Timeline

The Military Retirement Timeline: 24 Months Out, Month by Month

Every hard deadline back-planned from your date — TAP at 365 days, the BDD window, Capstone, and the SBP decision.

TAPVA BDDSkillBridgeAll branches
Leave & pay

Terminal Leave vs. Sell-Back: The Real Math

The per-day value is not equal — allowances, taxes, the 60-day career cap, and SkillBridge all move the answer.

Terminal leaveSell-backBAHTaxes
Branch checklist

Air Force Retirement Checklist: Every DAFI Deadline

The myFSS window, TAPS deadlines, the SHPE window, SkillBridge via AFVEC, and the retired-grade trap — with DAFI citations.

Air ForceSpace ForcemyFSSSHPE
Branch checklist

Army Retirement Checklist: The SFL-TAP Timeline

SFL-TAP's tiered deadlines, the AR 600-8-24 / AR 635-200 windows, AGDRB grade determination, and CSP/SkillBridge.

ArmySFL-TAPCapstoneCSP
Survivor benefits

SBP vs. Life Insurance: Running the Break-Even

What SBP costs (6.5%), what it pays (55%, inflation-protected), when premiums actually stop, and how to compare term honestly.

SBPLife insuranceSpousePermanent decision
Branch checklist

Navy Retirement Checklist: Fleet Reserve and the NSIPS Windows

Why enlisted Sailors transfer to the Fleet Reserve instead of retiring, the MILPERSMAN submission windows by paygrade, and the PRD conflict.

NavyFleet ReserveNSIPSPRD
Branch checklist

Marine Corps Retirement Checklist: FMCR and the 14-Month Window

The FMCR transfer, MARCORSEPMAN's 14-months-to-4-months window that MCTFS enforces automatically, and CMC vs. SECNAV grade determination.

Marine CorpsFMCRMCTFSIPAC
Branch checklist

Coast Guard Retirement Checklist: No Fleet Reserve, and a 90-Day Pay Deadline

Why there's no Fleet Reserve, the DD 2656 to PPC-RAS at 90 days, the Coast Guard's own PDES, and the 20/30-day administrative absence.

Coast GuardPPC-RASCG PDESDD 2656
Retired pay

REDUX vs. High-3 vs. BRS: Which Formula Are You Actually Under?

How to tell which system applies to you, why the 75% cap doesn't exist for post-2006 retirees, and the REDUX COLA penalty that never ends.

High-3BRSREDUXCOLA
Retired pay

Guard and Reserve Retirement: Points ÷ 360, the 20-Year Letter, and Age 60

Good years decide whether you retire; points ÷ 360 decides how much. Plus the point caps, the reduced-age credit, and the gray area.

GuardReservePointsGray area
Retired pay

TSP on the Way Out: Match, Vesting, Limits, and What Happens After Separation

The match windows that open at 60 days and close at 26 years, two-year vesting on government money, the 2026 limits, and life after separation.

TSPBRS matchVestingRMD
Retired pay

CRDP: When Retired Pay and VA Compensation Actually Stack

VA compensation normally offsets retired pay dollar for dollar. CRDP removes that offset at 50% — and that threshold is worth more than most rating increases.

CRDPOffset50% ratingConcurrent receipt
Retired pay

Divorce and Military Retirement: USFSPA, the 10/10 Rule, and the Frozen-Benefit Rule

Why 10/10 governs direct payment rather than entitlement, what "disposable" actually excludes, and how the frozen-benefit rule caps a former spouse's share.

USFSPA10/10 ruleFrozen benefitFormer spouse
Survivor benefits

RCSBP: The Survivor Decision That Arrives With Your 20-Year Letter

A 90-day clock starts when the letter arrives — and doing nothing enrolls you at full coverage, irrevocably. The three options and the statute behind them.

RCSBP20-Year Letter90 daysReserve
Timeline

SkillBridge, The Complete Guide: Eligibility, MOU Employers, Timing, and PTDY

The four eligibility gates, the 180-day box that SkillBridge, relocation PTDY and terminal leave all share, and the application sequence by branch.

SkillBridgePTDY180 daysMOU
VA benefits

The VA BDD Claim Timeline: The 180–90 Day Window Explained

File a VA claim before you separate — but only inside a 90-day-wide window. What to have ready before it opens, and how the separation exam feeds it.

BDDVA claimSHPE180 days
VA benefits

VA Disability Math: Why 50 + 30 ≠ 80

The efficiency model behind the combined ratings table, the exact rounding procedure, and the bilateral factor most people never claim.

Combined rating38 CFR 4.25Bilateral factorRounding
VA benefits

The VA Home Loan Funding Fee — and the Disability Waiver Most Veterans Miss

The fee costs five figures on a typical purchase, and the statute waives it entirely for any service-connected rating — including a pre-discharge rating at closing.

VA loanFunding feeWaiverHome buying
VA benefits

GI Bill Chapter 33 at Separation: Tiers, the Transfer Catch, and Yellow Ribbon

The 36-month threshold, and the transfer rule that costs you four more years of service if you wait until late in a career to use it.

GI BillTransferYellow RibbonEducation
Medical

Medical Separation vs. Medical Retirement: The IDES Timeline Explained

The 30% rule decides between a lifetime pension and a lump sum. The timeline, the election deadline that defaults against you, and severance recoupment.

IDESMEB / PEBChapter 61TDRL
Medical

TAMP: The 180 Days of TRICARE Most Separators Don't Know They Have

180 days of TRICARE at no premium for qualifying separations — plus an extension for conditions identified during the window, and what comes after.

TAMPTRICARE180 daysCHCBP
Leave & pay

Involuntary Separation Pay: Who Gets It, and How It's Clawed Back

Six to twenty years, involuntary, fully honorable — and a written three-year Ready Reserve agreement most people never hear about until it's too late.

ISPRecoupmentReady ReserveInvoluntary
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