Setting the Record Straight on CRSC and CRDP

Jan 14 2011

Published by at 1:47 pm under Military Benefits,VA Benefits

CRDP and CRSC are confusing programs. Our experience from talking regularly with uniformed members is that several misconceptions routinely pop up. We will address these common misconceptions.

But to start, a little history follows to help build a more complete understanding of the concurrent receipt programs. We take literary license with the legal references to provide a clearer illustration of how things work. This also puts the topics in the context of our discussions with service members.

Original ‘concurrent receipt’ law stipulated you cannot be paid twice for the same disability/service. This law still applies in some cases—more on this later. If you receive Service retired pay and VA comp, the VA comp is subtracted from your Service retired pay in the form of the ‘VA waiver.’ You ‘waive’ your Service retired pay to receive VA comp.

MOAA fought for legislation that would stop concurrent receipt laws from denying a Service member’s retired pay that was vested in their years of service. After all, you earned that pay through years service. VA comp should not be deducted from vested Service time since the VA pay is specifically designated as disability compensation. From this lobbying, new concurrent receipt legislation was passed and CRSC and CRDP were born. As the result, CRSC and CRDP restore the Service retired pay vested through years of service that VA comp denied you. This is a key point of concurrent receipt; concurrent receipt does not restore disability compensation from the Service. It restores longevity retired pay. Now we bust some misconceptions.

#1. There is a strong belief among people that CRSC is a new form of pay, a third paycheck if you will, above and beyond any Service retired pay and VA comp amounts. CRSC is a third form of pay but it is not an amount in addition to Service retired pay and VA disability compensation. While technically it comes to you as a third pay check, it is pay that restores your Service retired pay for all or part of the VA Waiver amount being deducted from Service pay. CRDP on the other hand is not a third form of pay. CRDP is the return of Service retired pay by decreasing the VA Waiver amount in your Service retired pay.

#2. CRSC is a “restoration” of Service retired pay. To “restore” Service retired pay implies two things. First, you were denied Service retired pay (through a VA Waiver) so it has to be “restored.” Second, the amount being restored can’t be greater than the original amount of Service retired pay denied. You can’t “restore” what was never denied in the first place. You can’t receive CRDP/CRSC retroactive pay unless you were denied Service retired pay in the past. This usually comes up as an issue when someone has been receiving CRDP for a time and later is awarded CRSC. If you were receiving CRDP, your retired pay was already being restored. The subsequent award of CRSC won’t get you back pay unless your CRSC amount restores more than you were already having restored in the past.

#3. Concurrent receipt restores Service retired pay so let’s carefully consider the phrase “Service retired pay” as it pertains to CRSC/CRDP. “Service retired pay” is pay that you earned through longevity; your time served. This is a big issue for members who were medically retired because you may have a Service retired pay amount that is more than the amount you earned based on your longevity.

Example: a person with a longevity retirement earns retired pay at:

  • Years served X 2.5% X your base pay at retirement or high-3.

However, you medically retired folks may have a Service disability rating (not your VA rating) that makes your retired pay at retirement greater than the amount of pay based on the longevity formula just explained. With 20 years of service, your longevity retired pay is 50% of base pay. But a medical retirement with a Service disability rating of 60% gets a 60% pay out for retirement even if the service time is 20 years. Everything above 50% is considered a form of disability pay.

So CRSC/CRDP restores ‘Service retired pay’ which is only the retired pay that’s based on longevity. All the Service retired pay you receive above the amount due to time served is considered disability pay, not ‘Service retired pay’ and Service disability pay is not restored by any form of concurrent receipt.

In other words, the original concurrent receipt laws that state you can’t be paid twice still apply when it comes to disability pays. If the VA pays you for your disabilities, you can’t receive Service disability pay at the same time.

#4. The CRSC Glitch. (UPDATE: THE GLITCH IS FIXED. THIS NO LONGER APPLIES) For you members medically retired with less than 20 years service, you have a different issue to contend with. First, your CRSC amount is limited to your longevity portion of your retired pay. For many of you, this longevity portion is a small amount when compared to your total Service check. Next, you are limited in the amount of CRSC pay you receive to the amount of CRSC pay that is above the amount you receive for the Service disability portion of your Service retried pay. Here’s an example:

  • Total Service retired pay (disability and longevity pay) $2000
  • Service portion based on longevity $500
  • Service portion based on disability $1500
  • CRSC pay you are entitled to $800
  • Actual CRSC pay (Entitled CRSC – Service disability) $0

This effect is known as the CRSC glitch. It’s a problem in how the CRSC law explains the pay formula, as shown above. Technically, everyone should get either all their entitled CRSC pay or CRSC up to the amount of Service retired pay based on their longevity. This is a problem MOAA is fighting to fix.

#5. Your CRSC check will equal your VA comp amount. Not necessarily so. VA comp is based on your total disabilities regardless of whether the disabilities were the result of combat. CRSC pays only the portion of your total disabilities that were directly related to combat. It is not unusual for a CRSC rating and the resulting payment to be smaller than the VA comp amount. This means you will continue to have a VA waiver amount in your Service retired pay.

#6. CRSC is always a better payment than CRDP. Not so. As stated in #5, CRSC is limited to combat injuries and as such that can be a significant limiting factor on the amount paid. CRDP is not limited to combat related disabilities so the amount is based on your total VA comp (plus the issue raised in #3). The combat related nature of CRSC is a basis behind its tax-free status while CRDP is taxable. Your CRDP amount may be larger to the point that even though it’s taxable, it still leaves more money in your pocket.

There may be times the amount of pay under CRDP is large enough that even after taxes it could be greater than a limited CRSC tax-free check. This is why your pay agency allows you a chance to select which version of pay you want during the ‘open season’ each December. As CRDP continues to phase-in over the years (until 2014), one year your CRDP amount may provide you the greatest take-home pay.

#7. “I get CRSC but a VA waiver is still deducted from my Service retired pay. Where is my concurrent receipt?” This misunderstanding is partially based in #1. Some folks think CRSC is a payment above and beyond all other pays. CRSC and CRDP are both forms of ‘concurrent receipt’ (used in the context of the phone calls). As such, a member can only receive one form of concurrent receipt or the other but not both simultaneously. The confusion seems to also originate in the manner in which the CRDP or CRSC is paid.

CRDP is paid by being reinserted back into your Service retired pay. You’ll note this in your Retiree Account Statement (pay stub) from your pay agency. With CRDP, your VA waiver disappears or gets smaller as CRDP is phased-in. Eventually, most of you will receive full Service retired pay and full VA comp (medically retired over 20 years of service may not see full Service retired pay). You won’t actually see a CRDP payment because the fact that you’ll receive full Service retired pay IS CRDP at work.

You CRSC folks receive a separate payment outside your Service retired pay and VA comp. CRSC is your form of concurrent receipt. Your Service retired pay stub will continue to indicate a full VA waiver amount as long as you receive CRSC.

I hope these explanations help clear the air on the major myths behind CRDP and CRSC. As other myths pop-up in future discussions, I’ll add to this post. Thank all of you for your service and sacrifices.

298 responses so far

298 Responses to “Setting the Record Straight on CRSC and CRDP”

  1. Daveon 26 Jan 2016 at 12:21 am

    I’m very confused w/ CRDP. I’m retired E8 w 24yrs of service and just received notice from VA of 100% disability rating. The VA payment form states I should receive $3198 per month, my dfas pay stub states that my Crdp amount is $2815 which is the exact amount of my retirement pay? I received back pay of $383 which is exact difference between $3198-$2815. I thought that I would receive 2 payments one from VA and one from DFAS both at full rate. Am I mis interpreting something?

  2. Shane Ostrom, CFP®on 26 Jan 2016 at 11:09 am

    Dave, CRDP ensures you get the retired you earned with your years of service. From this point forward, you will get all the VA compensation for a 100% rating plus you will get all your retired pay for your 24 years of service. In the ‘old days’ before CRDP, you have only received the VA comp and no retired pay. Without CRDP, the VA comp would wipe out your retired pay because the ‘VA Waiver’ (you waive your retired pay to receive VA comp) would have been applied to your retired pay. The VA Waiver normally equals your VA comp amount. Shane

  3. kevinon 29 Jan 2016 at 6:37 pm

    Hi Shane,
    I am a retired Marine (E-7) with 20 years of service who served in Iraq and Afghanistan. Today I received my VA Disability rating with an overall combined rating of 90% and I don’t know what to do next concerning the Combat Related Special Compensation (CRSC) and/or Concurrent Retired and Disability Pay (CRDP) programs. The VA just wrote “You may be eligible for full or partial concurrent receipt of VA compensation and military retirement pay under the CRSC and/or CRDP programs. Your retired pay center (RPC) has been notified of this award of VA compensation. If your RPC determines the withholdings from your VA compensation should be retroactively adjusted due to CRSC/CRDP eligibility; VA will modify and will adjust your VA compensation accordingly”.
    Now… Here are my questions:
    -Who is my retired pay center (RPC)? and
    -How will they know if my disability rating is based mostly due to combat related injuries?
    Any assistance or guidance with these matters are greatly appreciated.

  4. Shane Ostrom, CFP®on 01 Feb 2016 at 3:02 pm

    Kevin, if you are an active duty retiree with 20year of service or more, you will automatically receive CRDP. Your pay center is DFAS ( All this means is that you will not have your retired pay docked due to you accepting VA comp for a disability. If you didn’t get CRDP, your retired pay would be docked dollar for dollar by the amount of your VA comp.

    If you wish, you can apply for CRSC to your Service. Google CRSC and your Service. Web site has all the info and forms to apply to your Service. What CRSC means is that instead of CRDP above, you will have your retired pay docked dollar for dollar for the amount of your VA comp, and in return you will be reimbursed for the amount docked from your retired pay with a separte tax-free CRSC check.

    CRSC tax free. CRDP restored taxable retired pay. Both restore your retired pay that would normally be docked by the VA Waiver (the amount of your VA comp). Your Service determines your combat related status under CRSC. That’s why you apply. Shane

  5. Zacon 04 Feb 2016 at 3:49 pm

    I am a veteran of only seven years. On that seventh year, I was medically retired due to permanent combat related injuries. I did not want to retire. But, before I even departed from the hospital, my retirement paperwork was finalized. My VA rating is 100%. I receive a very very small amount of CRSC. Am I not entitled to any CRDP because I didn’t (couldn’t) do 20+ years? ….for the record; I am EXTREMELY grateful for what I get. Just curious if I’m missing something that I should know about. Thanks.

  6. Shane Ostrom, CFP®on 05 Feb 2016 at 12:44 pm

    Zac, if you are getting CRSC, that’s all there is pay-wise from the DOD given your years of service. Thank you for your service to our country…Shane

  7. Thomas Bowleson 29 Feb 2016 at 12:42 am

    I was in the army 1967-1969 and was combat wounded, retired from DOD on a early retirement in 1994. I received a 40 per cent rating from the Veterans Administration after leaving the USARMY, but due to other issues related to my service I am now rated at 100 percent. Do I qualify for CRSC or CRDP?

  8. Shane Ostrom, CFP®on 29 Feb 2016 at 7:26 am

    Bowles, if you receive Service retired pay and VA compensation for a disability and your injuries are combat-related, you could qualify for a little CRSC. I say a little because CRSC (and CRDP) restores Service retired due to use Service time. In your case, only 2 years Service. It is still worth the application to see what you get. Search for Army CRSC on the web and find the Army CRSC site with forms and instructions. Shane

  9. Randall VanScoykon 09 Mar 2016 at 12:57 pm

    I was medically retired from the Marine Corps at E-6 after 10.5 yrs in June 2015. I received 70% DOD and 90% VA rating. I applied for CRSC and received at letter saying I was approved 80% CRSC from the date of my retirement in 2015. My question is what does the 80% CRSC rating mean? I am also getting conflicting answers as to how long you receive CRSC. Is there any calculators out there where would see what my pay I would receive? Any help would be appreciated. Semper Fi!

  10. Shane Ostrom, CFP®on 10 Mar 2016 at 9:56 am

    VanScoyk, the 80% CRSC means your Service considers your combat-related injuries/disabilities to be 80% of your total VA disabilities. The CRSC payment amount is equivalent to the VA compensation amounts for VA ratings. See here: The CRSC rating and amount are life long but they can change if you have a VA rating change. Changes can occur if your condition gets worse or better. Shane

  11. Anthonyon 11 Mar 2016 at 4:59 am


    I am a medically retired SSG in the ARMY, I did 10 years and 2 tours in iraq, I am at 90% IU from the VA and I have been diagnosed with 50% PTSD combat related….when I got out the ARMY in 2011 I was denied CRSC but when I filed for an INCREASE through the VA my status changed to COMBAT RELATED on the PTSD… I recently turned in my CRSC packet … Should expect some good news?

  12. Shane Ostrom, CFP®on 11 Mar 2016 at 8:03 am

    Anthony, I hope so but we have no insights into how the Services determine the combat-related status of individuals. Shane

  13. Victoron 14 Mar 2016 at 9:26 pm

    I was just received my approved CRSC on Feb 1st 2016. I have a VA rating of 100%. My RAS states gross pay. $1914, VA waiver, #1914 and SBP cost 124.85. It states my retired pay has been waived because my VA award of $3,637.67 is more than my retired pay.

    CRSC letter states 80% Jun 2010 – Jan 2012, 100% Feb 2012-Present
    What can I expect for CRSC payment and will I get back pay?

  14. Chrison 16 Mar 2016 at 9:52 am


    just got off the phone with DFAS..they said my CRSC payment was going to be $28 a month.

    now, I was in the Army from 2006-2013…and i was medically retired at 70% Army and 70% VA.

    I have read online where people say the CRSC payment is a minimum $133 up to $3,200 and then I hear where some people say it “matches” your VA pay…which, in my case is $1,530.

    Obviously, $28 is not $133 or $1,530.

    why am I only receiving $28?

    Thanks a lot, sir.

  15. Shane Ostrom, CFP®on 19 Mar 2016 at 10:08 am

    Chris, there is no “minimum” CRSC amount. CRSC is what the formula says it is for each individual. I can only assume in your case, your service from 2006-2013 wasn’t all active duty time. Read my previous responses for more detail but your CRSC is based only on active duty time. A medical retirement is an “active duty retirement” and only active duty counts in CRSC calculation and therefore small amounts of AD time reduce the CRSC amount. Shane

  16. Shane Ostrom, CFP®on 19 Mar 2016 at 10:18 am

    Victor, read my previous answers to others about how CRSC restores retired pay based on your active duty time only. If you are an active duty retiree, not medically retired, you should get back $1914 in CRSC. If you were medically retired, you will get CRSC for your amount of active duty service: (2.5% X years of Active Duty service) X high-3 base pay at retirement. Shane

  17. Pamela Huffon 24 Mar 2016 at 5:30 pm

    I am receiving Va disability at 100% due to combat injuries. I was forced to take retirement after 17 1/2 years. I received a 70% disability from the Army. I originally was Army Reserve, but served 5 years active duty. How would my CRSC work? I am so confused.

  18. Roberton 24 Mar 2016 at 6:56 pm

    Good afternoon,

    Medically retired CW2 here, 8 years active duty. I was just curious if there were any circumstances where dfas would actually reduce your pay upon filing a CRSC application? You seem to understand the ins and outs and how to compute the formula, someone I’ve been searching for, for a while. My disability is combat related, so I should qualify for CRSC from what I’ve read, I just don’t know how much and if it’s worth filing the paper work and if you’d be able to answer that question for me? My VA rating is 90%, my DOD rating was 70% I believe. My Gross retirement pay is $2,800 and my VA waiver is $1,700, so basically I receive 1700 from the VA and 1100 from DFAS each month. Based on that information would you be able to tell me how much, if any of CRSC I would qualify for?

    Thank you for your time sir.

  19. Jimon 25 Mar 2016 at 8:37 am

    I am retired army for 20 years and has a service connected disability of 100%. My question is that my daughter is about to go to college but when I check the qualification, it states that you must be totally and permanent disable to qualify. Second is about the state benefits stating that you must be 90% service connected that is combat related. Please correct me if I’m wrong. Thanks.

  20. Shane Ostrom, CFP®on 28 Mar 2016 at 1:36 pm

    Jim, I don’t know which program you are talking about. You commented under the CRDP/CRSC article and what you ask about has nothing to do with CRDP/CRSC. If you are talking about a state program, MOAA is not involved with state programs. You’ll have to ask a representative from your state. Sorry…Shane

  21. Shane Ostrom, CFP®on 28 Mar 2016 at 1:45 pm

    Robert, I doubt you would get any additional money from CRSC if you applied. That said, I would apply anyway because you have nothing to lose by applying other than a little time and effort. The reason I don’t think CRSC would provide you extra money is because CRSC pays you for your 8 years of service–IF you are not already receiving pay for your 8 years of service. In your case, you are receiving $1100 from DFAS already and I estimate that is more than your 8 years of service earned you. So there is nothing more to provide. Shane

  22. Shane Ostrom, CFP®on 28 Mar 2016 at 1:54 pm

    Pam Huff, first realize that a portion of your Service retired pay is what you earned due to your 5 years of active duty service. The rest of your Service retired pay is due to your Service disability rating. CRSC ensures you get at least the amount of Service retired pay you earned due to your active duty service. 5 years of service is not much but if you are not receiving any retired pay now (because the VA Waiver wipes it out), CRSC could provide a little extra retired pay. On the other hand, if you already receive some Service retired pay because the VA Waiver doesn’t wipe it all out, you may get no additional CRSC money. Apply anyhow. You have nothing to lose by applying for CRSC…Shane

  23. Justin Watsonon 04 Apr 2016 at 11:01 am

    I have a question is CRSC only for people who retired? I got medically separated for combat related injuries after 8 1/2 years of service and I was a Staff Sergeant. I have tried to appeal this 4 times now with the BCNR for medical retirement, but they deny me every time. I was assigned a 10% rating from DoD and 100% from the VA. Obviously DoD made an error and did not take into account all of my injuries, but I can’t seem to get them to realize this, but that is another story. Is there a program for people who did not retire to receive additional income for combat related injuries?

  24. Shane Ostrom, CFP®on 04 Apr 2016 at 1:29 pm

    Justin, CRSC is a program to restore Service retired pay being denied to a retiree because they accept VA disability compensation. So you have to be receiving, or should be receiving retired pay, to be eligible for CRSC. There are no other pay programs besides Service retirement or VA compensation for disabilities from military/veteran sources. There is Social Security disability income if you qualify with the Social Security Administration. Shane

  25. Ronnie Jenningson 13 Apr 2016 at 5:58 am

    Iam a O-4 with 25years total, 8 years of active duty and medically retired. I qualified for CRSC for which I was 80%. I receive $25.00 dollars from CRSC . I think the math CRSC is using is flawed. Can you share some insight on this issue. Thank you

  26. Shane Ostrom, CFP®on 14 Apr 2016 at 7:58 am

    Ronnie Jennings, please note the comments and article where it mentions CRDP and CRSC only restore retired pay due to years of service. Also note comments about how a medical retirement is an “active duty” retirement which is why you get paid immediately at retirement and don’t have to wait until age 60 as a Guard/Reserve retirement requires. So your CRSC is based on 8 years of service. Most of your current total retired pay is based on a Service disability rating so the amount is much larger than if it were based on 8 years of service. Also when you turn age 60, that is when your 25 total years of service will kick in and at that time your concurrent receipt will be readjusted to consider all 25 years of service. I hope this helps. Additional explanation is in the previous comments. Thank you for your service…Shane

  27. Jimon 20 Apr 2016 at 6:32 pm

    I spent 15 years active duty in the Navy. I got medically discharged for service connected disabilities. Can I apply for CRSC OR CRDP. When I retired, I got a rating from the Navy at 30 percent, but the VA gave a rating of 40 percent. Over the years, my rating went from 30 to 100 percent. What should I do?

  28. Shane Ostrom, CFP®on 21 Apr 2016 at 10:20 am

    Please check previous posts for more details.

    CRDP is only for 20 year(+) retirees with 50% or greater VA ratings.

    CRSC is for any retiree with any VA rating as long as your illness or disabilities are combat-rated.

    Always apply for CRSC. Search ‘Navy CRSC’ on the web. All the Navy can do is say no. But if they say yes, you win. You got nothing to lose.


  29. Norman Gosselin, Jr.on 30 Apr 2016 at 10:40 pm

    Hello. 27 years ago my husband was crushed by a 3-ton boom while on a Navy ship. He was hospitalized 6 months, undiagnosed severe PTSD/Depression (very bad) & let go by honorable discharge service connected disability – arthritis. Swept under the rug! Trust me! It came out & now, he is VA 100% unemployable (pending). I honor all combat and service people. Thank You so much! I am a Navy Brat. But, my husband tremendously dealt with PTSD demons his whole life and I didn’t even know & I have been married/together 15 years. Now that I know the whole story, I realize how both of our lives in the negative sense is a direct result from this crushing accident. I have tried so hard In-between numerous Doctor appointments & 100% eye-on him, that I keep getting no where to get his record changed to medically retired. My husband is wishing for this acknowledgment for what he had to deal with his whole life alone. He @ one point when he told someone how he was afraid to go back on the ship, they threatened dishonorable discharge. That’s why he felt he had to keep his death fears a secret. We need help! Please. If I call, will someone just PLEASE take this significant issue and do the right thing, for my Husband?? He always has felt tossed to the side & it is NOT right. I hope someone will reply. Thank You, Everyone & I truly wish Health & Happiness to EveryOne! Thank You! Laura

  30. Shane Ostrom, CFP®on 02 May 2016 at 6:53 am

    Laura, check with this organization: They may be able to help.

  31. Phillipon 28 May 2016 at 8:49 am

    Sorry, but this whole ordeal is confusing. I retired normally and at 20 years as an E-6 from the Navy earlier this year. I get a retirement check of $1469 per month. My VA disability rating just came back at 70%, which with dependents equates to $1530.71 per month. Now I am about to receive 3 months of back $61.71 (pending VA direct deposit showing at my bank), which is the difference between the 2 pays, which is also odd as they have my eligibility listed as March 1, vice Feb 1, even though the over many months my application status always showed Feb 1.

    I have always heard and read info from Fleet and Family Service counselors, Transition Assistance Program counselors, the VA handboook that is given out, the state VSO’s, and the coworkers I have who I have talked to that also receive VA disability with ratings at about the same as mine and with normal longevity, non medical retirements, not being rated as unemployable and due to me being 70%, a full 20 years and normal, non medically retired, it looks and sounds to me, that I would be entitled to a monthly check of my normal retired pay of $1469, but also a VA compensation paycheck as a separate deposit of 70% rating at $1530.71 with dependents.

    Am I mistaken in that thinking? Am I missing something here? I have always understood that 50% is the magic number to reach to get a separate full VA disability check in accordance with the rating tables and not just a tax free offset to normal retired pay, and also receive a full normally expected military retirement paycheck and that I would also receive the full $1530.71 for each month of back pay until the day I separated so essentially, at this point, 4 months of back pay. (I retired Jan 31, 2016. I had started the process and submitted my medical record to the VA in October 2015 to get a jump on things). AM I wrong in my understanding of how this all works?

  32. Shane Ostrom, CFP®on 01 Jun 2016 at 7:45 am

    Phillip, unless you apply for CRSC, you are automatically covered under CRDP. This means you get all your retired and all your VA comp for a 70% rating. Your retired pay was effective 1 Feb 2016. Your VA comp was effective per the VA web site: “…in cases where the claim is filed within one year of separation from active military service…the effective date will be the day following separation.” Shane

  33. Daniel Parrison 14 Jun 2016 at 11:02 am

    I did 2 years 7 months as e-4 before getting a medical discharge for injuries that happened in Iraq. I was 60% with the va from December 2009 till February 2015. Then from February 2015 till now I’m at 90% va. Any idea what the CRSC would be?

  34. Shane Ostrom, CFP®on 14 Jun 2016 at 12:33 pm

    Daniel Parris, I can’t tell from the info you provided. Generally your CRSC would be small due to your grade and years of service…maybe $50-$100 give or take. Only a guess…Shane

  35. Sandeepon 20 Jun 2016 at 6:19 pm

    Hi, I was not medically retired from the US Army because my doctors said that the VA would take care of me. I am 100 percent through va. Can I still get CRSC Pay? If not, can I still get medboard without going into the military?

  36. Shane Ostrom, CFP®on 21 Jun 2016 at 2:36 pm

    Sandeep, You can’t get CRSC because CRSC is a form of retired pay and you don’t get retired pay. To appeal your case for whether you should have been medically retired, you have to file a Board for Correction of Military Records claim for why you should have been retired. If you are 100% VA rated, you must be pretty beat up. How did the Army not retire you? You have to be disability rated by the Service at 30% or more to be medically retired. The fact that you would qualify for VA care after the Service has nothing to do with whether the Army should medically retire you. In fact, if that is what you were told and it was the reason behind you not being medically retired, that was wrong and you should have a case with the BCMR. Shane

  37. Ronnie Jenningson 28 Jun 2016 at 1:32 am

    Ronnie Jennings I was a 0-4 with 25 years total, 9 which are active. Army rated me at 90% and the VA at 100%. CRSC granted 80% Combat related. I will be 60yrs in October this year, I now receive $25.00 for CRSC can I expect this amount too change or remain the same.

  38. Jimon 09 Jul 2016 at 5:17 pm

    I am trying to get CRSC, my PEB board says that my service connected disabilities were not combat related. My VA rating is 80 percent and I don’t get any retired pay from the Navy. I spent 15 years on active duty. My question is the VA says that my disabilities were was combat incurred and aggravated by the military? What should I do next? Thank you for any advice.

  39. Bob Sheareron 17 Jul 2016 at 5:41 pm

    I am a VietNam veteran who was medically retired in 1968. I have been the victim of the offset policy since that time. I recently was upgraded by the VA to 60% which resulted in some changes including applying for CRSC. With the help of an excellent VSO I applied for CRSC. The application was approved by the Army. It was made very clear that the offset from my retired pay would end. It has not. I have read the CRSC regulations and they are very clear both to myself and my VSO. The change to CRSC eliminates the offset against my pay. My VSO has ran up against the stone wall of “policy.” In other words, DFAS has made an improper interpretation of CRSC. The VSO has suggested I retain legal counsel on this matter. No one at DFAS is able to explain the improper pay or how they are calculating the improper amount. I would appreciate input on the issue if possible.
    Thank you,
    Bob Shearer

  40. Shane Ostrom, CFP®on 18 Jul 2016 at 11:09 am

    Bob S, The key to understanding CRDP and CRSC is understanding exactly what CRDP and CRSC are mandated to fix. They restore

      retired pay earned due to years of Service

    . They do

      not restore retired pay paid as a result of a Service disability rating

    . This is explained numerous times in the responses above and in the articles but the difference between retired pay earned by years of Service and retired pay paid due to Service disability is nuanced. Multiple your years of service by 2.5%. This percent times your base pay at the time of retirement is the retired pay owed due to years of service. Now, what was your Service disability rating? Probably a higher percent than the percent due to years of service. You were pay the higher percentage. You don’t get the retired pay over the percentage due to service. The extra pay because of the higher percentage is due to disability not service. CRDP and CRSC was never intended to provide two separate payments for the same disabilities. They ensure you get what you earned from your service time.

    Another possibility…your CRSC rating could be less than your VA rating. CRSC pays based on the CRSC rating. CRSC only rates

      combat disabilities

    not whole body disabilities like the VA rating. CRSC can be a sub-set of the VA rating. If your CRSC and VA ratings are the same, see the paragraph above again. Hope this helps…Shane

  41. Mikeon 18 Jul 2016 at 4:29 pm


    Can you help me determine my CSRC pay as I was an EOD tech of 11 years in the USMC and was medically retired at 100% VA comp. and was determined 100% DOD. I just have not been able to determine what to expect for CRSC pay?

    Thank you,


  42. Shane Ostrom, CFP®on 19 Jul 2016 at 7:18 am

    Mike, There are two steps to figure this out.

    Step 1) CRSC is paid according to your CRSC rating from the USMC. The CRSC rating amount and the VA disability compensation rating amounts are the same. See this VA site. Example: note on the VA site in the table under 30%, ‘Veteran Only’ amount of $407.75. If your CRSC rating is 30% and you are a veteran only, your CRSC pay would be $407.75. However that’s only Step 1.

    Step 2) With a 100% rating from DOD, you get medical retired pay of 75% of your ‘high-3 years average pay.’ Had you been paid ONLY for Years of Service (yos) time, 11 years, you would have been paid at 11yos times 2.5% = 27.5%; not 75% as you are. That means (75 – 27.5) 47.5% of your pay is due to disability and not service time. CRSC restores ONLY service time pay; the 27.5%. CRSC and the other form of concurrent receipt, CRDP, is designed to restore only service time pay. CRSC does not allow DOD pay for disabilities already being paid by the VA.

    So you will get the pay allowed by your CRSC rating and that pay maybe be reduced by the years of service percentage. For a rough idea, take your full gross (pre-tax and before all deductions) retired pay divide by 75%. Take this amount and multiple by 27.5%. This is the amount you earned due to years of service. Example: ($1000 gross retired pay divided by 75% = $1333 times 27.5% = $367 your max CRSC amount). You see if your CRSC rating is 30% at $407.75, you will be limited to $367 for years served.

    You get the Step 1 or Step 2 amount whichever is smaller.


  43. Paulon 14 Sep 2016 at 3:36 pm

    Hi Shane,
    Like most others I am totally lost on this subject and like everyone else I am also very concerned about applying for a program that degrades my benefits.

    I retired in 2003 with 20 year plus and was rated at 70% , 50% being anxiety disorder, 20% being various physical issues accrued over the years. knees , shoulder, joints, scars, etc…

    I had been dealing with my mental health issues since 1995-96

    I tried to deal with my mental health issues after retirement but they just became worse until I was told by many retiree health care network doctors to go to the VA for mental health care.

    I was being seen at the VA and was immediately told to apply for re-evaluation and I was eventually made 100% schedular for all physical and mental health issues for several years while getting mental health counseling. At the beginning of 2016 I was sent to be re-evaluated again and was was designated 70% TDIU P&T for PTSD.

    All my mental health issues began after Combat Action for which I have a CAR, but the mental health doctors and myself at the time didn’t realize that my in country experiences were the crux of my problems and so it wasn’t diagnosed as PTSD for years during active duty until I went to the VA years later. Back then, even more so than now, the military doctors didn’t really care what the actual cause was, they just wanted to hear your symptoms so they could plug you into the appropriate psych drug to cover up those symptoms and get you back to work.

    My questions are:
    Does the CRSC board go through all medical records from 1995 till now or do they rely on the latest documentation from the VA?

    I may have this wrong but when it comes to percentages would the CRSC board possibly say that 100% of my 70% PTSD disability is combat related? or would their rating be limited to 70% or less due to the VA rating. In other words are they assigning a percentage to what is combat related? or how much they think the condition is debilitating.

    I have been receiving CRDP since it was instituted. Would having been in receipt of CRDP negate any back pay due from choosing CRSC which as I understand can be backdated (to 2003?) ? If the CRSC is more than the CRDP do the award the difference between the two? Or if it is less would they take some back?

    Would the years I was rated 50% Anxiety Disorder, and the years 100% schedular with 80% being Anxiety Disorder, and the years at 70% PTSD be calculated differently for CRSC back dating purposes?

    If I apply to get a CRSC rating would it automatically be put in place of the CRDP if DFAS designates it more beneficial to me? Or do i have a choice of which one to choose?

    If I have a choice would I be able to see what the difference would be between the two prior to choosing?

    Thanks so much for having this forum,

  44. Shane Ostrom, CFP®on 14 Sep 2016 at 9:12 pm

    Paul, the CRSC boards look as far back as necessary for your illnesses or disabilities. They rate the combat portion of your issues. The max award amount is limited to your time in service and VA compensation amount. You can’t make more money than you have in offset retired pay–due to service time. Your CRSC would be back dated but you can’t get more money than due. So if your CRDP did not provide all that CRSC could, you get the difference. If CRSC is less than CRDP, there won’t be retro pay. Yes, the ratings over the years will impact the retro amounts as ratings went up and down. That’s why it may take a little while to figure the retro pay portion. You stand nothing to lose by applying for CRSC. DFAS will pay the greater amount at first. After the initial award, you will receive the Open Season letter each December that gives you the choice of which you want. Yes, you are shown the different amounts to make a decision. Shane

  45. Ronon 26 Sep 2016 at 4:01 pm

    Greetings, I retired from the Army Reserve in January 1999 with 22 years of service. I did 15 years 9 months of active duty and 6 plus years in the Army Reserve for a total of 22 years. In June 1999 I was awarded hundred percent disability rating for service-connected disabilities permanent and total. I have a 20 year letter as well. I will begin receiving retired pay next year 2017 do I qualify for retroactive payments. I also received the ssb which are paid back in full many years ago. I am not receiving my full VA disability pay.

    Thank you for oh you do to help veterans

  46. Shane Ostrom, CFP®on 28 Sep 2016 at 7:06 am

    Ron, to receive retro pay in CRDP or CRSC, you had to be denied retired pay in the past you should have received. Your pay doesn’t start until age 60. If you are denied retired pay from age 60 forward, you could get retro CRDP or CRSC. Being denied retired pay due to repayment of separation pay does not count for retro because that is pay you owed. Shane

  47. Tim dodgeon 22 Oct 2016 at 2:11 am

    I recently retired medically. From the army 13 years. I received 80% army 100% Va. where do apply for CRSC and what’s the estimate on my crsc payment. PTSD 70% combat related

  48. Shane Ostrom, CFP®on 23 Oct 2016 at 6:16 pm

    Tim, google ‘Army CRSC’ for the Army CRSC site with all the application info and forms. There is no way to estimate a CRSC payment until your CRSC rating is known. Best you can get is 32.5% of your high-3 average base pay at the time of retirement (13YOS x 2.5%) x High-3 = best CRSC amount. Assuming highest CRSC rating. Shane

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