try with the math.

  31. Rollin Gray says:

    As Usual the Gov't and congress talk a good line about those of us who serve at their beckon call and end up doing their dirty work. But as both my father and mother (Retied AQC Aircrew- WWII / Korea, AT-2 Aircrew:L Korea) once told me prior my medical retirement. " The only Veteran that the Government truly appreciates are those that have passed. They lay a wreath on a grave say a few words which in all reality is nothing more than a canned re-election speech. Then they go back to Washington and do everything they can to protect their pet projects and cronies while cutting the funds for Veterans at every opportunity. Free medical for retires what a joke, if it cost 1 penny its not free! but free is what was promised !!! Apparently they forgot all about the supposed "Sacred Promise"
    My old Master Chief once told me "if you are gonna screw me at least give me a kiss" It would seem that the same would apply in this case.
    One can in no way compare military service to that of a civilian career to even attempt it is like comparing apples to to Boeing 747's., the only thing they have in common is that they exist on planet earth. It has always amazed me, that those who have never served a single day either in or out of this country in peacetime or combat always seem to know whats best for those who have.
    If you must insult us at least be honest about it. Oops i forgot. That would require some level of credibility and integrity. Its been my experience that is a trait that very few if any Washington politicians have.

    Earl D Gray, AQC
    Diane L Gray, AT-2
    Rollin Gray, ABE-1
    USN – Ret

  32. To Erwin Jones…..if you've been a civil service member for 20+ yrs, you didn't see any FRONT LINE or any support of a front. I have been in service for 24 yrs and have served in support and front line roles ( Desert Storm, Bosnia OEF, OIF ). I buried 6 of my brothers in arms last summer. You speak of many VETERANS that I have met who didn't cut the cheese or were kicked out as an E-3 and do nothing but bad mouth the service members. SO! From all of us, past-present-future veterans, feel free to kiss our A$$ and quit your GOVERNMENT JOB that supports all of us deadbeat veterans and move somewhere else ………….say Uranus!! because you'd fit right in…..

  33. Lenford Housen says:

    Anyone who served 15 or more should have the option to retire. If congress approved it lets use it.

  34. hi

  35. Patrick Vaxter says:

    I agree MM1 Davis. I served on active duty for 10 years. What about the people that got out on PTS that bullshit system. It's kicking out the best of the force. I agree take what ever the gov is giving you cause some of us did not get that chance to get any retirement. 15 years is good for me. I agree we deserve much more but get it while the getting is good,

    LS2(SS) Vaxter

    • Hello, The one thing that no one seems to mention is how long will you get a check for a 15 year retirement. My Ex wife did it and I remember something about receiving the payments for only 18 years because she did not do 20 years. This is something to look at before a decision is made. What is the time line you received? She was also given a lump sum option.

  36. Darrell says:

    They want us to retire early and then give us a penalty for retiring early. Does that make since? They could offer the early retirement and give 50% of base pay just like after 20yrs and it would still be less than if they served out there 20yrs and then received their benefites. And more of us would probably get out.

    • retiree says:

      Or they could NOT provide ANY early retirement, and just RIF the folks. Be grateful they offered something. You get to evaluate whether it is sufficient FOR YOU.

  37. SSG Hofmann says:

    Cry babies :(

  38. 100% T & P VA. Given 15 year NG letter on return from Iraq in 2004 due to combat related injuries/disabilities. However NG noted Section (b) not in the line of duty disabilities and now I will be denied CRSC or concurrent pay. 2 Bronze Stars and Purple Heart. Any advice on how I can get the 15 year letter amended to show in the line of duty?

  39. You ALL crack me up!

  40. Bill Foulk says:

    As a Korean War-Vietnam war veteran I am dismayed by the phoniness of many Iraq and Afghanistan veterans. Those two wars resulted in comparatively few casualties but has produced more medical retirements than Vietnam and Korea put together. The so called "Heroes" of today or many times nothing but leaches. Of course, such a generalization does a disservice to the few who really did see combat and fought well..

    • Marginal B says:

      Thank you for displaying your ignorance. War deaths and medical discharges have an inverse relationship to each other. That means that because people aren't dying out there, more are coming home with missing parts. You don't become a hero by dying for your country, you become a hero by making the other SOB die for his.

      • Idmtmedic says:

        Patton!!!!! Amazing that a so called vet would say that, but how is it his sacrifice was worth it but other vets are less than his own!

      • this was an epic comment, even before you threw in the best military quote ever, it is definitely true that death and mental illness have an inverse relationship. World war 2 had 16million participants, with just over 1million wounded or dead, and of those wounded, 44% died. With Iraq and Afghanistan, the it's been 80,000 of 1.8million who have served, and of those the mortality rate is just under 9%, 5 times lower than ww2. So we have more than double the living wounded survivor rate, or about 1 in 20 participants. Claims are now initiated and paid much quicker by design. But, something like 90% of WW2 veterans who survived received VA benefits during their lifetime. Sorry we get paid quicker, but each of you used the benefits the same way, it just took you longer.

    • Bill Foulk,

      I't kinda makes you wonder, doesn't it. I would like to see some Government stats on what you're saying.

      Later

    • I knew a piece of crap like you at one of my old jobs. Up until the day I met him I had an unquestioned amount of respect for veterans of that era, in particular the Vietnam era. You ignorantly and blatantly chickenhawk the men and women who make up this generations version of forgotten like your generation. You do a great disservice to this country and the people who sacrificed everything they ever had in life for the lost cause that was this last war, that Im pretty damn sure you were all up for. Dont ever show your face at a VFW where OIF vets hang out….cause if they are anything like me, they are going to want you stomped to the ground stat. How dare you compare my brothers and sisters to the leeches who make up todays new crop of disfigured and haunted vets.

    • Walking wounded says:

      As an injured, and still sderving Veteran, i respectfully dissagrea with you. I do ot consider myself a "hero" for my actions, I was just doing my job when taken out. I also burried three of my battle buddies from Iraw. But to make any blanket statement about how the current verterans are leaches is sad. I am sorry that you feel that way about your fellow brothers and sisters in arms who continue to fight for the rights of people, including past vets, to make such comments, and not face direct actions from a totalitarian government. Your welcome.

    • Campbell says:

      I agree with you Mir Bill Foulk. But nobody wants to see it that way as you. You went through terrible wars and there is no comparison with current situations in Afghanistan & Iraq. Those so – called new veterans just do not understand it. Some were injured and do not make compliances (I would give them all benefits), but majority who just was there crying like a really big babies and very greedy for money and benefits.

    • Hey Bill, lets not divide the body of veterans and start fighting amongst ourselves. One generation comparing to others only serves to cause veterans as a whole problems. Lets stick together as a team, and continue to preserve our hard earned benefits. We are all in this together. I've been combat arms throughout most of my career, and I've watched and listened to brothers put down support guys because they aren't out there up front….but there cant be a front without a rear supporting, one team one fight concept. If you don't understand any of what I'm saying, then just get this statement, Negativity is infectious, and it only serves to hurt us all. Keep your head up, stay positive, and drive on!! God Speed Brother!!

    • Thank you for serving in both Korea and Vietnam. You must feel very fortunate to have had such a long and productive career in uniform.

    • As a physician and a son of a physician that served in Korea and Vietnam ( I served in Iraq and Afghanistan), I can tell you that the injuries suffered by our troops currently would have resulted in death 40 years ago and before. Medical preparedness and technological advancements have made response times and Implementation of those emergency services so much better. Plus the advances in blood storage and broad spectrum antibiotics have reduced death rates considerably.

    • To talk about your Brother in Arms that way is not the soldier way.
      Sorry for your obvious hurting from past wars.
      I thank You for your SERVICE!

    • I am a recently retired 1SG and I have served in our nations conflicts from Grenada to Afghanistan. Some wounds are not physical they are psychological I use to agree with the notion that sick call and mental health were for whimps until I witnessed some of my soldiers and a guy whom I have served with for many years committ suicide! Putting young Americans in a combat situation and returning them home to nothing and without anything is not caring for the veteran and respecting what he or she did for the country!
      It is because of those who have served you have the right to speak negatively against them

    • Stereotyping and categorizing a veteran based on what era they served in is disrespectful, not honorable, and most of all unrealistic. Never have I do paired one war, conflict, or battle to another. And to do so is a disgrace! I know veterans who served back to WWII. Nobody ever expressed what you did. All who serve are heros. That includes you. Stepping over the line, as you did, sickens me and fellow veterans. The Korean War veterans I showed this to were so offended and wonder if your wear war trophies.

    • Eric Sowers says:

      With todays medical and technological advancements the KIA in both of those wars would have been dramatically reduced. You can puff yourself up as much as you want, but it still takes courage to run into a fire fight to save Afghan soldiers or disarm and IED.

    • I think you are right on. I am still serving with 12 deployments under my belt. The entitlements demanded by the new military make me sick. I wonder how many of the injuries were suffered in combat over sports related injuries

    • Jeff Dinsmore says:

      Bill, I know you're getting alot of heat for your opinion, but I do have to say I observe an interesting phenomenon in our day that I didn't see years ago. I'm still active, going on 30 yrs, and I see a cottage industry among recent retirees working on their "percentage." Not so much a product of their greed, though, as it is a product of growing government entitlements and the willingness of many to exploit every aspect of benefit milking that they can.

    • CPTAmericaLvzRN says:

      Hi Bill, I've taken care of many veterans from various generations in different settings-both the hospital and the community (i.e. successful vets as well as homeless vets). Veterans are my favorite people. Each has his own story of a different war that includes different tales of struggle as well as triumph. Although what you are saying may sound cruel to others, I understand what you are saying. Like Dr. Joe said, this is in part to generational gaps, but there is one thing that unites all of you. It is the one thing I see in your words and the words of those that have replied. It the very essence of every combat story-the thing that I enjoy listening to over and over again. It's the same reason I'm in love with my soldier. It's your pride. Yes, you are all a proud bunch and I love and appreciate that pride. Your pride represents the investment you made in our country, our way of life, and your fellow American. God Bless You!

    • Kathy2man says:

      You are very ignorant! All wars are bad, but to serve in another time than yours you put people in any catagory but not leaches. They are all brave and should be respected.

    • I really dislike your comments on these veterans. I am a Vietnam veteran, not disabled. I recognize the plight of many of my brothers from this war, WWI, WWII, Korea, Desert Storm, Iraq, Afghanistan. It is not a good thing to say you know their pain. I will admit the Korean Veterans have been screwed over more than any other veterans in America. Vietnam was probably next , but wrongs do not make a right. They deserve all available to them. I apologize for your treatment and my brothers and sisters from the Vietnam war, but I wish these veterans nothing less than the best treatment available.

  41. I think that solider that have put their all and all in and are force to get out when they are at the end is just bad. My husband has 16 year in and next year they are making him get out with 17 year in. I think those that want to retire should be aloud to finish their time and than get out. But my husband may have to retire early because he cannot get his first segart to get him to the board.

    • stacy,

      Not trying to start an argument, buy those being forced out are only those that have failed to meet the standards in order to stay in. Is he being given the opportunity to apply for the early out pension????? If so, he is dang lucky.

      • it is a numbers game my husband is in the same boat did not make E-7 after 2 looks and he has to get out. He has never been in trouble and has given the military his all. Yes we are lucky very lucky to get what they are offering us but it still hurts that he did not get to finish his 20! I must remember and stick to our motto Suck it up and drive on! Some days it is so hard to do that. The military has provided our family with my blessing!

  42. old airman says:

    my pay in the air force 1957 as a airman first class with nearly 4 years service was around $120.00 per month. Times has change.

  43. Please, in the past ten years, our government provides big tax breaks for the rich, declares two unfunded wars, gives Big Banks huge trillion $ bailouts "Stimulus" for their bad management and now we expect all the little people to pay for it. Americans our Big Banks have bought our Government & Federal Reserve that prints our "cheap "money that is ruining this economy. Join the American Legion, the VFW or any Veteran's Organization and "Fight for Freedom and for Right!

  44. Craig A. says:

    I served 4 years active duty and additional 21 years in the Guard and Reserves with two activations. It was hard with a family and a full time job. Nothing is guaranteed or certain. Example: remember when the Wall fell(communism) in Russia. The military personnel lost everything. Commanders were in bread lines. But we are in America and I believe hard work should be rewarded. Unfortunately, it is not in our country or anywhere else in the world. Live within your means, pay your bills and continue to help others and I can guarantee you will live a very satisfactory life. Having been all over the world, I know for a fact that we a more fortunate than most.

  45. Craig A. says:

    I apologize for not having referenced the actual subject above but it reminded me of the time I was active duty and they were kicking non-critical personnel out if you didn't sign up for active duty again 6 months before we were to complete our four year commitment. They did not issue DD-214's since we were to be discharged with less than four years active duty, due to the Gramm-Rudman act. Fortunately I convinced them of my value and they kept me until my four years were up. I lost rank four times due to change of duty stations and had to always start back from the bottom. Same thing goes on in the civilian world. Currently I work three jobs and have two good college degrees just so my family might have a fighting chnace in the unknown future. I am not eleigible to collect my military pay until 62 at 50% enlisted pay.

  46. CDM USAF RET says:

    grow up mr jones

  47. Marine0369 says:

    You do get to keep your GI Bill and your medical benefits. It is retirement in every sense of the word. The only difference is the smaller monthly pension, everything else remains the same………. I know, i just retired early from the Corps.

    • Marine0369,

      When you say "medical benefits", are you saying or meaning Tricare?????

      Later

      • Marine0369 says:

        yes tricare, but as a retiree, you pay premium for prime……not that its much, its only $520 a year for a family plan. And the dental is like $75 a month for a family plan. The dental in my opinion really isn't worth the money, but the option is there. I have every benefit any other retiree has, because I am retired as well. That includes my blue DOD retirement ID Card and all privileges, that come with it; Commissary and PX benefits, ability to visit any U.S Military installation, Space A flights on military aircraft…..For me, it was a solid choice, I wasn't getting promoted again and It gave me a 3 year head start on the next chapter of my life.

        • Did you do the TERA? I have a lot of medical issues that occurred since joining but my PCM thinks it's a good idea for me to do some is 45% @ 15 versus the 50%. She also recommend it since they have been finding ways to screw people out of medical retirements and booting them right before hitting 20 years with nothing.

      • Idmtmedic says:

        Charles are you discussing benefits with ahhh let's see what was it you called marines???? Ohhh I remember now brainwashed?

        • Idmtmedic says:

          Lmao. Charles your posts are part of an ongoing assault on veterans. If you would not like them brought up again then feel free to post them on YOUR site. I'm sure it's very active. You can sip coffee, cross your legs and discuss the whining veterans with your veteran friends and share war stories. Be a very fun time for you, however it's tough to get your keyboard to drink. Feel good to berate vets and live off those non existent glory days?

  48. I don't expect a retirement at 15 years. I never even dreamed that was possible when I joined. I've been in 12 years and unsure if I will stay in past this enlistment, retirement or not. But, if they are offering a good deal (for some, not all), then what's the harm in taking it? You pitched in your buck-o-five, regardless and a deal is a deal. This is not the same as someone getting one up on the military by receiving medical retirement benefits for a shady case of PTSD.

  49. Can anyone provide a source for the "TERA penalty" mentioned above? The only place I can find it on Google seems to be this article. The Air Force's TERA announcement only mentions 1% of retirement less for each year under 20. Thanks.

  50. I retired with 13 years active duty and 15 years full time reserve. Can this apply to me? If so can someone tell me where I can get the information at and who to contact?

    • guest,

      You are already retired, doesn't apply to you.

      • Robert Sack says:

        I was a C-130 pilot 1987-1990, AC-130 Pilot 1990-1997 then transferred to ANG full-time Title 10/32 1997-2011 as a C-130 pilot. I've been there done that and have a drawer full of the T-shirts. I was medically, honorably discharged due to severe back problems that I fought for the last 14 years to include 3 back surgeries. I have serious GI issues, permanent nerve damage in right leg with pain in both legs, minimal shoulder function in both and constant headaches last 4 months with about 4 full blown migraines. I'm not looking for a pity party but I only received 10% for pancreatic valve dysfunction, 10% for Barrett's esophagus from acid reflux, 20% for thoracic (midback) facet damage and 10% for Tinnitus for a fuzzy math total of 40% service connected. I gave my body in a different way. I flew my combat missions repeatedly with orthopedic and other medical problems because if I didn't there wasn't anyone to replace me. My job was to serve our ground troops whether it was by CAS in the AC-130 or C-130 resupply by airland/airdrop, infil, exfil and most closet to my heart – medevac flights at just about any cost. The bottom line in summing up my career was the highest honor and privilege of directly serving our ground troops. I would do anything for them and will never forget how awesome they are.

        !. Since my last 15.5 years was in the Air National Guard and I'm TPD according to social security disability, do I qualify for my early retirement which would normally be 60 years old and if so would it be a bad idea?

        2. A trip to the VA maxes my pain to a 10. My appeal is two years old. Any advice to get proper VA compensation?

  51. stephanie says:

    do dependents still receive health care benefits with the TERA option?

  52. Doug Jeffrey says:

    Ya’ll are a bunch of hippies. You military bubbas think that you should have 40 acres and a mule for doing nothing. I’m with Charles, lets all be screaming liberals. The folks in society who do nothing should have our benefits, kind of like surprise Santa parties.

    • Lmao, well according to him he is a republican. hippies?? Doing nothing? Folks doing nothing have great benefits. What's not to love about not working receiving a check every month, subsidized housing, food stamps and free health care?

    • 40 acres and a mule? Your comment reflects an attitude of jealousy for those that were able to travel off-shore, eat meals out of a tin plate or luscious dry rations, sleep in romantic, earthy settings, enjoy the aroma of others unable to wash, and serve our nation with pride. Me, I'm just another military retiree wondering why I never put down roots like others…perhaps yourself. However, after many years I finally realized why: I chose to give of myself to preserve what you call freedom!

  53. I was an Air Force E7 fast burner who took early retirement in 1994 with 17 years in. I was thrilled to lock in a pension at such an early age, however, I am haunted to this day that I didn't finish the 20. I feel like a quitter and my small retirement check is a constant reminder. For those contemplating accepting TERA, this could be your ultimate monthly income should civilian life not value you, as in my case.

    • Sorry to hear of the decision you made. I'm sure that you had good reason to do so at that time. For those contemplating the same decision, you have given them food for thought.

      • I got out of the Air Force in 1994 too. I was told, if I was to get a job with the federal government, for the remaining 5 years (I did 15 years), I could apply
        for my retirement at 65 years of age. Do you have this agreement?

        B.

  54. I was a SFC who was put out in 1993 June the 30 under the quality management program I was was in for 17 yrs why can't I get a pension or something from the government.

    • Must be a reason within the quality management program as to why you were "put out". Try remembering why you were identified under the program and you might answer your own question.

    • Should have been a better leader so you wouldn't have been put out. There is a reason the Army instituted the QUALITY Management Program.

  55. Hey all u vets! You volunteered remember? I was a paratrooper in the 82nd, served in greneda, the sinai, and panama. I am not recognized as a "war time" veteran, and get no "retirement benefits", so what. I did my part for my country in the infantry, went on and graduated college with the help of my government after serving 3 years active and 8 years reserve, and am now unemployed. So what? nothing is owed to me I was proud to serve and wear the uniform.

    • Do 20 then spout off.

    • I forgot to add that you are owed nothing? Yet you went to college on the government? How about YOU go to college on your own dime then? If you didn't EARN it then give it back. YOU get retirement after "20 years" and it's not retirement but reduced pay for reduced service!. You volunteered but now it's the 20 year veteran that is the problem? Yea ok.

  56. J. Trott MSG/Ret says:

    My son USAF Major, took early retirement in 1n 1992 naming 2nd wife as
    beneficiary; divorced in 2002 w/decree naming 3 sons as beneficiaries; died 12/12 w/no will. Beneficiary/beneficiaries????

  57. Mark Morgan says:

    I took a tera in 1994. 82d Airborne Infantry, Grenada, Panama, and Saudi combat deployments. I took what was offered, no regrets. I have incurable cancer from what I believe was the Gulf War. Still no regrets. Reading some of the sourmouthed comments makes me sad. Maybe we need a draft to get the loudmouths into combat to find their soul. Then maybe we would have respect for the serviceman like we did after WW2 and Korea. But we would still have the rich trying to buy their sons out of their obligation. These Alligator conservatives make me sick. (All mouth, no ass)

  58. Gerald Wayne Seay says:

    I retired in 1994. I took the early 15 yr, retirement and then went into the Educational field, and now I am retired from teaching. I was under the understanding that when I put in 5 years in education I would receive retirement for 20 yr. Now I am being told that did not sign up for it. I trusted the military to fill out all my paper work and can not get anyone to reply to me. They said is had to go before the board that meets once a year. It is not 2 years later. What should I do?

    • Congressman, Army Board of Corrections Request. Supporting documents are DD 214 and Retirement Paperwork.

  59. Brett Mitchell says:

    As an Army linguist, I was offered early retirement after 17 years in 1997. My understanding is that if I worked in public service (I now have 17 yrs as a police officer) I would be eligible to receive the balance of my 20 yr retirement at some point. Does anyone know what I am referring to and who I should be contacting to claim this adjustment?

  60. kicking non coms out after 15 or 20 while officers can get old and fat is a travesty. Without non coms there would not BE a military

  61. I am proposing Legislation via my congressman and senator to make Military service men and women be allowed to select a 401K, or ARC type of pension to prevent so many veterans who have in 6,8,15, 18 years that they can take with them if they leave before 20 years. Every where in the private sector and most government jobs one has a short pension, 401K, ARC something they are vested in about 5 years in service. It is a travesty to see people cut in the military after putting their life on the line with perfect records simply to satisfy the numbers. Please push you congressmen and senators to vote or promote such legislation.