How to Easily Figure Out the Dollar Value of Staying In vs Getting Out of the Military

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Here is a table from the 2019 Statistical Report on the Military Retirement System:

Just by looking at this table, you can very easily learn a few things including:

  • The dollar value of staying in for 20+ years and receiving a retirement pension.
  • The incremental value of staying on active duty for additional years once you are retirement eligible.

The Dollar Value of a Military Pension

Let’s say you are an O-4 who has the option of resigning/separating at the 12 year mark. You think if you stayed in until 20 years you could make O-5, but you’re not sure just how valuable that military pension really is. You can figure that out by looking at the table above, and you can see that a 20 year O-5 pension has a dollar value of $1,458,837. You can reduce this value by about 20% ($1,167,070) if your are in the Blended Retirement System and would only get 80% of the full pension. That is what you’d be giving up by getting out at the 12 year mark as an O-4 and not staying in long enough to get the pension.

The Value of Staying Additional Years Once You are Retirement Eligible

Let’s say you are a 20 year O-5 who is weighing an extra 4 year commitment, and you think you could make it to O-6 if you stayed until 24. What is the dollar value of sticking around when it comes to your retirement pension?

We already mentioned that a 20 year O-5 pension was worth $1,458,837. If you stayed in another 4 years and made O-6 the value of your pension would have increased by $526,879 to $1,985,716, an average of $131,720 per extra year you stuck it out.

The Bottom Line

There are a lot of factors to consider when you are making the decision to stay in or get out, but by looking at the table above you can pretty easily quantify dollars values associated with:

  • Staying in for 20+ years and receiving a retirement pension.
  • The incremental value of staying on active duty for additional years once you are retirement eligible.

SG Conversation with ADM (ret.) Stavridis, 1100 on 15 January 2021

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Good morning all,

I hope this message finds you well today.  And I hope you can assist in spreading word about an event the SG will be having tomorrow that is open to all BUMED personnel.

Tomorrow at 1100 the Surgeon General will be speaking with ADM (ret.) James Stavridis on Facebook Live as part of the “Conversations with the Authors” Series.   The topic of conversation will be  Stavridis’s books “Sailing True North: Ten Admirals and the Voyage of Character” and “Sea Power: The History and Geopolitics of the World’s Oceans” and their application to Navy Medicine.   As a Facebook Live event this will be open to the Enterprise and we encourage all BUMED personnel to watch on the BUMED Facebook site.

A flyer about the event is here:

A link to the previous installment of the series (Dr. Muhammad Zaman, author of “Biography of Resistance: The Epic Battle Between People and Pathogens” can be accessed through the following link:

Thank you.

Very Respectfully,


André B. Sobocinski

Historian/Publications Mgr.

Communications Directorate (M09B7)

Bureau of Medicine and Surgery (BUMED)

Throwback Thursday Classic Post – Day 1 Messages from the New SG, RADM Gillingham

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Esteemed Shipmates,

I am honored and privileged to serve as your 39th Surgeon General of the Navy. Attached you will see an outline of my priorities, and the course that we will sail together. Take a moment to review and discuss this information with your Shipmates, reflecting on how YOUR actions contribute to maritime superiority. As a high reliability organization, your active engagement and feedback will be critically important to our continued success. More detailed guidance will be forthcoming. As always, thank you for everything you do for our warfighters and their families.

I look forward to seeing you in the fleet!

SG Sends


Here also is a video from the SG:

RADM Bruce L Gillingham Introduction

Medical Corps Career Development Board Assistant Program Manager

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The Corps Chiefs office is soliciting applications for the CDB Assistant Program Manager, working closely with the CDB Program Manager and Medical Corps Career Planner to coordinate and compile CDB data and best practices from the enterprise.  The successful candidate will be LCDR or above with excellent organizational abilities and significant enterprise experience in both hospital and operational settings.  Interested candidates should submit a letter of intent, CV, BIO, Officer Summary Record (OSR), Performance Summary Record (PSR) and command endorsement to CAPT Miguel Gutierrez (contact in the global).  Applications are due NLT 29 January 2021.  The current program policy is here:

DOD COVID-19 Testing Prior to OCONUS Travel

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Here’s a cut/pasted message from MyNavyHR:

The dynamic nature of the COVID-19 pandemic requires the implementation of measures to mitigate the risk of COVID-19 spread outside the Continental United States (OCONUS).  Many countries now require negative test results before arrival, driving a significant new requirement for our OCONUS travelers.  I recently released the attached NAVADMIN and Fact Sheet explaining the current state of these complex requirements, as well as MyNavy HR’s procedures to help support our Sailors and their families:

Highlights of these new requirements include the following:

Service members and/or family members must do the following:

·        Possess, and present on request, proof of a negative viral COVID-19 test (antigen or PCR) administered within 72 hours of embarkation for OCONUS travel for each traveling family member for all Patriot Express (rotator) flights as well as commercial flights.  Of note, the NAVADMIN provides additional guidance for individuals who have been previously infected with COVID-19 and may therefore exhibit positive test results, depending upon the type of test administered and other factors.

·        Review the Foreign Clearance Guide ( for exact entry requirements for the final destination, such as type of test required and requirements for when the test must be administered relative to arrival date.  The Department of State also offers the Smart Traveler Enrollment Program (STEP) ( for a free service enabling travelers to enroll their trip with the nearest U.S. Embassy or Consulate and receive updates from the embassy regarding updated travel requirements and local conditions.  FYSA, we will start including the recommendation for STEP enrollment within transfer orders.

·        Plan their intermediate travel and leave to ensure time is allowed for required testing in accordance with the required timeline for their mode of travel and the final destination.  These plans should include where the Sailor and family member will have their COVID-19 tests administered.  Options include various MTFs as well as commercial sites offering viral tests.  Testing at commercial sites will likely incur expenses which are not covered by TRICARE, but will be refunded via the travel claim in accordance with the Joint Travel Regulations.  Additional information can be found in the NAVADMIN as well as on MyNavy Portal,

·        Be prepared to execute ROM procedures for the entire family unit in the event of a positive test for any member of the family.  The NAVADMIN provides more in-depth information for this eventuality, but understanding that the appropriate steps to be taken in these cases will vary, the My Navy Career Center (MNCC) call center is available 24/7 by phone and email.  Agents will assist Sailors in coordinating communications with their detailers, the Navy Passenger Transportation Office (NAVPTO) and the OPNAV COVID Taskforce Liaison.  As commercial COVID testing and ROM-related expenses can be significant, we highly recommend use of the Government Travel Credit Card (GTCC) or advanced travel pay for travel expenses while on official orders to minimize the impact to the Sailor’s personal finances.

In addition to requirements for Sailors and their families, the NAVADMIN directs specific actions for Command Pay and Personnel Administrators (CPPA) in order to support their detaching Sailors and provide Navy with records of testing plans established by Sailors.  Specific requirements include:

·    Notifying members of testing requirements for their destination

·    Maintaining records of service members’ testing plans to include the intended facility and date

·    Providing detaching members with command contact information for reach-back capability as needed.

In this highly complex environment, we will continue our coordination with the OPNAV COVID Task Force to ensure we provide our Sailors and Commanders with up-to-date guidance on testing requirements, ROM procedures, and the future updates to these policies anticipated in conjunction with more widespread SARS-CoV-2 vaccination.