1. Officer Opportunities in the Navy Reserve
“Protect Your Investment –Stay Navy”
This brief is to give a quick overview for Commanding Officers and other Active Component Influencers information necessary to encourage Reserve Affiliation. The goal is to get the departing active duty member to be educated about the Reserve and then have them contact a local recruiter to complete the affiliation process.

2. Walking Completely Away From The Navy?
Look Before You Walk!
A Minimal Time Commitment To The Navy Reserve Earns:
Secure Retirement Pension
Medical Retirement Benefits
Extra Monthly Income Now
Navy Camaraderie, SGLI, Paid Travel and more…
Ask the officer leaving active duty to keep an open mind and understand the value, then make an educated decision about your future.

3. Benefits
Reserve Retirement benefits (after 20 qualifying years of service)
Affiliation Bonuses and Critical Wartime specialty pays (NAVADMIN 294/07)
2 Yr Mob Deferment/Try the Reserve Initiative (NAVADMIN 007/07)
Receive 1 day of pay per every 4 hours of drill. Receive 4 days of pay for a typical drill weekend along with flexible drill opportunities.
Full low cost medical coverage for you and your family. New Tricare Reserve Select while drilling. At age 60, Tricare Prime (cost comparisons and prescription comparisons to follow in slides)
Family Dental Plan
SGLI $400,000 ($29 a month)
Network for jobs and business opportunities
TSP eligible
Montgomery GI Bill ($309 a month full time)
Camaraderie, pride and patriotism
Recall / Active Duty for Special Work (ADSW)/Full Time Support (FTS) opportunities
Educational Benefits (Navy College, Dantes, CLEP, Apprenticeship Program)
Space “A” availability for air travel
Full MWR privileges (golf, gym, & theater)
Unlimited Navy Exchange & Commissary visits
Retirement includes a monthly paycheck and medical coverage at age 60.
*New Tricare Reserve Select is great coverage that can be much less expensive. Its great for those starting there own business, students, or in smaller firms that have very expensive monthly payments!
2 Yr Deferment – allows the officer to try the Reserve and see if it’s a good fit – nothing to lose and everything to gain!
SUBJ: R Z OCT 02 DFAS CLEVELAND OH THE FEDERAL LONG TERM CARE I NSURANCE PROGRAM//  UNCLAS UNCLAS //N07220// MSGID/GENADMIN/DFAS-CL-PMMF// SUBJ/THE FEDERAL LONG TERM CARE INSURANCE PROGRAM// DRILL PAY ADVISORY 09/02// REF/A/DOC/PUBLIC LAW // POC/RESERVE PAY DIVISION/NMPO CODE PMMC/COMM (216) /5335 DSN /5335// RMKS/ 1.  IAW REF A FEDERAL LONG TERM CARE (LTC) INSURANCE IS A CONGRESSIONALLY MANDATED PROGRAM ESTABLISHED TO PROVIDE LONG TERM CARE INSURANCE FOR FEDERAL EMPLOYEES INCLUDING MILITARY MEMBERS AND THEIR FAMILIES. PAGE 02 RUEOMFN9547 UNCLAS 2.  LONG TERM CARE INSURANCE IS NOT A GOVERNMENT INSURANCE PROGRAM. IT IS A PRIVATE LONG TERM CARE INSURANCE OFFERED TO DOD CIVILIANS, MILITARY MEMBERS (ACTIVE AND RESERVE) AND THEIR DEPENDENTS BY THE OFFICE OF PERSONNEL MANAGEMENT AND THEIR LONG TERM CARE (LTC) PARTNERS (WHICH CONSISTS OF JOHN HANCOCK AND METROPOLITAN LIFE). 3.  THE PROGRAM IS EFFECTIVE 1 OCT 2002.  THE FIRST PREMIUM DEDUCTION WILL APPEAR IN THE 15 OCTOBER 2002 PAY DATE FOR MILITARY MEMBERS WHO HAVE ENROLLED IN THE PROGRAM. 4.  PROCEDURES FOR ENROLLMENT, ELIGIBILITY, AND PREMIUM BILLING OP- TIONS ARE AVAILABLE FROM LTC PARTNERS. 5.  LTC PARTNERS IS THE CONTRACTED PROVIDER FOR FEDERAL LONG TERM CARE INSURANCE.  LTC PARTNERS WILL PROCESS ALL ACTIONS FOR PREMIUM BILLING FROM PAY FOR NAVAL RESERVE MEMBERS.  LTC PARTNERS WILL HANDLE ALL REJECTS AND OR INQUIRIES RELATED TO THE FEDERAL LONG TERM CARE INSURANCE PROGRAM. 6.  ALL MILITARY MEMBERS SHOULD CONTACT LONG TERM CARE PARTNERS FOR NEW ENROLLMENT REQUESTS AND OR ALL INQUIRIES/QUESTIONS REGARDING THE FEDERAL LONG TERM CARE INSURANCE PROGRAM.  LONG TERM CARE PARTNERS CAN BE CONTACTED AT THE FOLLOWING PHONE NUMBER: OR AT WEB SITE ADDRESS: BT #9547 3

4. StayNavy's Retirement Calculator
Retirement Pay (05)
Yellow blocks require user input. Some are drop down lists, and others require you to type in your response.
Reserve Retirement Pay Calculator (Version 3)
Answer true or false: YOU INITIALLY ENTERED THE MILITARY BEFORE 8 SEPT 1980?
What is your age? Be honest, it’s very important!
How many qualifying years do you have RIGHT NOW? (Each complete year of active duty is a qualifying year)
Enter ALL your CURRENT points. (Use 360 points for each year of active duty)
Most drilling Reservists earn 75 points/year, what will your YEARLY AVERAGE of points be?
How many qualifying years will you have when you retire from the Reserve? (Normally, before age 60)
Based on the inputs in questions 3 thru 6, the TOTAL POINTS used to COMPUTE your retired pay are:
What PAYGRADE do you expect to be when you RETIRE from the Reserve?
If you will be 54 OR YOUNGER when you retire (without pay, before age 60), use 26 years in question 8.
Most people have 26 YEARS (FOR PAY PURPOSES ONLY) at AGE 60, how many will you have?
Using pay raises of % (Annual average) your PROJECTED RETIRED PAY AT AGE 60 WILL BE:
Use A & B to compute the TOTAL VALUE of your retired pay. C is a simple savings comparison.
How many years do you think you will receive retired pay? Pay starts at age 60 (Example 60+40=100 yrs old)
Using an annual % cost of living allowance raise (COLA), the total value of your retired pay will be:
Using an annual % compounded interest rate for 20 years, You would annually have to save:
FALSE 28 6
2080 75 20
3130 05 26
$4,090
$1,279,406
$42,965
At age 60, depending on length of service in AC, age and rank, the retirement is substantial. The above individual would make over $4K per month and annual increases to equal over 1 million dollars with just 6 years of active time! In order to save that type of money for the golden years, the individual would have to save over $43K per year for the next 20 years! This also does not include TSP!!!!!
StayNavy's Retirement Calculator
Print
Report

5. TRICARE Reserve Select (New in Fiscal 2008)
MEMBER ONLY
FAMILY
One Tier System
Monthly Premium $81
Annual deductible E4 & below: $50
Annual deductible E5 & above: $150
Prescription Drug Plan
One Tier System
Monthly Premium $253
Annual deductible E4 & below: $100
Annual deductible E5 & above: $300
Prescription Drug Plan
Monthly premium is low for family and member! Great for students, business owners and those that work in small companies. At a minimum this allows for options and much cheaper then COBRA if considering changing jobs!

6. TRICARE Retirement (Family Medical Plan Comparison)
BLUE CROSS/SHIELD
Annual Premium $460
No Deductible
$12 Co-pay (office visit)
$3 Co-pay Generic Drug Prescriptions
$9 Co-pay Non-Formulary Brand Name Prescriptions
Free TRICARE for Life Supplements Medicare
Annual Premium $14,994
No Deductible
$20 Co-pay (office visit)
$10 Co-pay Generic Drug Prescriptions
50% of Retail Cost for Non-Formulary Brand Name Prescriptions
Up to $138 Per Month to Supplement Medicare
Retirement Plan. Most 20 somethings aren’t thinking about retirement health benefits but a difference of 14K annually (over 20 yrs is 280K) could be some great vacations and golf games for the retiree + your retirement pay. Americans are living longer and this will continue to add up as the average life span continues to lengthen.

7. Prescription Cost (Examples Comparison)
Non-Formulary:
Lowest Online Price
Blue Cross/Shield
TRICARE Prime &
Reserve Select
Lipitor
$86
$43 $9
Ambien
$149
$75 $9
Most seniors cannot afford prescriptions due to the high cost. This may seem trivial at this stage in the officer’s life, but have them talk to their parents/grandparents so that they can understand the true value.

8. Career Opportunities: Civilian & Military
Affiliation with the Navy Reserve can lead to additional civilian career opportunities:
Network with Naval Officers who already have successful civilian careers
“Built-in” wardroom of advocates/references who want you to succeed.
Establish your civilian career by taking advantage of a Mobilization Deferment for up to 2 years (NAVADMIN 007/07)
Join a unit with a planned, periodic rotation cycle (i.e. coastal warfare, Seabee, etc.)
Volunteer for a mobilization when if fits your schedule
~90% volunteer rate for RC mobilizations (unit or IA)
See backup slide for mobilization rates
NAVADMIN 007/07: All Veteran Personnel who affiliate with the Navy Reserve within 6 months (183 days) of release from active duty qualify for a 2 year deferment from Involuntary Mobilization; affiliate with the Navy Reserve between 7 and 12 months ( days) of release from active duty and qualify for a 1 year deferment from Involuntary Mobilization (NAVADMIN 007/07)
Sailors can volunteer to perform a mobilization during their deferment period; however, it is strictly voluntary.

9. Civilian Pay vs. Reserve Pay (What you get for your time)
A Drilling LT (over 4 yrs on pay scale) 36 days per year = $8400 annually ($35/hour), plus a retirement at age 60!
Justification: 36 days /yr from the below:
24 drill days (48 drills/1weekend per month) + 12 days annual training=36 days/year to secure retirement pay and medical benefits for you and your spouse.
Assumption: LT comes off of AD with 5 yrs.
36 days x 15 years = 540 days which equates to 2.25 years of total work to earn your retirement and peace of mind for your family.
For 2.25 years of actual additional work, the officer is looking at almost 2 million dollars.
Est. 1.3 million dollars (if you draw on your pay for 20 years and are an O-5)
+ Est 280K of savings in medical premiums over a 20 yr period = 1.5 million retirement + intangible benefits!

10. CUMULATIVE YEARS OF SERVICE
Drill Pay – Effective January 1, 2008
CUMULATIVE YEARS OF SERVICE
PAY
GRADE
<2
>2
>3
>4
>6
>8
>10
>12
>14
>16
>18
>20
>22
>24
>26
0-7
1 Drill
4 Drills
0-6
0-5
1Drill
0-4
0-3
0-2
0-1
0-3E
0-2E
0-1E
7,269.60
242.32
969.28
5,388.30
179.61
718.44
4,491.60
149.72
598.88
3,875.70
129.19
516.76
3,407.40
113.58
454.32
2,943.90
98.13
392.52
2,555.70
85.19
340.76
7,607.40
253.58
1,014.32
5,919.30
197.31
789.24
5,059.80
168.66
674.64
4,486.50
149.55
598.20
3,862.80
128.76
,353.10
111.77
447.08
2,659.80
88.66
354.64
7,763.70
258.79
1,035.16
6,307.80
210.26
841.04
5,410.50
180.35
721.40
4,785.60
159.52
638.08
4,169.40
138.98
555.92
3,861.90
128.73
514.92
3,215.10
107.17
428.68
7,887.90
262.93
1,051.72
6,307.80
210.26
841.04
5,476.20
182.54
730.16
4,852.50
161.75
647.00
4,545.60
151.52
606.08
3,992.40
133.08
532.32
3,215.10
107.17
428.68
8,112.60
270.42
1,081.68
6,331.80
211.06
844.24
5,694.60
189.92
759.28
5,130.30
171.01
684.04
4,763.10
158.77
635.08
4,074.30
135.81
543.24
3,215.10
107.17
428.68
3,433.80
114.46
457.84
8,334.90
277.83
1,111.32
6,603.30
220.11
880.44
5,825.70
194.19
776.76
5,428.20
180.94
723.76
5,002.20
166.74
666.96
4,074.30
135.81
543.24
3,215.10
107.17
428.68
4,204.20
140.14
560.56
3,560.40
118.68
474.72
8,591.70
286.39
1,145.56
6,639.00
221.30
885.20
6,113.10
203.77
815.08
5,799.00
193.30
773.20
5,157.00
171.90
687.60
4,074.30
135.81
543.24
3,215.10
107.17
428.68
4,423.20
147.44
589.76
3,690.30
123.01
492.04
8,847.90
294.93
1,179.72
6,639.00
221.30
885.20
6,324.00
210.80
843.20
6,088.20
202.94
811.76
5,411.40
180.38
721.52
4,074.30
135.81
543.24
3,215.10
107.17
428.68
4,592.40
153.08
612.32
3,817.80
127.26
509.04
9,105.00
303.50
1,214.00
7,016.40
233.88
935.52
6,596.40
219.88
879.52
6,288.90
209.63
838.52
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,625.60
187.52
750.08
4,718.40
157.28
629.12
3,992.40
133.08
532.32
9,912.30
330.41
1,321.64
7,683.60
256.12
1,024.48
7,013.70
233.79
935.16
6,404.10
213.47
853.88
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,748.60
191.62
766.48
4,718.40
157.28
629.12
3,992.40
133.08
532.32
10,594.20
353.14
1,412.56
8,075.10
269.17
1,076.68
7,212.00
240.40
961.60
6,471.00
215.70
862.80
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,916.00
197.20
788.80
4,718.40
157.28
629.12
3,992.40
133.08
532.32
10,594.20
353.14
1,412.56
8,466.30
282.21
1,128.84
7,408.50
246.95
987.80
6,471.00
215.70
862.80
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,916.00
197.20
788.80
4,718.40
157.28
629.12
3,992.40
133.08
532.32
10,594.20
353.14
1,412.56
8,688.90
289.63
1,158.52
7,631.10
254.37
1,017.48
6,471.00
215.70
862.80
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,916.00
197.20
788.80
4,718.40
157.28
629.12
3,992.40
133.08
532.32
10,594.20
353.14
1,412.56
8,914.50
297.15
1,188.60
7,631.10
254.37
1,017.48
6,471.00
215.70
862.80
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,916.00
197.20
788.80
4,718.40
157.28
629.12
3,992.40
133.08
532.32
10,594.20
353.14
1,412.56
9,351.90
311.73
1,246.92
7,631.10
254.37
1,017.48
6,471.00
215.70
862.80
5,543.40
184.78
739.12
4,074.30
135.81
543.24
3,215.10
107.17
428.68
5,916.00
197.20
788.80
4,718.40
157.28
629.12
3,992.40
133.08
532.32

11. How Do I Earn Retirement Points?
1 day on active duty = 1 point.
1 drill period = 1 point. (Four in a weekend)
Each correspondence course has its own worth. Excellent way to earn points.
15 points a year for just being a Reservist
Talk with a recruiter to figure out your individual points and individualize your retirement calculator.
You can download your NEOPS report right at your laptop by logging on to:
This allows reservists to view and print their participation record in a secure environment, 24 hours a day, 7 days a week. This service is available to all selected reservists (unless on recall to active duty), IRR members, members on the temporary disabled retired list, retired reservists without pay and NRA's (reserve activities, air facilities, redcoms and PSD's).
Log on to the site and further directions are provided.

12. Retirement Requirement
MUST EARN 20 GOOD YEARS COMBINED ACTIVE AND RESERVE:
Need 50 minimum points to have a good qualifying year based on your anniversary date. (Must earn 35 points annually + 15 gratuitous days).
Can obtain a total of 130 points via drills and correspondence courses … equal to four months on AD!
You earn 15 points, gratuitous, if in the IRR or a SELRES. A good year consists of 50 points. So, you only need to earn 35 additional points in any given year.
Each day you spent on active duty you earned 1 retirement point. As a SELRES you earn 1 point for each drill (1 drill equals 4 hours). One month (or weekend) of drill will net you 4 retirement points. Each day of your Annual Training (AT) you earn 1 point (same as on active duty). If you take an ADSW you earn 1 point for each day (incidentally, if you take an ADSW you will receive an new DD214). There are a total of 48 drills in a year (4 drill periods per month).
As a SELRES, in a paid billet, you must do 40 of 48 possible drills and a 12 day AT. So, you will earn a minimum of 67 points as a SELRES (15 gratuitous plus 40 plus 12). If you do all 48 drill periods you will earn 75 points for the year. Congress has placed a maximum ceiling of 90 points for SELRES members.
To stay active in the Reserve you must get at least 27 points. This will not give you a good year toward retirement but you will avoid going S-2 status.

13. How Easy is it to find a Unit and Work with My Schedule?
There are Navy Operational Support Centers (NOSCs) and Reserve units throughout the country. (see next slide)
If it is over 50 miles from your home, the Navy pays for billeting during your drill weekend.
Flex Drill/Reschedules are also available. This allows the Reservist to perform duties on a schedule that meets the needs of the Navy and the Reservist.
Its more manageable then you think, and drilling sites are throughout the country not just in Norfolk and San Diego.

14. 2008 Navy Reserve Force Drill Sites

15. What kind of work is there?
Officers will be given leadership assignments much like active duty and train with the supported command, alongside their AC counterparts:
Division Officer Tour
Department Head Tour
Command Tour (CO/XO)
Officers may work in their specialized designator using their specific warfare training or they may be filling a non-warfare specific job that allows a new experience and focus more on staff work, research, ground job experience …..

16. Work with the Local Recruiter
Local recruiter will ensure a smooth transition to SELRES.
A wealth of knowledge:
local procedures
PSD liaison
Customize a retirement calculator based on your experience
medical facilities liaison
Verify that you are on scroll to ensure there is no break in service for a Reserve Commission
Find the billet that is right for you through JO Apply.
If you are leaving the area of your current duty station, you need to work with the local recruiter as well as the recruiter in the area you are relocating to. The local recruiter will ensure all your paperwork is in order (DD214, reserve oath, physical, etc) and that you keep your records. He/she has rapport with the local PSD’s and ships that will allow for a smoother transition.
Active duty medical facilities are not familiar with SELRES affiliation requirements. Physical requirements for separation are different than affiliation requirements. For instance, for separation your physical is good for 5 years, for reserve affiliation your physical is good for only 2 years and you must have a DD (self assessment) or SF600, no older than 90 days from your date of affiliation as a SELRES.

17. Information and Links To learn about the Navy Reserve
To learn about the benefits of the Navy Reserve
To create a personal pay calculator
To find a recruiter in your area

18. Back-up Slides

19. Current Mobilization Deferment Policy
All Veteran Personnel who affiliate with the Navy Reserve within 6 months (183 days) of release from active duty qualify for a 2 year deferment from Involuntary Mobilization, Sailors who join the Reserves seven to 12 months after leaving active duty are eligible for a one-year deferment. (NAVADMIN 007/07)

20. Mobilization Facts URL LT & LCDR who were/are mobilized by Fiscal Year
FY08 Q1
6 SWO’s
2 Pilots
0 NFO’s
FY07
41 SWO’s
24 Pilots
7 NFO’s
FY06
77 SWO’s
27 Pilots
22 NFO’s
FY05
31 SWO’s
25 Pilots
2 NFO’s
LT & LCDR in the RC as SELRES (as of FY08 Q2)
770 - SWO’s (1115)
833 - Pilots (1315)
247 - NFO’s (1325)
~90% volunteer for a mobilization

21. Can a URL perform a Mobilization?
Limited Opportunities for Traditional Fleet Officers
For every quarterly URL requirement the RC fills, there are numerous URL’s competing for that mobilization*:
~ 85 LT’s for each one 59 LCDR’s for each slot
~ 122 LT’s for each one 184 LCDR’s for each slot
~ 123 LT’s for each one 86 LCDR’s for each slot
Best Option to get Mobilized Volunteer
About 90% of RC mobilizations are volunteers!
Individual Augmentation (IA) or
Join a unit with a planned, periodic mobilization schedule (i.e. coastal warfare, Seabees, etc.)
CNA conducted a study on Limited Supply/High Demand (LS/HD) Skills. The study covered a 2-year period from July 2005 – June 2007.
*CNA study: SELRES Manning in Limited-Supply/High-Demand Skills, Feb08