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Fort Bragg Retirement Services Information Brief P.O. Box 70029 Fort Bragg, NC 28307 9 April 2012.

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Presentation on theme: "Fort Bragg Retirement Services Information Brief P.O. Box 70029 Fort Bragg, NC 28307 9 April 2012."— Presentation transcript:

1 Fort Bragg Retirement Services Information Brief P.O. Box 70029 Fort Bragg, NC 28307 9 April 2012

2 Retirement Services Officers (RSO) Pre-Retirement Support Preretirement briefing Survivor Benefit Plan (SBP)/RCSBP counseling Retirement literature Career Status Bonus counseling Post-Retirement Support Retirement Services Office (RSO) Assistance with pay, ID cards, SBP Retiree Appreciation Day (RAD) Newsletters Installation Retiree Councils See: 2

3 States With NO State Income Tax AlaskaNew HampshireTexas FloridaSouth DakotaWashington NevadaTennesseeWyoming Home of Residence is determiner; not Home of Record! AlabamaIndiana*MississippiOklahoma* Arizona*Iowa*Missouri*Oregon* Arkansas*KansasMontana*Pennsylvania* Colorado*Kentucky*North Dakota*South Carolina* Connecticut*LouisianaNorth Carolina*Utah* Delaware* Maryland*New JerseyWashington DC* Hawaii Massachusetts New YorkWest Virginia* IllinoisMichiganOhioWisconsin * Conditions or limitations apply; check state law States That Do Not Tax Military Retired Pay Taxes 3

4 Dividing Retired Pay as Property ( Uniformed Services Former Spouses' Protection Act ) NOT AUTOMATIC Up to state courts Can award any amount Award not tied to length of marriage Direct payment requirements: – Marriage overlapped 10 years with service – Limited to 50% of “disposable” retired pay* * up to 65%, if other garnishments 4

5 Advantages to Applying to VA for Service-Connected Disability Even 0% rating documents health ($$ begins at 10%) Tax-free VA payments (additional $$ is paid to you for family members if you’re rated 30% or more) Lifetime reevaluations and appeals available from VA VA ID card expedites future VA care Survivor annuity payable if your death is service-connected $10K (or $30K) Service Disabled Veterans Insurance (SDVI) policy available to disabled At retirement, you have easiest access to your medical records to support your claim (can apply at any time) 5

6 VA rates disabilities 0% - 100% – Each % has an assigned dollar amount – 2012 amounts: from $127 (10%) to $2769 (100%) – Unrelated to Military rank since ’93 – Free VA medical care for service-connected conditions Monthly payments – Begin at 10% (CAN be 0% disabled) – Tax-free – 30% & higher = Extra dependent allowance – For retirees <50% disabled, offsets Military retired pay $ for $ VA Compensation for Service-Connected Disability 6

7 VA Service-Connected Disability Compensation Rates 7

8 VA Info Sources Online: Send e-mail inquiries Download forms Get benefits information Apply for benefits By Phone: Benefits: 1-800-827-1000 Education: 1-888-GIBILL-1 VA Life Insurance: 1-800-669-8477 SGLI/VGLI: 1-800-419-1473 Gulf War: 1-800-749-8387 TDD: 1-800-697-6947 In-Person: County VA Director (blue pages of phone book) 8

9 Concurrent Receipt Background Since 1890, Federal law has forbidden concurrent receipt of military retired pay & VA disability compensation Goal of New Laws Restore some or all of the pay that is offset to the most severely disabled CRSC: Enacted December 2, 2002 CRDP: Enacted January 1, 2004 9

10 Agenda What is CRSC? CRSC vs. CRDP CRSC Claim Workshop 10

11 What is CRSC? CRSC is Congressionally mandated program providing compensation for eligible retired veterans with “combat-related” injuries who have a 10-100% VA disability rating. CRSC began operation 1 June 2003 under the Army Human Resources Command (AHRC), by the United States Army Physical Disability Agency. How does CRSC help retired veterans? Replaces the VA disability compensation that’s subtracted from retired pay Restores military retired pay with tax free monthly payments and is paid retroactively Recognizes veterans for their sacrifice to our country 11

12 Who is Eligible? Must Have ALL three Must Have at least one “combat-related” VA Disability AND 1.Receiving military retired pay 2.Military retired pay is reduced by VA disability payments (VA Waiver) 3.Have a 10% or greater VA rated disability 1. Simulating War (SW) 2. Hazardous Service (HS) 3. Instrumentality of War (IN) 4. Armed Conflict (AC) 12

13 Service-Related vs. Combat-Related Service-Related Injury directly related to military service Example: –Hurt knee during Battalion run at Airborne School Combat-Related Injury Injury contributed to any of the following situations: Examples: –Simulating War - hurt knee while reacting to enemy fire during FTX –Hazardous Services - hurt knee on a night jump during SF school –Instrumentality of War - hit knee on rotating tank turret during FTX –Armed Conflict - shot in knee by enemy during Gulf War 13

14 Below is an example of the CRSC benefit: A retiree receives a total of $1,521 a month for military retired pay and has been awarded VA service-connected disabilities at 100% and combat “related” disabilities at 50% With CRDP Military Retired Pay (E7) $1,521 VA Offset - $1,521 VA Pay(100%) +$2,600 CRDP (100%) +$1,521 Total Pay = $4,121 Total $2,600 Tax-Free / $ 1,521 Taxed CRSC In Action With CRSC Military Retired Pay $1,521 VA Offset -$1,521 VA Pay (100%) +$2,600 CRSC (50%) +$750 Total Pay = $3,350 Tax-Free 14

15 Why Claims are Denied Top Reasons CRSC Claims are Not Approved: 1) Official documentation provided does not tell “HOW” the injury occurred to link it to a combat related event 2) The VA rating decision “narrative summary” was not provided 3) Claim was not signed by the retiree verifies “HOW Did I supply evidence that verifies “HOW” I got the injury? Before submitting your claim determine... 15

16 CRSC Claim Pages CRSC Claim Pages: Retired veterans complete pages 1 – 3 only when submitting a claim (the cover page and the appendix should not be mailed into the CRSC office) Each page provides a step-by-step guide to what information is needed 16

17 CRSC Claim Page 1 Section I Personal Identification Section II Preliminary CRSC Criteria Section III Service History Must provide copies of all evidentiary documentation Section III Service History Must provide copies of all evidentiary documentation Name and Social Security Number 17

18 18 CRSC Claim Page 2 Description of Secondary Disability (if applicable) Description of Secondary Disability (if applicable) Section IV Combat-relatedness determination (Description of Injury) Section IV Combat-relatedness determination (Description of Injury) When more than 1 combat-related injuries is documented: Photocopy this page, for each additional disability, complete, and attach with your claim form Name and Social Security Number Ambassador Coded Forms have V3AM in the top corner If you photocopy, be sure to fill in the “page _ of _” so we are aware that all applicable pages are present. 18

19 CRSC Claim Page 3 Section V Documentation Inventory Section VI – Certification and Waiver of Concurrent Retirement and Disability payments (CRDP) * Name and Social Security Number Signature REQUIRED! * If you are currently receiving CRDP payments and apply for CRSC, DFAS will give you whichever payment is higher. 19

20 Step 1-Review the CRSC Information Document, Claim Guide and Claim form on the CRSC web site (can be downloaded) Step 2-Review all of your VA rating decisions to see if they state - “HOW” you got the injury (see the document “Completing a Successful CRSC Claim” on our website for assistance) Step 3-Determine if any decision states HOW the injury occurred Step 4-If YES to Step 3, complete the CRSC claim form or apply online at If NO to Step 3, then go though your personnel and medical records to find any evidence verifying your claim (see the document “Completing a Successful CRSC Claim” on our website) Step 5-Attach required documentation and send completed claim form to: Department of the Army; ATTN: CRSC Division 200 Stovall Street; Alexandria, VA 22332 NOTE: The VA and MTF can accept documents that CRSC cannot. How to File a Claim 20

21 Submitting a Successful CRSC Claim DO Submit: –A signed claim form –Copies of ALL VA rating decisions which include the letter and the narrative summaries –Copies of ALL DD214’s and DD215’s –Official documentary evidence that supports “HOW” the specific disability being claimed can be linked to a combat-related event DO NOT Submit: –Medical records that do not pertain to the disability being claimed –Electronic media, EKGs, lab slips, or dental records –Personal or “Buddy” statements 21

22 Documentation – What you need to know CRSC needs to see a specific event that caused the disability being claimed in the medical documentation you provide Unnecessary paperwork can impede the claim process All documentation must be from a military treatment facility or VA medical center or clinic CRSC does not have access to your military records We know that there are many deserving Retirees that may never find evidence to verify their CRSC claim. However, regardless of why you do not have evidence, we will be unable to award any compensation from CRSC without something official that tells us how you got your injury or what caused your illness 22

23 How To Apply –complete DD Form 2860 – – attach supporting documents – mail to address on form Army information numbers: – 1-866-281-3254 Online info available at: − Combat-Related Special Compensation (CRSC) 23

24 Concurrent Retirement & Disability Pay (CRDP) No application; VA & DFAS match files Retired pay restored for those VA rated 50 – 100% Based on SERVICE-connected conditions (not necessarily combat-related) 10-year phase-in, 2005 – 2014 Taxable 2012 99.64% 201399.96% 2014 100.00% Phase in Cannot receive both CRSC and CRDP 24

25 VA Disability Payments Retired pay is reduced dollar-for-dollar by VA Disability Pay unless the Soldier qualifies for Concurrent Retirement and Disability Pay (CRDP) Example Only NOTE: All Soldiers retired at the same pay grade and years of service 25

26 CRSC vs. CRDP Decision Matrix A Decision Matrix CRSC Benefit CRDP Pay Full Concurrent ReceiptYes No – 10 yr phase in (except 100% ratings) VA Rating Starts At10%50% Federal TaxTax FreeTaxed File ClaimsMust ApplyAutomatic Retroactive PayYesNo Qualified InjuryCombat LinkedService Connected Subject to Uniform Services Former Spouse Protection Act (USFSPA) NoYes SBP (Survivor Benefit Plan) 1 October 1972NoYes Available to Chapter 61 Medical and TDRL retirees with less than 20 years of service YesNo Available to TERA retireesYes 26

27 Thank you for your Service!! 27

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