Can A Reservist Get Retired Pay Before Age 60?

Sorry for the late notice on this, but I just came to me desk.  A very interesting ‘chink in the 60th birthday armor’ that Congress has perpetuated for so long, even while making more and more use of Reserve components every year.

12/11/2008 – ROBINS AIR FORCE BASE, Ga. (AFNS) — Department of Defense officials here have issued new guidelines for early receipt of retired pay for members of the Reserve components.

Instead of having to wait until age 60 to receive Reserve retired pay, eligible members may receive retired pay prior to age 60 but not before age 50.

Under interim changes to Department of Defense Instruction 1215.07, Service Credit for Reserve Retirement, issued under a law passed by Congress effective Jan. 28, 2008, Reserve component members are able to reduce the age at which they are eligible to receive retirement pay by three months for each cumulative period of 90 days served on active duty in any fiscal year.

Under the new law, members eligible to receive retired pay earlier than age 60 must still wait until age 60 to receive health-care benefits.

Involuntary mobilization and voluntary active duty in support of a contingency qualify, but there is no requirement to be involuntarily mobilized, to support a contingency or to serve on active duty outside the continental United States to receive credit under the law.

Most active-duty time qualifies, including training, operational support duties and school tours. It does not matter whether active-duty time is paid for under military or reserve personnel appropriation accounts, provided such active duty is performed under the authority of 10 U.S. Code § 12301 (d).

Also included is full-time National Guard duty served under a call to active service by a governor and authorized by the president or the secretary of Defense under 32 U.S.C. § 502(f) for purposes of responding to either a national emergency declared by the president or a national emergency supported by federal funds.

The following time served on active duty is not creditable service for purposes of reducing retired pay age:

  • as a member of the active Guard and Reserve (10 U.S.C. § 12310)
  • on annual tour (10 U.S.C. § 12301(b))
  • while in captive status (10 U.S.C. § 12301(g))
  • for medical treatment, medical evaluation for disability purposes or medical study (10 U.S.C. §12301(h))
  • as a member not assigned to, or participating satisfactorily in, units (10 U.S.C. § 12303)
  • under active-duty agreements (10 U.S.C. § 12311)
  • for disciplinary/courts-martial (10 U.S.C. § 12315)
  • or for muster duty (10 U.S.C. §12319)
  • And, of course, the number one roadblock to most retirement-qualified Reservists reading this article …

Qualifying active-duty service performed after Jan. 28, 2008, the date on which the fiscal 2008 National Defense Authorization Act was enacted, is creditable. The law does not provide credit for time served on or before that date.

But you younger fellows and gals are still getting at least a partial step toward equity with this new set of regulations, so it’s a lot better than a poke in the eye with a sharp stick, believe me.

Here’s an example of how these new guidelines work.

  • A reservist performed five days of active-duty service on MPA orders in February 2008.
  • S/he then volunteered for active duty beginning June 1 and ending Nov. 30 (leave, reconstitution and post-deployment/mobilization respite absence included, as applicable).
  • The reservist performed a total of 127 days of active-duty service in fiscal 2008 and 61 days in fiscal 2009.  (note that this law does not take into account Reserve Forces Anniversary years … so a single block of active duty time may fall into two different sets of rules.)

Under this scenario, all of the active-duty time the reservist performed could be credited toward reduced retirement age eligibility because it was active-duty time performed under circumstances permitted under the new law (i.e., orders for voluntary service, 10 U.S.C. § 12301(d)).

However, because time credited must total 90 days or must be in multiples of 90 days in the aggregate during a fiscal year in order to correspondingly reduce his retirement age by three months, or multiples of three months, the reservist will be able to reduce her retirement age by three months for fiscal 2008.

Had s/he performed 53 more days of active-duty service after Jan. 28 and before going on active duty June 1, he would have accumulated 180 total days for fiscal 2008 and thus would be able to reduce his retirement age by six months.

Similarly, because the reservist has so far served on active duty 61 days in fiscal 2009, he must perform an additional 29 days of active-duty service some time during the year in order to reduce his retirement age by an additional three months.

All Airmen are encouraged to ensure their orders specify the statutory provision under which their active-duty service is performed. Airmen are also encouraged to keep track of their active-duty service and orders to ensure they receive proper credit and they meet the cumulative 90-day thresholds to reduce retirement age.
More information is available on the Air Reserve Personnel Center Web site at

Like so many of the technical provisions under the various reserve forces programs, YOU, the individual better keep track of things for yourself.  It’s difficult, if not impossible, to go back 10 or 20 years and correct records.  But as a certified OF who now collects a very handsome check because of his Reserve service, I can assure you the small investment of time, year by year, will really be worth it.  Keep the faith.


  • Bill

    According to my records and those of the reserves HQS official points count, I have 27 years on the Reserves and 20 active duty years because of constant active duty service since 2000, some in the 90’s, and 8 years active duty when I separated from active duty. My AD points read 7340. For what kind of retirement do I qualify? active duty? reserves ? if it is active duty would that be 27 years? can you help me clarify this?

  • David Perez

    I was deployed from Jul 09 to March 2010 to Irak. I was told by my Unit that I would qualify for early Retirement before age of 60. When I call to fill out the paperwork for retirement I was told that i did not qualify because Title 10 12301 did not appear in my deployment orders. I would like to find out why this happen. In my DD214 I have title 10 12302. I would like to get some answers about this topic. Thanks ,David

  • RP

    Thanks for writing in. In my opinion, based on this information from the USAFR retirement website, you appear qualified. The qualifying active duty has to be under one of these Federal laws:

    What type of active duty applies?

    Service on active duty pursuant to a call or order to active duty under a provision of law referred to in section 10 USC 101(a)(13)(B) or under section 12301(d).

    To clarify 10 USC 101(a)(13)(B), this is involuntary active duty performed under the following Sections:

    688 (Secretarial),
    12301(a) (Full Mobilization),
    12302 (Partial Mobilization), (my emphasis)
    12304 (Presidential Reserve Call-up),
    12305 (Stop Loss), or
    12406 (domestic and federal emergencies–applies to ANG).

    12302 appears on the list, so I don’t see why you would not qualify.

    Do you have the orders which called you to active duty? What is the law cited on the orders themselves?

    I would suggest you respond to your service’s retirement section in writing and request a written response to clarify why you are being denied this right.

    Phone calls tend to be worthless becuase there is no written record and it’s very easy to unintentionally confuse all the numbers when people are talking.

    Make a written request and keep copies of everything you send and receive … and keep after them. It’s very easy for some clerk somewhere to say ‘no’ and hope you will go away, but in my layman’s reading of the rules, you seem to have a case worth pursing, my friend … and thank you for your service.

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