18 Year Guaranteed Retirement Military


I Received A Letter From Vac That Says I Am Eligible For The Rehabilitation Services And Vocational Assistance Program But My Release Date Is On Or After March 31 2019 Can You Explain What This Will Mean For Me

Retired army colonel accuses Pentagon leadership of lying to Americans

Some still-serving members apply for VAC Rehabilitation Services prior to their release. If you applied for rehabilitation services while serving, you may have received a letter from VAC about your future eligibility. However, if your release is on or after March 31, 2019, the decision in the letter you received may change due to these changes to VAC rehabilitation services. Please contact VAC if you find yourself in this situation. To contact the nearest CAF Transition Center , go to the link: www.canada.ca/en/department-national-defence/services/benefits-military/health-support/casualty-support/ipsc.html.

Us Air Force Age Limits

The United States Air Force has over 320,000 active-duty airmen.

It also employs 105,700 Air National Guard and an additional 69,000 reservists.

Lastly, the U.S. Air Force has over 140,000 civilian employees.

The military branch is third in terms of active enrollment behind the Army and Navy.

Here are the minimum and maximum ages required to join the U.S. Air Force:


Minimum Age: 17 years old Maximum Age: 39 years old


Minimum Age: 18 years oldMaximum Age: 39 years old*

*Certain healthcare-related military jobs or ministry allow you to be up to 48 years in age.

Registered Disability Savings Plans

Registered Disability Savings Plans are designed to help Canadians living with a disability save for the future and may be used for retirement savings.

To be eligible to receive money from an RDSP, you must be:

  • a Canadian resident with a Social Insurance Number
  • eligible for the disability tax credit

Anybody can contribute to your RDSP as long as you give them written permission to do so. You can contribute as much as you want to an RDSP each year, up to a maximum of $200,000 in your lifetime. This $200,000 also includes contributions others make to your RDSP. RDSP contributions are not tax deductible. However, withdrawals from an RDSP are not considered income. This means they wont impact your income-based benefits, such as the Guaranteed Income Supplement .

If you have an RDSP, you may also be eligible for grants and bonds. This means that the government may add extra money to your RDSP, although this may depend on your other income, your age, or when you make contributions. This money does not count toward your $200,000 lifetime contribution limit.

If you become ineligible for the disability tax credit, you may have to close your RDSP and repay some or all of the money that was paid into it by the government within the last 10 years.

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Why Is It Taking So Long To Pay The Supplementary Retirement Benefit Payout

When it came to implementing Pension for Life, our top priorities were to ensure that all Veterans with existing benefits were successfully converted to the new benefits, that monthly benefits were in place beginning 1 April 2019, and that there was no disruption to the regular payment schedule.

We are now focused on calculating and processing the high volume of Supplementary Retirement Benefit payouts.

New Military Retirement Plan

United States US Army, Retired, Veteran or Vietnam Veteran Birch Wall ...

To modernize the military retirement system, the Military Retirement Modernization Commission recommended changes to the system which will reduce the cost to the government and require military members to contribute to their own retirement. Since 83% of servicemembers do not stay in the military for the full 20 years required to get the normal retirement benefit, the Commission proposed a new system which includes a defined benefit, a defined contribution to the Thrift Savings Plan , and Continuation Pay for members who have more than 12 years active duty. This will result in higher retirement income for most members, and allow people who don’t complete the 20 years required for full retirement to save some money towards their retirement.

BG Mike Meese, USA, Ret., COO of AAFMAA described the new retirement plan to military.com and explained that the new system is made up of 3 specific components:

  • Defined Benefit:
  • Retired pay will be 2% times number of years of service. If you retire at 20 years you get 40% of your final base pay. If you retire at 30 years you get 60% of your final base pay.
  • Defined Contribution:
  • The military would contribute 1% of your base pay to your Thrift Savings Plan account.
  • You would be automatically enrolled with a 3% base pay contribution to your TSP.
  • The military would match up to 5% of your contribution, after of 2 years of service.
  • Continuation Pay:
  • Services can increase continuation pay bonuses, if needed.
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    Sanctuary Is Only Approved When There Is A Great Need

    The most critical aspect of Sanctuary is that it only happens when your service has an urgent need for your skills. Its not a reward for your years of Reserve duty or mobilizations. Its because the military needs a trauma surgeon right now or a combat-experienced officer to fill a critical billet on a joint warfare commanders staff.

    Those are servicemembers I know whove claimed Sanctuary or who have written me to share what theyve learned from it.

    Another critical aspect of Sanctuary is that it costs your service a lot of money. When you apply for a Reserve retirement, the DoD funds your pension.

    However, DoD will not pay the bill for a Sanctuary-related pension. When a service decides that they need to mobilize you into Sanctuary, they have to be willing to fund it with their own money.

    When a Reserve or Guard member claims Sanctuary and upgrades from a Reserve pension to an active-duty pension, DoD makes the service pay the active-duty pension out of their personnel funds until the retiree reaches age 60. When your service gives you a Sanctuary sweet deal, its because theyre fixing a crisis.

    Things To Consider When Taking Money Out Of A Tfsa

    You can withdraw the money from a TFSA at any time without having to pay tax on it. This can be helpful when you have to deal with an unexpected expense, such as a health problem or home repair. However, you may have to wait until the next year to put it back in.

    For example, lets say youve already reached your TFSA contribution limit and take $5,000 out of your TFSA. If you put any more money in your TFSA before the next year, you will have to pay a penalty tax.

    The money you take out of a TFSA is not considered income. This means that it will not impact the money you get from federal government benefits that are based on your income, such as the Old Age Security and the Guaranteed Income Supplement .

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    The Veterans’ Ombudsman Has Made A Number Of Observations And Recommendations To Address Systemic Issues Between Vac And Dnd That Are Creating Extra And Unnecessary Red Tape What Are The Government’s Plans To Address And Correct Those Issues And What Is Your Expected Timeline

    The Veterans’ Ombudsman has made a number of recommendations to improve the lives of Veterans and their families. In a recent report, the Ombudsman noted that out of the 57 recommendations that were developed in collaboration with Veterans’ advocates and organizations, 37 have been fully or partially implemented, and that six of the items in the Minister of Veterans Affairs’ Mandate Letter are based on his recommendations.

    In Budget 2017 the Government committed to develop an action plan that will see VAC and DND addressing the overlap and gaps that currently exist for Canadian Armed Forces members released from the military. The plan will also simplify benefits so that the process is easier to navigate, gets Veterans their services quicker and helps them transition to life after service.

    Question #2 The 7200 Point Myth

    Tucker: Military lowering standards in name of diversity

    I understand that Reservists whove earned at least 7200 retirement points by their last day of Reserve duty become eligible for an immediate active duty retirement. If so, will they immediately receive retirement pay for BOTH the accumulated active duty points AND the inactive duty points, or must they wait through the grey area for the inactive duty points?

    Does accumulating 7300 total points of inactive duty points and active duty time and over 20 satisfactory years warrant an active duty retirement right away, or does the member still collect at age 60?

    I have gotten mixed reviews on this one and have wondered about it. Ive talked to folks in D.C., and even they say 7300 points is the magic number to hit, no matter the combination of Active and Reserve time you have.

    Reader #2 is now more knowledgeable on federal law and the DoD Sanctuary system. He knows where to look it up in the references and in his services instructions instead of relying on the tribal lore of the folks in DC. He also understands that its doubtful that hell ever reach Sanctuary, and hes expecting a Reserve pension instead of an active-duty one.

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    Scenario 1: Sergeant Michele Blackburn Wondering If She Should Buy Back 13 Years Of Previous Reserve Force Service

    Sergeant Michele Blackburn

    • Joined the Reserve in 1994 when she was 25
    • Average number of days worked per year: 100
    • Current daily rate: $140
    • Can buy back 13 years of past service

    Sergeant Blackburn lives in Manitoba and works as a nurse at the local hospital. Sergeant Blackburn joined the Reserve in 1994 when she was 25 years old. She joined the Reserve Force Pension Plan in 2007.

    Sergeant Blackburn can buy back 13 years of past service. If she decides to buy back the 13 years, the cost to her would be $11,500. She knows that buying back past service will increase the value of her pension when she leaves the Reserve, but she wants to have a better idea of the impact on her pension before investing the time and resources required to buy back the past service. She also knows she must initiate the buy back before the March 1, 2011 deadline.

    Sergeant Blackburn’s pension benefits

    If she chooses to buy back her 13 years of past service, Sergeant Blackburn can retire with a full pension as of March 31, 2024 at age 55. If she chooses not to buy back those years, Sergeant Blackburn can retire with a full pension after she turns 60 in February 2029.

    • Serving Class A
    • Plans to stay in the Reserve until age 60, never serving more than Class A

    Corporal Goyette’s pension benefits

    Corporal Goyette can retire with a full pension in February 2034 after she turns 60. In addition to her lifetime pension amount, she will receive a bridge benefit until she reaches age 65 .

    What Happens When Youre Close To Sanctuary

    A side effect of avoiding this expense is that the Reserve and Guard personnel staff spend a lot of time and money tracking your point count. If you go over 16 years of points, youre placed in a special database to ensure that your service doesnt inadvertently enable you to reach Sanctuary.

    Any orders for longer than 29 days require approval at higher levels of the chain of command. Any orders that would put you into Sanctuary status have to be approved by your services personnel general or admiral.

    A common misconception is that Sanctuary eligibility happens on any type of orders. The reality is that a servicemember has to be mobilized and on active duty when they cross the 18-year line into Sanctuary.

    These orders are not AT or ADT or any sort of training orders. The servicemember also has to agree to stay on active duty until theyre eligible for a regular active-duty retirement, and they are issued a new set of orders to take them to that date. They cant be extended past 20 years for any other reason unless they leave their Reserve/Guard status and apply for permanent active-duty status.

    A final misconception is that the military has to approve Sanctuary. Even if mobilization orders are approved, you could still be required to sign a waiver of your Sanctuary rights. No waiver, then no orders and no Sanctuary.

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    Pay Allowances And Promotions

    Service members are paid twice a month based on pay grade, service requirements and time in service. A paycheck generally consists of base pay plus special pays and allowances, if a service member is eligible.

    There are many different types of allowances, including the Basic Allowance for Housing , Basic Allowance for Subsistence , cost-of-living adjustments and so on.

    The Military promotes people based on a combination of job knowledge and performance, time served at that level, physical fitness and the needs of the Service. Individuals joining the enlisted ranks are typically promoted three times during the first four-year enlistment. Officers are usually promoted twice during the same period.

    What Are You Doing To Address Issues To Improve Service Delivery For Veterans

    US Army Veteran Hats Military Cap Air Force Retired Vietnam War ...

    We know that we are falling short of service delivery excellence. Now that we have delivered a balanced and effective combination of programs and servicesof which the Pension for Life announcement was the final piecewe are turning our full attention to improving our department’s service delivery.

    While there is much to do, we have already made and are in the process of making improvements. These include:

    • Ensuring accurate wait times for disability benefits are prominently displayed
    • Implementing our new Guided Support level of support for those who need more than a phone call but less than a Case Manager and,
    • Improving our digital tools, like the My VAC Account digital portal, which now includes direct messaging with VAC staff.

    Looking at our internal processes, we are working towards an integrated, simplified and user-friendly service delivery model. Our vision for service excellence is:

    • Veterans transition seamlessly from the CAF to VAC and into the VAC services they need when they need them.
    • Veterans will get one application, assessment, exam and decision. Veterans don’t do the work, we do.
    • Veterans receive the right support for all of their needsthis continues as their lives evolve.
    • Veterans consistently have a responsive, compassionate, and uncomplicated service experience regardless of where they live or how they choose to deal with us.

    More information on our Service Delivery Review and our pursuit of service excellence can be found on our website.

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    Where Can I Get Financial Advice To Help Me Make A Decision On Which Option To Select

    There are many agencies that provide financial advice including banks, private companies and community-run groups. Members and Veterans can make a choice based on their own preference.

    Veterans Affairs Canada will pay up to $500 for members and Veterans to access financial counselling or advice services from a provider of their choice.

    Scenario : Captain Lisa Aldridge Planning To Serve For 25 Years In The Canadian Armed Forces And To Retire At A Young Age

    Captain Lisa Aldridge

    • Joined the CAF: April 1, 1999
    • 10 years of pensionable Canadian Forces service

    Captain Aldridge joined the CAF in 1999 and has no previous service she can buy back. Her pension benefit will be calculated under the new rules, in place on March 1, 2007.

    Captain Aldridge plans to serve her full 25 years with the CAF at which point she will retire with an unreduced pension.

    Captain Aldridge’s pension benefits

    Captain Aldridge can retire with a full pension as of March 31, 2024. In addition to her lifetime pension amount, she will receive a bridge benefit until she reaches age 65 .

    • Joined the CAF: April 1, 1991
    • Serving on an IPS
    • 12 years of full-time service with the Public Service

    Master Warrant Officer Landau joined the CAF at the end of 1991. He is currently serving on an IPS and has 18 years of pensionable service. His pension will be calculated using the new rules, which were in place on or after March 1, 2007. He will be eligible to retire with an unreduced pension at age 60.

    MWO Landau has 12 years of previous service with the Public Service. If he buys back his previous service, he will be eligible to retire immediately with an unreduced pension since he would reach the threshold of age 55 with 30 years of service. The cost of buying back the 12 years would be $72,650.

    Master Warrant Officer Landau’s pension benefits

    In both cases, he will receive a bridge benefit until he reaches age 65 in addition to his lifetime pension amount .


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    What Can Survivors And Surviving Dependent Children Receive Under The Income Replacement Benefit

    If a Veteran in receipt of the IRB dies before age 65 of non-service-related causes, the survivor and orphan may qualify for a lump-sum payment equal to 24 months of the amount that the Veteran would have been entitled to in the month they died.

    If a CAF member or Veteran dies before age 65 of service-related causes, the survivor and orphan may qualify for the same amount of IRB amount as the member or Veteran could have received , before offsets, until age 65.

    The month after the CAF member or Veteran turns 65, the benefit reduces to 70% of what the they would have received after age 65 . Any income sources the survivor receives in respect of the CAF member or Veteran is then deducted from their IRB amount.

    If a Veteran in receipt of the IRB dies after age 65 , the survivor and surviving orphans may qualify for 70% of what the Veteran’s IRB would have been after the age of 65 before offsets. Any income sources the survivor receives in respect of the Veteran will be deducted from their IRB amount. There are no offsets for orphans.

    Division of the Benefit

    If an Income Replacement Benefit is payable to a survivor and/or orphans, the following rules apply to the division of the benefit:

    If there is a survivor but no orphans the survivor will receive 100% of the Income Replacement Benefit.

    If there are one or more orphans but no survivor, each orphan is entitled to the amount obtained by dividing the Income Replacement Benefit by the number of orphans.

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