Why a Retirement Checklist Matters
Military retirement involves dozens of overlapping deadlines across pay, benefits, healthcare, and legal paperwork. Missing a single step — like failing to file your VA disability claim through the Benefits Delivery at Discharge (BDD) program before separation, or letting your SGLI lapse without converting to VGLI — can cost you thousands of dollars and months of delayed benefits.
A structured timeline keeps every action item visible so nothing falls through the cracks. Starting 12 months out gives you enough runway to gather records, attend required briefings, and make informed decisions about retirement pay options, the Survivor Benefit Plan, and healthcare coverage. The earlier you begin, the smoother your transition from active duty to retired status.
Frequently Asked Questions
What is the difference between Final Pay, High-36, and BRS?
Final Pay uses your base pay at retirement (only available for members who entered service before September 8, 1980). High-36 averages your highest 36 months of base pay and applies to those who entered between September 8, 1980 and December 31, 2017. The Blended Retirement System (BRS) combines a reduced High-36 multiplier (2.0% instead of 2.5%) with TSP matching contributions and a mid-career continuation pay bonus. If you entered service after January 1, 2018, you are automatically under BRS.
When should I file my VA disability claim before retirement?
File through the Benefits Delivery at Discharge (BDD) program between 180 and 90 days before your separation date. BDD allows the VA to begin processing your claim while you are still on active duty, which often results in a rating decision within weeks of retirement rather than months. If you are within 89 days of separation, you can still file a pre-discharge claim but processing may take longer.
What is the Survivor Benefit Plan (SBP) and is it worth it?
SBP provides your surviving spouse (or other eligible beneficiary) up to 55% of your retirement pay if you die. The cost is 6.5% of your base retirement pay. You must make your SBP election before retirement — it is irrevocable after your first retirement pay. Whether SBP is worth it depends on your age, health, other life insurance coverage, and your spouse's financial situation. Read our full SBP guide →
How do I convert SGLI to VGLI after retirement?
You have 240 days (about 8 months) after separation to convert your Servicemembers' Group Life Insurance (SGLI) to Veterans' Group Life Insurance (VGLI) without a medical exam. If you apply within 240 days, you are automatically approved at the same coverage level. After 240 days you can still apply, but you will need to provide evidence of insurability (medical underwriting). VGLI premiums increase with age, so compare rates with private term life insurance before deciding. Learn more about VGLI →