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Reserve (Non-Regular) Retirements



What should I know about Navy Reserve retirement?

Contact MNCC by phone at 1-833-330-MNCC (1-833-330-6622), or email at
  • If you (or a member for whom you are researching) submitted your Retirement With Pay application six months ago, but have not yet received via regular USPS mail from NPC PERS-912 your Retirement Orders letter “Retirement Order and Transfer Authorization to Retired Reserve Status with Pay for Non-Regular Service“, or you have not been otherwise contacted by PERS-912 for specific follow-up or additional items, your retirement has not been completely processed.
  • If for any reason you are unsure if PERS-912 has your correct name and address, including that you did not provide it in your submitted retirement package documents, or have changed your contact information recently.
  • If you have specific inquiries on your request to retire, especially where your Personally Identifiable Information would be required to answer your question.
  • If for any reason you are unsure if PERS-912 has your correct name and address, including that you did not provide it in your submitted retirement package documents, or have changed your contact information recently.
  • If you have specific inquiries on your request to retire, especially where your Personally Identifiable Information would be required to answer your question.
Navy Reserve Retirement generally includes first Retirement Without Pay, and later in time Retirement With Pay (nominally age 60.)  Members MUST apply for both, unless able to directly Retire With Pay.
NPC PERS-912 processes Navy Reserve Retirements Without Pay based on the effective date of retirement via NSIPS, or via paper request for IRR members and other less common situations (such as members on long term active duty orders, especially while approaching HYT or statutory limits).  This effective date for Retirement Without Pay will always be the first of a given month, per Title 10 USC.  These requests typically remain as “Pending PERS-912” in NSIPS or in-house tracking for paper requests until shortly before the effective date.  Members should expect to receive via regular USPS mail from NPC PERS-912 the Retirement Orders letter, “Retirement Order and Transfer Authorization to Retired Reserve Status”.
PERS-912 now processes Retirements With Pay based on Retired Pay Eligibility Date. Expect this retirement package processing to take approximately six months from receipt of a complete package. Once processed by PERS-912, the member must finalize activation of the Retired Pay Account with DFAS. 
All documents received and entered into the PERS-9 database now generate an automatic email notification from the MyNavy Career Center to the service member acknowledging receipt.
Please reference the following in preparing for retirement.  
  • NAVADMIN 243/14 directed all Navy Reserve members to receive retirement counseling, via Career Development Boards (CDBs) for enlisted, and Mid-Term Counseling for officers.  This RTO effort is intended to help inform those directed Military Life Cycle (MLC) touch points. 
  • NAVADMIN 273/17 directed members with commands that have access to Navy Standard Integrated Personnel System (NSIPS) Web to submit requests through the Employee Self-Service Retirements and Separations (RnS) function, effective 01 January 2018. 
  • NAVADMIN 160/20 announced interim policy guidance pertaining to command-sponsored retirement ceremonies delayed due to the coronavirus pandemic.
In early 2020, several changes were released to improve the NSIPS RnS module.  Now, the NSIPS RnS module allows members with 19 qualifying years to submit retirement requests.  Those NPQ members with 15 qualifying years can also now submit retirement requests, if the member’s MAS code had been similarly changed to reflect that status.  NSIPS will no longer let a member submit a retirement request earlier than 12 months in advance of the retirement effective date, and it will not let a member to submit with a retirement effective date in the past.
Retirement Transition Outreach (RTO) is a Reserve Component member-focused program, managed by NR NPC in operational support of NPC PERS-9, designed to educate and inform the force regarding Navy Reserve retirement processes including pay and benefits.
As of 22 June 2020:
Navy Reserve wide directives during the COVID-19 pandemic restricted travel through 30 June 2020.
NR NPC conducted the below scheduled RTO events virtually for those who previously registered:
  • Drill Weekend 6-7 June 2020 RRCS at NOSC Norfolk – LTJG Joshua Didawick
  • Drill Weekend 6-7 June 2020 RRCS at NOSC Great Lakes – LT Aaron Bolin
  •  Drill Weekend 20-21 June 2020 RRCS at NOSC Washington - LTJG Joshua Didawick
NR NPC will host the following additional FY20 RTO events virtually:
  • Wednesday 8 July 2020 – CDR Sarah McGann
  • Saturday 11 July 2020 – LTJG Joshua Didawick
  • Saturday 8 August 2020 – LT Aaron Bolin
  • Saturday 19 September 2020 (in conjunction with In-Person RRCS at NOSC Everett)
These additional virtual events will encompass about a single drill period, or a 4-hour time commitment.  These will commence at 1100 Eastern Time to maximize availability across multiple Western hemisphere time zones, from Europe west to Guam.  Virtual Sessions will be conducted via CVR/Teams NR Retirement Transition Outreach [Virtual Events] team and/or conference call.  Other dates and times may be available for groups, by arrangement.
  • 1100 Event kickoff; Navy Reserve Retirement Pay & Benefits briefing
  • 1300 Tricare briefing
  • 1430 Other briefers and retirement topics plus Q&A; Event wrap-up
Once in your Navy Microsoft Teams account, join the NR Retirement Transition Outreach [Virtual Events] team using the code provided in your registration confirmation email.  Then, find the dated channel within that team for the relevant meeting event.  NR NPC hosts recommend logging into Teams and joining the meeting channel 30 minutes prior to the 1100 Eastern start time.  Due to the system limitations, virtual participation in this popular event may be limited.  Alternatively, attendees may join via conference call with the dial-in information provided in your registration confirmation email.
We are currently still planning to hold the following remaining FY20 in-person session:
19-20 September 2020 RRCS at NOSC Everett - CDR Sarah McGann
All Navy Reserve service members that are considering retirement (Members, spouses, Gray area retirees, SELRES and IRR members); plus COs, OICs, XOs, SELs, Career Counselors, and any senior leader with a role in counseling and mentorship; are all welcome to join.
Attire: Virtual events: business casual; In person events: Khakis or NWU Type III
(Spouses welcome to attend any event with sponsor (attire: business casual)
To register:
Depending on personal circumstances including timing considerations, some members may be better served by viewing the Career Compass by Navy Reserve Mentorship Network Facebook Live event
“Navigating Reserve Retirements, conducted in November 2019,
Attendance at an event or viewing of alternative materials independently is not mandatory prior to approval of a retirement request, though is highly encouraged for members and leaders at all levels.  It is not currently directed by policy, and is not a requirement in order to retire. 
Navy Reserve service members that are considering retirement generally includes but is not limited to those members on glide slope to retirement eligibility, with 15 or more qualifying years on record; and those members who have already reached retirement eligibility and are working to submit their retirement requests. NR NPC through these outreach events intends to provide guidance to Navy Reserve Component members on Reserve Retirement pay and benefits and the retirement process.  Registration simply helps us send out login, conference call and meeting materials specifically to those registered, and track some basic metrics, and does not require PII.
Please be on the lookout for planned FY21 RTO events, including the drill weekend-based Reserve Retirement Counseling Session and the multi-day Retirement Awareness Workshop, via your local NOSC or Program Office communications, GovDelivery, TNR, or Shift Colors magazines.  For FY21, we intend to reach Navy Reserve populations in major CONUS areas to which we did not travel in FY20.  Our next Retirement Awareness Workshop in Millington will likely be in early November 2020, tentatively 3-5 Nov 2020. 
POC: CDR Sarah McGann,; RTO Program Manager, NR NPC

Applying for Retirement with Pay

1.  Notification is forwarded in advance to advise you how to submit an application for retired pay at age 60. If you have not received notification four months prior to your 60th birthday, please contact PERS-912 by calling 1-833-330-6622. The earliest date retired pay may commence is your 60th birthday or the day after completion of 20 years of qualifying service, whichever is later unless early retirement is authorized under NDAA 2008. 

2.  The following forms must be completed and returned to PERS-912 at the address listed below.  You will need Adobe Acrobat Reader ( to view all of these files.

  • DD Form 108, Application for Retired Pay Benefits
  • DD Form 2656 , Data for Payment of Retired Personnel (All other versions are obsolete)

3.  Complete processing of an application normally takes several months. Please include your social security number on all correspondence. If you have a change of any information, before your 60th birthday, please report the update to PERS-912 by calling 1-833-330-6622 immediately.

4.  Mail all forms with original signatures to:

     Navy Personnel Command (PERS-912)
     5720 Integrity Drive
     Millington, TN 38055

5.  The following Instructions apply to the DD Form 108, items 9 through 17:  Detailed completion of these items is not required.  However, if these are not completed, you must write, across the corresponding spaces, a statement to the effect that you will accept records of service as maintained by the Department of the Navy.  Use of such a statement does NOT preclude your right to have records corrected, if necessary.

6.  If you are transferring to the retired pay status from a drilling status current policy requires endorsements from your chain of command.

7.  While ALL documents received and entered into the PERS-9 database now generate an email notification from the MyNavy Career Center, Retired with Pay submissions will receive an additional email acknowledging receipt of the complete package –OR– if the retirement package is incomplete, an email will identify any documents missing or incomplete.


Applying for Retirement without Pay

Applications for retirement without pay should be submitted per the format and timeframes listed in Figure 20-4 of BUPERSINST 1001.39F CH-1. 

A sample of the Format for Requesting Transfer to the Retired Reserve can also be found on the Forms for Download page.

IRR members applying for retirement without pay should mail their applications to PERS-912 at the address listed above or faxed to (901) 874-7044.

All others submit their request through NSIPS.  See your Command Career Counselor or Admin personnel for assistance.

When a Sailor requests Retirement without pay and they have received a NOE then you will process the retirement date as requested per BUPERSINST 1001.39F, CHAP. 20, paragraph 2014.  For example, if a Sailor has received a NOE stating they have reached their 20 qualifying years for non-regular retirement and they request to retire on Jan 1, 2019, then you will retire the Sailor on Jan. 1, 2019 with or without approval from PERS per BUPERSINST 1001.39F.
If a Sailor has not received a NOE and they request retirement prior to receiving their NOE, then they will be transferred to the VTU the day prior to their requested retirement date to await PERS approval.  They will not be allowed to drill in the VTU, they will need to be given AAs until PERS approval and they will not be eligible to request SGLI.  If the Sailors EOS will expire prior to approval from PERS, then you will extend them for no more than 6 months awaiting PERS approval. 
     This only applies to those Sailors who have requested non-regular retirement.


Benefits for Gray Area Retirees and Recipients of Retired Pay

As a Retired Reserve service member who has received a 20-year letter but has not received retirement pay, you may be eligible to receive gray area benefits. The following table shows these benefits compared to the full retiree's:  Benefits for Retired Reserve Members.

Identification Card (ID card) – To obtain ID cards you and your eligible dependents should go to the nearest card issuing facility with a copy of your retirement orders (and dependents’ birth/marriage documentation if not previously enrolled in DEERS).  This ID card includes commissary, theater and unlimited exchange privileges.  You may locate the closest facility either by dialing 1-800-538-9552, the person answering the telephone will assist or log into and search by your zip code.  You will be given the three closest card issuing facilities.

10 USC 12731 has been changed to allow qualified Reservists to start receiving retired pay earlier than age 60.  (See NDAA 2008).

Notification of Change of Address 

Retired Reservists who will be eligible for retired pay at age 60 (gray area) and personnel on the Retired List (receiving pay) are responsible for keeping Navy Personnel Command PERS-912 informed of their current mailing address.  If a temporary change of residence is planned and mail cannot be delivered promptly by means of the existing mailing address, the member should also inform PERS-912 of the temporary address at the beginning of the temporary residence period and of the return to the permanent address at the end of the period.

Contact PERS-912 by calling 1-833-330-6622 to update your mailing address.

Personnel receiving retired pay and former members must also notify the Director, Defense Finance and Accounting Service, U.S. Military Retirement Pay, 8899 E 56th Street, Indianapolis, IN 46249-1200, toll free number 1-800-321-1080.

Retired Pay Computations 

The following USA HRC website may be used as a tool to perform an unofficial estimate of Reserve retired pay: Retirement Calculation. You are not required to enter your name to perform calculations. 


Utilize our downloadable calculator in Excel format.

Retirement Calculator.xlsx

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Last Modified: 7/8/2020 10:09 AM
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