Retirement Without Pay

Applying for Non-Regular Retirement without Pay

PERS-912 recommends that you have your Notice of Eligibility (NOE) letter prior to requesting retirement without pay (also known as retirement awaiting pay). NOE letters are usually sent one to three months after the completion of your 20th qualifying year (qualifying year equals 365/366 days in which you earned at least 50 points). If you are on active duty orders and complete your 20th qualifying year during these orders, you will not receive your NOE until after you transition back into drilling status. In addition to the NOE, you will also receive DD 2656-5 which is your RC-SBP Election Certificate. Within 90 days of receiving your NOE letter, you must complete and return the DD 2656-5. Failure to return the form with an election will result in you being defaulted to the highest coverage option (Option C).

Applying via NSIPS

One year prior to your planned retirement date you should meet with your unit/NRC career counselor and unit chain of command to discuss your intention of retiring. You will then submit your retirement request via NSIPS: Main Menu ->Employee Self Service -> Retirements & Separations -> Request Retirement/Separations. In the drop down menu select Non-Regular Retirement without Pay.

Applying via Form

Members currently on active duty orders or those without a CAC (i.e. IRR-ASP, S1 and S2 status) will not be able to submit requests via NSIPS. 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.
These applications should be faxed to PERS-912 at (901) 874-7044 or mailed:
Commander
Navy Personnel Command (PERS-912)
5720 Integrity Drive
Millington, TN 38055

OR via email at askmncc@navy.mil* (*Disclaimer on correspondence via email: Sending any documents with PII via unencrypted email is at your own peril.)

Once retirement request has been approved, member will receive retirement orders via email. If you qualify for NDAA Early retirement, the email will state the date you qualify to retire with pay. Set a reminder in your electronic calendar one year prior to this date to apply for retirement with pay.

- When a Sailor requests Retirement without pay and they have received a NOE then they will processed by 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 sometime in 2024 and they request to retire on Jan 1, 2025, then you will retire the Sailor on Jan. 1, 2025 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, it will be processed and sent in conjunction with retirement approval. If the Sailors EOS will expire prior to approval from PERS, then they will need to be extended for no more than 6 months awaiting PERS approval.

This only applies to those Sailors who have requested non-regular retirement.

Participation

You may participate up to the day before your retirement effective date, but please let PERS-912 know your last participation so we can ensure all of your retirement points are credited prior to closing your record. It can take up to two weeks for drills, AT/ADT or active duty points to populate in your record. You can enter a comment in your NSIPS retirement request in the Comments section with the dates of any participation that is not yet reflected in your point record.

Identification Card (ID card)

Please allow one to two weeks following your retirement effective date for your status to update in DEERS prior to attempting to get your new ID cards for you and your family. To obtain ID cards for you and your eligible dependents, visit 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 visit RAPIDS ID Card Office Online Locator and search by your zip code. You will be given the three closest card issuing facilities.

Stay Connected with DFAS

Visit the DFAS Gray Area Retiree page and create your myPay DFAS account to stay connected. Gray Area Retirees - Navy Reserve

TRICARE Healthcare Eligibility

Gray Area Retirees under the age of 60 may be eligible to purchase Tricare Retired Reserve. Retired Reserve ages 60-64 are eligible for TRICARE Select and TRICARE Prime where available and if you become Medicare-eligible due to disability, you may transition to TRICARE For Life as early as age 60. Retired Reserve Age 65 and above begin TRICARE For Life and you must enroll in Medicare Part B. For further information, visit any of the links provided.

FEDVIP Dental Eligibility

Gray area retirees can enroll within 60 days from eligibility date or wait until Open Season. Changes can be made only during Open Season or with a qualifying event. Visit United Concordia's FEDVIP for more information. To enroll, visit BENEFEDS.

Need Career, Pay or Personnel help?
Call MyNavy Career Center: 833-330-MNCC,
or 901-874-MNCC (DSN 882-6622)
Email MNCC, MNCC Chat
Comments or Suggestions about this website?
Email the Webmaster

NAVY PERSONNEL COMMAND
5720 Integrity Drive
Attn: PERS-### or BUPERS-###
Millington, TN 38055-0000
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