Retirement Gouge Booklet 01jul22

REVISED 01 JULY 2022
Preface
During my transition process, I have been frustrated navigating through multiple sources of
information (which often conflict). This document is my attempt to consolidate information and
make retirement information easier to access. I will continue to update this document as I
discover information and learn lessons through the remainder of my transition.
I have focused on collecting information pertinent to an Active-Duty Senior Naval Officer

preparing to retire and seek a career in the private and public business sector in New England;
however, I have included additional information that I discovered during my transition (e.g., VA
resources to support starting your own business).
The electronic version of this document contains hyperlinks to most of the forms and references.
If you find errors or have feedback, please contact me at Patrick.kulakowski@gmail.com
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Intentionally Blank
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Table of Contents
Preface....................................................................................................................................1
Table of Contents....................................................................................................................3
Section 1: Timeline..................................................................................................................7
EVENTS KEYED TO YOUR RETIREMENT DATE....................................................................7
>12 Months Prior..................................................................................................................................................7
6-12 Months Prior.................................................................................................................................................7
6 Months Prior.......................................................................................................................................................7
4-6 Months Prior...................................................................................................................................................7
3 Months Prior.......................................................................................................................................................7
30 Days Prior.........................................................................................................................................................8
2 Weeks Prior........................................................................................................................................................8
Last Day................................................................................................................................................................8
Post Retirement.....................................................................................................................................................8
EVENTS KEYED TO OTHER MILESTONES..............................................................................9
60 Days Prior to PTDY/Terminal Leave...............................................................................................................9
30 Days Prior to PTDY/Terminal Leave...............................................................................................................9
Prior to Employment.............................................................................................................................................9
Section 2: Organizations and Resources to Support Your Retirement Preparations................10

American Corporate Partners (ACP).............................................................................................10
DoD SkillBridge..............................................................................................................................10
FourBlock.......................................................................................................................................10
Hiring Our Heroes..........................................................................................................................10
LinkedIn..........................................................................................................................................10
Military Officer’s Association of America (MOAA) ($).................................................................11
Navy Credentialing Opportunities On-Line (NAVY COOL)........................................................11
Ruehlin Associates ($).....................................................................................................................11
Syracuse University D’Aniellow Institute for Veterans & Military Families................................11
USO.................................................................................................................................................11
Veterati...........................................................................................................................................11
VETS2INDUSTRY.........................................................................................................................11
Vets2PM ($)....................................................................................................................................12
50 Strong.........................................................................................................................................12
Section 3: DoD SkillBridge......................................................................................................13
Overview.........................................................................................................................................13
3
How to Find an Opportunity..........................................................................................................13

 SkillBridge Website https://skillbridge.osd.mil/locations.htm................................................................13
 LinkedIn https://www.linkedin.com........................................................................................................13
 50strong https://www.50-strong.us/skillbridgelistings.............................................................................13
Section 4: Separation History and Physical Examination (SHPE).............................................14

Requirement...................................................................................................................................14
Preparation.....................................................................................................................................14
Key References................................................................................................................................14
Section 5: Veteran’s Affairs Disability Claim..........................................................................16
Types of VA Claims:.......................................................................................................................16
Benefits Delivery at Discharge (BDD).............................................................................................................16
Fully Developed Claims (FDC)........................................................................................................................16
Standard Claim.................................................................................................................................................16
Major Steps to File Your Fully Developed Claim..........................................................................16
How Do I Apply (Where to Get Help)?..........................................................................................17
Do it Yourself (Online or by Mail)...................................................................................................................17
Work with a Veteran Service Organization (VSO)........................................................................................17
Work With a Private Organization.................................................................................................................17
Schedule for Rating Disabilities (38 USC 1155).............................................................................17
Appealing VA Claim Decision........................................................................................................17
Disability Ratings – Significance of Your Rating...........................................................................18
Disability Rating Math...................................................................................................................18
Manual Computation........................................................................................................................................18
38 CFR 4.25 Table I..........................................................................................................................................19
Section 6: Veterans Affairs & Small Business Administration.................................................20

Burials.............................................................................................................................................20
Post-9/11 GI Bill..............................................................................................................................20
Solid Start Program........................................................................................................................20
Veteran Entrepreneurship Training Program...............................................................................20
 Boots to Business......................................................................................................................................20
 Boots to Business Reboot........................................................................................................................20
 Boots to Business Revenue Readiness....................................................................................................20
 Women Veteran Entrepreneurship Training Program (WVETP).....................................................21
 Service-Disabled Veteran Entrepreneurship Training Program (SDVETP)....................................21
 IVMF – Entrepreneurship Bootcamp for Veterans with Disabilities (EBV).....................................21
 Veterans Entrepreneurship Program (VEP)........................................................................................21
 Entrepreneurship Bootcamp for Veterans – St. Joseph’s University.................................................21
 Dog Tag Inc..............................................................................................................................................21
 Veteran Federal Procurement Entrepreneurship Training Program (VFPETP).............................21
Section 7: Certificate of Release or Discharge from Active Duty (DD 214)...............................22
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Why Do I Need a DD 214?..............................................................................................................22

How Do I Avoid Errors in the DD 214?..........................................................................................22
Corrections to the DD 214..............................................................................................................22
Validation of Awards......................................................................................................................22
Missing Awards – Is it Worth My Time?.......................................................................................23
Navigating the Numerous DD 214 Copies......................................................................................23
MEMBER-1.......................................................................................................................................................23
SERVICE-2........................................................................................................................................................23
VETERANS ADMINISTRATION-3..............................................................................................................23
MEMBER-4.......................................................................................................................................................24
DEPARTMENT OF LABOR-5.......................................................................................................................24
STATE DIRECTOR OF VETERANS AFFAIRS-6......................................................................................24
SERVICE-7........................................................................................................................................................24
SERVICE-8........................................................................................................................................................24
Section 8: Survivor Benefits Plan............................................................................................25

Purpose...........................................................................................................................................25
Basics...............................................................................................................................................25
Cost.................................................................................................................................................25
Change/Discontinue Coverage........................................................................................................25
Additional Resources......................................................................................................................25
Section 9: Medical Choices Post Separation...........................................................................27
Federal Employees Dental and Vision Insurance Program (FEDVIP)..........................................27
Dental..................................................................................................................................................................27
Vision..................................................................................................................................................................27
Tricare.............................................................................................................................................27
Tricare Prime..................................................................................................................................27
Tricare Select..................................................................................................................................27
US Family Health Plan (Managed by Brighton Marine Health Center in New England)............27
Tricare for Life...............................................................................................................................27
Section 10: Additional Information........................................................................................29
Household Goods (HHG) Storage..................................................................................................29
Household Goods (HHG) Transportation......................................................................................29
Leave...............................................................................................................................................29
Permissive Temporary Duty (PTDY)..............................................................................................................29
Separation Leave (aka, Terminal Leave)........................................................................................................29
Lump-Sum Payment for Accrued Leave........................................................................................................29
Long-Term Care Insurance............................................................................................................30
Presidential Letter of Appreciation................................................................................................30
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Retirement Flag..............................................................................................................................30
Retirement Orders..........................................................................................................................30
Retirement Pay...............................................................................................................................30
Thrift Savings Plan (TSP)...............................................................................................................30
Travel..............................................................................................................................................30
Veteran’s Life Insurance Options..................................................................................................31
Service-Disabled Veterans Life Insurance (S-DVI).......................................................................................31
Veteran’s Affairs Life Insurance (VALife).....................................................................................................31
Veteran’s Group Life Insurance (VGLI)........................................................................................................31
Section 11: Recommended Reading.......................................................................................32

Enclosure 1: My Personal Timeline........................................................................................33
Enclosure 2: Sample Awards Documentation.........................................................................35
Select References..................................................................................................................37
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Section 1: Timeline
EVENTS KEYED TO YOUR RETIREMENT DATE
>12 Months Prior

 Submit Retirement Request via NSIPS (MY THOUGHT: Even if you are approaching
high-year tenure, submit your request and don’t wait for NPC to initiate the paperwork)
 Attend Initial Pre-Separation Counseling
 Register for/attend TAP
 Do a self-assessment on your medical history and ensure any issues are in your medical
record – having it documented in your record is essential (See Enclosure (1) for
additional information)
6-12 Months Prior

 If executing a post-retirement move, schedule Household Goods Transportation
Counseling: N/A
 Research life insurance options
MY THOUGHT: Don’t wait until you start the process to document your health to
support your VA claim. That information will be disclosable to your potential insurance
company – and your rates will likely be higher) – Let that come with job offer
 Submit DD Form 2870 to the facility that maintains your medical record to obtain a copy
of your medical record. DoD Instruction 6040.45 reiterates that the DoD Health Record is
property of the U.S. Government, not the beneficiary. The patient has the right to a copy
of the information. The medical facility may provide a CD and/or link to an electronic
copy via the DoD Safe website.
MY EXPERIENCE: I was able to transfer the electronic copy to my work address via
OneDrive, then print the files for review. The email with the link to the medical record
cannot be sent to a DoD email address.
6 Months Prior
 Schedule Separation History and Physical Examination (SHPE); this exam will be
conducted between 90 and 180 days prior to your retirement date or start of terminal
leave (See Appendix 9)
 Schedule exit dental exam (this should occur within 90 days of retirement)
4-6 Months Prior

 Determine if you will take terminal leave or sell back your leave balance
 Provide Separation Leave Paper to PSD/TSC
 Eligible for Syracuse University programs
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3 Months Prior
 Complete TAP Capstone event (this may be completed earlier)
 Complete VA Healthcare Registration
 Obtain a Veteran’s Preference Letter from eBenefits
 Complete dental cleaning (DD FORM 214 BLK 17 needs to be filled out to indicate if
dental visit was performed within 90 days)
 Schedule and conduct eye appointment/prescription (if applicable)
 Closeout Government travel card
 Verify you have setup password login for the following accounts (you might be accessing
with a CAC now:
 myPAY
 dsLogin
 Milconnect
 Commence applying for jobs (many employees prefer to talk to job candidates who can
start within 90 days)
 Finalize HHG move (if applicable)
 Use NPPSC 1800/1, NPPSC Fleet Reserve/Retirement Checklist to assist in your
preparations
30 Days Prior
 Download NPC files
 Make ID card appointment
 Obtain final CD of all Dental and Medical Records
 Eligibility starts to sign up for eye and/or dental coverage with BENEFEDS
 Medical conducts an administrative review and validation of the qualifying Separation
History and Physical Exam
2 Weeks Prior
 If using a VSO, contact the VSO to develop plan for completing VA claim
Last Day
 Sign and take receipt of DD FORM 214 MEMBER-1 and MEMBER-4 copies.
RECOMMENDATION: Highlight the original with yellow highlighter; make certified
copies (NFCU can do this)
 Turn-in CAC and obtain U.S. DoD/Uniform Services Sponsor Identification and
Privilege Card
Post Retirement
 Signup for Tricare via website, phone (East 1.800.444.5445, West 1.844.866.9378), or
Mail. (You have 90 days to enroll after our retirement date for no break in coverage; must
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be done within 12 months or you need to wait until open season, or a Qualifying Life
Event occurs).
 SGLI and FGLI coverage will continue for 120 days
 Download final copies of LESs from MyPay (Final W-2 will not be available until the
following January)
 Verify DEERS enrollment status
 Begin to prepare your disability claim with your local VSO
 Register with the VA Burial Pre-need program
 Apply for Veteran ID Card, Veteran’s Health Identification Card, or print Proof of
Insurance
EVENTS KEYED TO OTHER MILESTONES

60 Days Prior to PTDY/Terminal Leave
 Provide PTDY Orders/Approved Request (Job and House Hunting) to MILPERS
 Submit the following documents1:
 DD Form 2586, Verification of Military Experience and Training (VMET)
 Joint Service Transcript (JST)
 DD Form 2656
o Retired Pay Information
o Lump Sum Election
o Survivor Benefit Plan
 DD Form 2558, if you have allotments that need to be stopped
 DD eForm 2648, CAPSTONE completion required
 NPPSC 1900/1, NPPSC Separations Questionnaire
o Awards
o Medical and Dental Endorsements
 Awards Memo (Proof of all awards for inclusion on DD 214); see Section 6,
Validation of Awards for details
 Copy of approved leave chit from NSIPs
 Copy of Permissive TDY orders (20 days max)
 Completed Command Check-out Sheet
30 Days Prior to PTDY/Terminal Leave

 Verify draft DD Form 214 in NSIPS
1
Requirement delineated at the U.S. Naval War College – your command requirements could differ
9
Prior to Employment
 Submit DD Form 2945 to receive a “Letter of Opinion”, “30-Day Letter”, or “Safe
Harbor Letter” from Legal regarding post-service employment restrictions. This is not
always required – consult with your JAG to determine if necessary.
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Section 2: Organizations and Resources to

Support Your Retirement Preparations
($ Indicates that access to all/some resources may require payment)
American Corporate Partners (ACP)
Matches you up with a corporate mentor based on your intended career path. Program lasts one
year and requires monthly communication with your mentor. Discussion topics are driven by the
service member. ACP also provides several resources (e.g., elevator pitch recommendations).
https://www.acp-usa.org/
DoD SkillBridge
Personnel are eligible to participate for up to 6 months prior to retirement with command
approval. The website is wonky and not the way to find a SkillBridge opportunity – LinkedIn is
an efficient way to find opportunities. Follow Dave Schantz on LinkedIn for tips.
https://skillbridge.osd.mil/
FourBlock
10-week course (2 hours online each week). Each week includes a presentation by a company
and opportunity to interact in small group breakout sessions. Each week covers a different topic
(e.g., networking, resume). You will be assigned a coach for one-on-one sessions – interaction
tailored based on your need.
https://fourblock.org/
Hiring Our Heroes

Fellowship programs, hiring events, education & networking, resources, and job board.
https://www.hiringourheroes.org/
LinkedIn
Military personnel preparing to separate are eligible for 1-year of free LinkedIn Premium access
https://socialimpact.linkedin.com/programs/veterans/premiumform. LinkedIn provides an
excellent platform to network, research future careers, and access to training (e.g., PMP,
Interview Preparations, Drafting a Resume). If new to LinkedIn, I recommend starting by
following:
 Michael Quinn – LINKEDIN Guidance
 Dave Schantz - DoD SkillBridge
 Roger Richards – RI Veterans Affairs
 Doc Wright – Vets2PM
 DoD SkillBridge Community of Practice
 Vetalent
https://www.linkedin.com
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Military Officer’s Association of America (MOAA) ($)

Transition assistance (e.g., resume review; webinars (some free)). MOAA membership required
for full access to resources. I thought the webinars and resume review were worth joining
(additionally MOAA supports preserving and advancing our retirement benefits).
https://www.moaa.org/?
utm_source=landingpg&utm_medium=logotop&utm_campaign=Joinmoaa
Navy Credentialing Opportunities On-Line (NAVY COOL)

www.cool.navy.mil
Explains civilian certification and license requirements related to your Navy career – Navy
COOL will pay for many exam certifications. NOTE: Due to budget cuts in FY22, Navy COOL
placed a hold on all new Officer voluntary credential funding requests. This opportunity may
return in FY23.
Ruehlin Associates ($)

Executive-level Career Transition Seminar. Each warfare community has a lead to schedule/fund
(e.g., 1110s via CNSL N1). 5-day event held in Norfolk or Pax River. Contact Ruehlin directly if
you can’t find your community lead. Some communities will pay the Ruehlin fees, some will
also pay for travel/lodging.
https://www.ruehlinassociates.com/
Syracuse University D’Aniellow Institute for Veterans & Military Families

Career skills program, to include career training, professional certifications (e.g., PMP, Six
Sigma), and employment services support. Services start 6 months prior to approved retirement
date.
https://ivmf.syracuse.edu/
USO
Pathfinder Transition Program, Webinars, coaches
https://www.uso.org/programs/uso-pathfinder-transition-program
Veterati
Connects transitioning veterans to mentors in industry.
https://www.veterati.com/
VETS2INDUSTRY
Initially founded as a repository for information and to provides access to Veteran Service
Organizations, as well as other military resources and benefits. Also provides career tool
webinars, and platform for recruiters and transitioning military (and spouses) to connect and
explore career opportunities.
https://vets2industry.org/about-v2i/
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Vets2PM ($)
Includes courses, webinars, training, free resources, and a collection of good information.
Subscription required for some free items.
https://vets2pm.com/
50 Strong
SkillBridge opportunities listed, information about SkillBridge, and on-demand mentorship. Also
has a presence on LinkedIn.
https://www.50-strong.us/
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Section 3: DoD SkillBridge

[I’ll continue to develop this section as I conduct my SkillBridge internship]
Overview
The SkillBridge program provides an opportunity for Service members to gain valuable civilian
work experience through specific industry training, apprenticeships, or internships during the last
180 days of service. Refer to the DoD SkillBridge website for additional details on the program:
https://skillbridge.osd.mil/resources.htm.
How to Find an Opportunity

 SkillBridge Website https://skillbridge.osd.mil/locations.htm.
You will inevitably do a google search and find this page. If you are trying to find a
SkillBridge opportunity, this is not a spot for one stop shopping. Although there are over
1600 approved programs on this page, it does not include all opportunities and locations.
The best use for this page is to find companies you are interested in along with a POC
email address. Email the company POC and start a conversation about potential
opportunities.
NOTE: I started here and was very disappointed to find limited opportunities in Rhode
Island. I eventually found and was selected for a SkillBridge opportunity at Raytheon
Missile Defense in Portsmouth RI – don’t be discouraged, there are many opportunities
not listed here.
 LinkedIn https://www.linkedin.com
Search “DoD SkillBridge” on LinkedIn Jobs. You can combine this with a location and/or
company name. All opportunities aren’t listed here, but it is worth your time and effort.
Many of these will provide a POC and/or a link to submit an application.
NOTE: Network first! Just like with your resume, you need to expend time to network and
understand the company you are applying to. Having someone on the inside you
recognizes your name or who can provide a referral is important.
 50strong https://www.50-strong.us/skillbridgelistings
80+ DoD authorized employer partners are listed here and updated regularly. Additionally,
there is a significant amount of actionable information is shared at the 50strong
SkillBridgeConnect Info Sessions and 50strong SkillBridgeConnect Networking Events.
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Section 4: Separation History and Physical

Examination (SHPE)
[DEVELOPMENT OF THIS SECTION IN PROGRESS – I WILL ADD TO THIS SECTION
ONGOING AS I GO THROUGH THIS PROCESS]
Requirement
This must be performed between 90 and 180 days prior to your retirement date or start of
terminal leave.
Preparation
I was directed to complete the applicable portions of the following forms prior to arriving for
my appointment:
 Locally prepared form in which I acknowledged that I read the Manual of the Medical
Department, NAVMED P-117, Article 15-20 and 15-21
 NPPSC 1900/1, NPPSC Separations Questionnaire
 DD Form 2697, Report of Medical Assessment
 DD Form 2807-1, Report of Medical History
 DD Form 2808, Report of Medical Examination
Key References
DoD Instruction 6040.46
 Directs all active-duty members to complete the SHPE prior to retirement/separation
from active duty and record exam on DD Form 2808. Provides timeline requirements.
NAVMED P-117 Article 15-20 (Separation from Active Duty) and Article 15-21
(Retirement from Active Duty
 Separation examinations and evaluations shall be performed within 180 days of last
active-duty day
 DoD-performed physical exam may be accepted if performed 90 days and 12 months
prior to scheduled separation; however, a medical assessment must be completed no more
than 30 days prior to separation from active duty.
 The following minimum must be completed as part of the separation evaluation:
 DD Form 2807-12, reviewed by examiner
 Physical examination documented on DD Form 28081
 Determination by the examiner if the Service member is physically qualified for
separation1
 All Service members over the age of 35 at their effective date of separation shall be
offered screening for Hepatitis C antibodies; NAVMED 6230/1 must be completed if
requested
2
Provider may accept a current VA compensation and pension history and physical or special duty examination
15
 A mental health assessment completed within 180 days of separation

 The completed DD Form 2807-1, DD From 2808, and the results of the Hepatitis C
(if done) and mental health assessment will be uploaded into the member’s electronic
medical record
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Section 5: Veteran’s Affairs Disability Claim

Types of VA Claims:
Benefits Delivery at Discharge (BDD)
 File 90-180 days before retirement.
 VA health exam during active duty; expedited decision as soon as 30 days or less
after discharge.
 Not eligible for support from a Veteran Service Officer.
Fully Developed Claims (FDC)

 Submit evidence along with your claim
 Expedited processing compared to Standard Claim
 Able to work with Veteran Service Officer
Standard Claim
 Evidence not required to submit
 Significantly increased processing time
MY OPINION: Don’t submit your VA claim prior to retirement…if you do, then if you need to
appeal you need to use a JAG. If you wait until you are retired, you can be represented by a
National Service Officer (they are able to appeal and generally are much more proficient at the
process). You have 1 year from your retirement date to submit your claim – any benefits would
be backdated to your retirement date.
Major Steps to File Your Fully Developed Claim

 Honestly answer the medical history questions on DD Form 2807-1, Report of Medical
History
 Submit DD Form 2870 to obtain a copy of your medical records
 Gather any supporting medical evidence
– DD-214 MEMBER-4
– Medical Records
 Cross-check your DD Form 2807-1 against your medical record
 Update your DD Form 2807-1 with medical issues found in your record that you might
have missed (e.g., Asbestos exposure)
 If you have medical issues that aren’t documented, make an appointment with your
medical provider.
 Draft Disability Application 21-526 EZ
 Appoint VSO representative if desired (Complete Form 21-22 power of attorney)
 Provide supporting medical evidence (exit physical/medical record)
 Complete verification of dependents
 Conduct C&P exam at VA hospital (in addition to your separation physical)
 Receive the rating decision
17
 Accept or appeal the decision

How Do I Apply (Where to Get Help)?
Do it Yourself (Online or by Mail)

MY OPINION: Non-starter – we don’t have experience submitting a VA claim, so why
not leverage the expertise of a VSO. I’m not even including the link – if you want to
pursue this method, best of luck.
Work with a Veteran Service Organization (VSO)

The following site can be used to verify your representative is an accredited
representative: https://www.va.gov/ogc/apps/accreditation/
Note: For those retiring in Rhode Island:

 AMVETS
o Stephen Boland
o Phone: 401.223.3702
o Email: Stephen.boland@va.gov
 Veterans of Foreign Wars
o Rachael Garcia
o Email: Rachael.garcia.vfw@gmail.com
Work With a Private Organization

It is unlawful for any person or organization to charge a fee to assist in preparation of a
VA claim unless the VA has made its initial decision on the claim. Many of these
organizations claim, “No Fee Until We Win”.
MY OPINION: Use the experts at a VSO of your choice and don’t waste your time and
money.
Schedule for Rating Disabilities (38 USC 1155)

This document provides the general policy in rating, disability ratings for specific
conditions https://www.ecfr.gov/current/title-38/chapter-I/part-4
Appealing VA Claim Decision

Appellate Rights – you can go before a court/board to defend your claims. If you submit
your claim on active duty, you could get JAG assistance. If you submit once retired, you
can get support from a Veteran’s Service Organization (if they assisted in preparing the
submission).
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Disability Ratings – Significance of Your Rating
Disability Significance
Rating (%)
- Current condition does not qualify for VA payments.
- Possible eligibility for VA Health Care, Travel Pay
Reimbursement, VA Dental Care, VA Vision Care, Service-
0 Disabled Veterans Life Insurance (S-DVI) or Veterans Affairs Life
Insurance (VALife) [see section 10].
- Rating of 0% could be increased if the condition gets worse.
- VA payments (2022 - $152.64 tax free) + VA Medical Care for that
issue + Vocational Readiness and Employment
> 10 - For those staying in RI, >10% disability rating – eligible for free
tuition at RI Public College/University (must apply for and use
financial aid first).
>30 - Tax free VA payments (Rate Depends on Dependent Status)
>40 - USAJOBS Hiring Preference
- Above + VA Health Care Priority Group 1, Concurrent Retired and

>50 Disability Pay
- Above + Dental Care, Civilian Health, and Medical Programs of
the Dept of Veterans Affairs (CHAMPVA), Specially Adapted
100 Housing Program Veteran Benefit, Dependents Education
Assistance Program
Disability Rating Math

There are two methods available to compute your overall disability rating. Either method will
yield the same result.
Manual Computation
Sample - Assume you received the following disability rating for three service-related
claims: 30%, 20%, 10%
 30% Rating (Highest Disability Rating)
o (Highest Disability Rating) x (Initial Efficiency Rating) = Overall Disability
Rating
o 30% x 100 = 30%
 (Efficiency Rating) – (Disability Rating) = New Efficiency Rating
o 100 – 30% = 70
o 20% Rating (Next Highest Disability Rating)
 (New Efficiency Rating) x (Disability Rating) = Rating
o 70 x 20% = 14%
19

o 70 – 14% = 56
 10% Rating (Next Highest Disability Rating)
 (New Efficiency Rating) x (Disability Rating) = Rating
o 56 x 10% = 5.6%
o 56 – 5.6% = 50.4
 Round to nearest 10…50%
38 CFR 4.25 Table I

 Arrange disability ratings from highest to lowest.
 Select the highest disability with its corresponding value on the vertical axis, select
the next highest disability value on the horizontal axis. Select the value at the
intersection of the column and row.
 Use the newly calculated value to lookup the corresponding value on the vertical axis
and select the next highest disability value on the horizontal axis. Select the value at
the intersection of the column and row.
 Repeat until all disability ratings assessed.
 Round to the nearest 10 for your overall disability rating (5 will be rounded up).
20
Section 6: Veterans Affairs & Small Business

Administration
Burials
Submit once retired and print out so next of kin will have the guidance if you want to use this
www.va.gov/burials-memorials/pre-need-eligibility
Post-9/11 GI Bill
Provides factsheets, handouts, and forms.
https://www.benefits.va.gov/gibill/handouts_forms.asp
Solid Start Program

Newly separated service members can expect three calls from qualified Solid Start
representatives over the first year of separation. VA will attempt to contact you several times
around the 90-, 180-, and 365-days post-separation. The following phone number will be used to
call you: 1.800.827.0611.
The VA Solid Start representatives will not ask you for financial information and will only
discuss topics you are comfortable with.
Veteran Entrepreneurship Training Program

The U.S. Small Business Administration offers the following to support training veterans to own
and operate small businesses.
https://www.sba.gov/business-guide/grow-your-business/veteran-owned-businesses
 Boots to Business
Initial training through U.S. DoD Transition Assistance Program (TAP).
https://sbavets.force.com/s/
 Boots to Business Reboot

Additional training beyond that offered in TAP.
https://sbavets.force.com/s/reboot-course-information
 Boots to Business Revenue Readiness

Available after completion of Boots to Business or Boots to Business Reboot for 6-week
virtual program to prepare participants to take an idea from concept to executable business
model.
https://sbavets.force.com/s/rr-msu-course-information
21
 Women Veteran Entrepreneurship Training Program (WVETP)

Entrepreneurship training for women veterans and spouses. There are three training
programs available:
 IVMF – Veteran Women Igniting the Spirit of Entrepreneurship (V-WISE)

https://ivmf.syracuse.edu/programs/entrepreneurship/start-up/v-wise/
 Lift Fund – San Antonio

https://business.okstate.edu/riata/vep.html
 ONABEN
https://onaben.org/what-we-do/signature-programs/
 Service-Disabled Veteran Entrepreneurship Training Program (SDVETP)

Entrepreneurship training to service-disabled veterans who desire to own or currently own a
small business.
 IVMF – Entrepreneurship Bootcamp for Veterans with Disabilities (EBV)

https://ivmf.syracuse.edu/programs/entrepreneurship/start-up/ebv/
 Veterans Entrepreneurship Program (VEP)

https://business.okstate.edu/riata/vep.html
 Entrepreneurship Bootcamp for Veterans – St. Joseph’s University

https://sites.sju.edu/veteransservices/entrepreneurship-programs/sju-entrepreneurship-
bootcamp-for-veterans-with-disabilities-ebv/
 Dog Tag Inc.

https://www.dogtaginc.org/
 Veteran Federal Procurement Entrepreneurship Training Program (VFPETP)

Delivers training to veteran-owned and service-disabled veteran-owned business es
nationwide interested in pursuing or already engaged in federal procurement.
https://nationalvip.org/
22
Section 7: Certificate of Release or Discharge

from Active Duty (DD 214)
(Refer to MILPERSMAN 1070-340 and BUPERSINST 1900.8E)
Why Do I Need a DD 214?

Contains the information needed to verify military service for benefits, retirement, employment,
and membership in veterans’ organizations.
How Do I Avoid Errors in the DD 214?

Accurately complete NPPSC 1900/1 (Primary source of data for the DD 214)
Review the DD 214 prior to signing. The supporting personnel office will coordinate arranging
the member to review and sign the form. If the member is “unavailable”, the supporting
personnel office can annotate the DD 214 “member not available for signature” and forward
respective copies. Make sure your personnel office has your contact info!
Corrections to the DD 214

A DD 215 must be completed, and a corrected DD 214 will be issued
Validation of Awards
All your awards (especially unit awards) will likely not be in your records. If you don’t take
action all the awards you earned will not appear on your DD 214.
Step 1: Preparation
 List all the awards you earned using NPPSC 1900/1, NPPSC Separations
Questionnaire.
Step 2: Verify the contents of your OMPF (personal and unit awards)
 https://www.bol.navy.mil/bam/ and select OMPF
 Search field code 32 (PG 13s) and 37 (Awards)
 Download and print; highlight any awards that are missing in NSIPS
Step 3: Unit Awards

 Print or save your history of assignments in NSIPS
 Employee Self Service>Electronic Service Record>View>History of Assignments
 Search for unit awards via BOL and print out the summary with the award in question
highlighted
 https://www.bol.navy.mil/bam/ and select Navy Personnel Command Document
Services
23
Step 4: Personal Awards

 Personal awards you may have on hand cannot be mailed into NPC; they must be
entered into NDAWs by an NDAWs administrator, then mailed to PERS-313
Step 5: Document Missing Awards

 Draft a missing awards memo and provide proof of missing awards (See Enclosure
(2))
Missing Awards – Is it Worth My Time?

NCIS is unlikely to raid your home and bust you for having a shadow box that doesn’t match the
awards on your DD 214.
MY OPINION: Spend some time documenting your awards, but it isn’t worth the time and effort
to try to track down your 7th Sea Service Ribbon – this applies to any award that isn’t associated
with benefits.
Based on my research (there are probably more benefits and medals that matter) the following
includes the benefits associated with various awards. The Medal of Honor and Purple Heart
benefits are no listed; if you have either of those then you likely know the benefits.
 Medal of Honor: Arlington Burial; VA Health Care

 Purple Heart: Arlington Burial; VA Health Care
 Distinguished Service Cross (Navy Cross or Air Force Cross): Arlington Burial
 Distinguished Service Medal: Arlington Burial
 Silver Star: Arlington Burial
 Expeditionary Medal (Armed Forces, Navy Expeditionary, GWOT): Qualify for
veterans’ preference, Vet Center Services, RI War Veteran License Plate
 Campaign Specific Medal (Iraq Campaign Medal): Eligibility for Vet Center Services, RI
War Veteran License Plate
Navigating the Numerous DD 214 Copies
MEMBER-1
Also referred to as the short form; your categorization of discharge is not included on this
copy. Delivered to member in conjunction with separation prior to final departure on
permissive temporary additional duty, terminal leave, and associated travel. This will be
mailed if member departs well in advance of normal departure time. Ensure you discuss this
with your personnel department prior to departing.
SERVICE-2
Electronically sent to NAVPERSCOM the day following separation.
24
VETERANS ADMINISTRATION-3
Mailed to U.S. Department of Veteran’s Affairs (you can indicate if you want this mailed to
them when you complete NPPSC 1900/1).
MEMBER-4
Also referred to as the long form; this is the original signed copy. It should be delivered at
the same time as MEMBER-1 copy. Ensure you discuss this with your personnel department
prior to departing.
DEPARTMENT OF LABOR-5
Mailed to U.S. Department of Labor.
STATE DIRECTOR OF VETERANS AFFAIRS-6

Mailed to the State Department of Veteran’s Affairs (you can indicate if you want this mailed
and if so, which state you want it sent to when you complete NPPSC 1900/1). If member
does not request a copy be mailed, it will be destroyed.
SERVICE-7
Additional copy, retained by personnel office
SERVICE-8
Additional copy, retained by personnel office
25
Section 8: Survivor Benefits Plan

Purpose
Provide continuation of income to your spouse and/or children (until 18 or 22 if enrolled in
college)
Basics
 Upon death, your spouse/children will receive 55% of the base amount of coverage you
selected.
 Select the base amount of coverage from $300 up to your full retirement pay.
 The coverage will increase per the COLA rate.
 SBP premium is taken out pre-tax (not taxable).
 SBP income is taxable.
 You will have an opportunity to disenroll between your 2nd and 3rd retirement date
anniversary.
Cost
 Cost for coverage of spouse is the lesser of a) 6.5% of base amount or b) 2.5% of the first
$725 plus 10% of the remainder.
 Cost for spouse continues until you have paid into SBP for 30 years and you have turned
70.
 SBP payments will cease if your spouse passes before you do.
 If you elect coverage for child/children, the premium will be charged based on age of
youngest child.
 Cost for spouse and children will be a combination of the two criteria above. You will
stop paying when the youngest child turns 18 (22 if enrolled in school).
 If you don’t decide, you will automatically have full coverage for your dependent spouse
and children. Regardless of what your command states, the DoD instruction permits you
to make changes up to the day you retire - spouse must concur (notary needed) if you
elect not to take 100% coverage.
Change/Discontinue Coverage
Public Law 105-85t, Section 641 provides a one-year opportunity after the second anniversary of
commencement of retired pay to discontinue participation in SBP. Additionally, you may be able
to withdraw from SBP due to qualifying VA disability.
Additional Resources
 SBP Financial Analysis Tools (DoD Office of the Actuary)
 DFAS Survivors and Beneficiaries Info
26
MY OPINION: I figured I could beat SBP with insurance, annuity, or some other financial
product – I couldn’t make it work. Do your own math, but ensure you consider that the SBP
payment is taken before taxes, COLA adjustments, and the fact that our government underwrites
this program. I decided this is a pretty good deal. Once I came to grips with this, the challenge
was to decide how much of my basic pay to cover.
27
Section 9: Medical Choices Post Separation

Federal Employees Dental and Vision Insurance Program (FEDVIP)
BENEFEDS administers the enrollment, plan change, and premium payment process for
FEDVIP. The following are the current providers for dental and vision plans:
Dental
 7 National (Aetna, Blue Cross, Delta, GEHA Connection, MetLife, United Concordia,
United Healthcare)
 5 Regional (Dominion National, EmblemHealth, HealthPartners, Humana, Triple-S)
Vision
 Aetna, Blue Cross, MetLife, United Healthcare, VSP
You are eligible for enrollment 31 days prior, and 60 days following retirement. If you miss that
window, you can enroll during the annual open season (open season runs from the Monday of
the second full work week in November through the Monday of the second full work week in
December).
https://www.benefeds.com/
https://www.benefeds.com/tools/search-plans
Tricare
Tricare Prime
https://www.tricare.mil/Plans/HealthPlans/Prime
Tricare Select
https://www.tricare.mil/Plans/HealthPlans/TS
US Family Health Plan (Managed by Brighton Marine Health Center in New England)
https://www.tricare.mil/Plans/HealthPlans/Prime
Tricare for Life

 Enrollment not required (automatic if you have Medicare Part A and B)
 You will pay Medicare Part B premiums
 Available worldwide
 https://www.tricare.mil/Plans/HealthPlans/TFL
28
Rates reflect FEB 2022 Tricare Prime Tricare Select/USFHP

$323/individual $158/individual
Enrollment $647/family $317/family
$150/individual
Deductible 0 $300/family
Catastrophic Cap $3,000 $3,706
Outpatient Primary In
Network $22 $32
Outpatient Specialty $33 $50
Urgent Care $33 $32
Emergency Service $67 $133
Lab/X-Ray 0 0
29
Section 10: Additional Information

Household Goods (HHG) Storage
Non-Temporary Storage for a period of 1-year is authorized. An extension may be authorized if a
Service member is undergoing hospitalization or medical treatment.
The Joint Travel Regulations (revised 1 July 2022) Section 0518B provides additional
information.
Household Goods (HHG) Transportation

HHG must be turned over for transportation within 3-years following termination of active duty.
Further extensions may be granted on an annual basis. Storage of HHG is available for up to 1-
year.
The Joint Travel Regulations (revised 1 July 2022) Section 0510 provides additional information
Leave
Permissive Temporary Duty (PTDY)

Authorization for Job/House Hunting. Members stationed in CONUS may receive up to 20
days of leave if retiring (OCONUS may receive up to 30 days). PTDY may be combined
with chargeable leave and/or terminal leave. You will need to return to your command
following completion of PTDY leave.
MILPERSMAN 1320-22 provides additional information.
Separation Leave (aka, Terminal Leave)

Leave which expires on the day of separation from the Navy. Active duty members are not
required to return to their command. All pre-separation counseling and administrative
processing must be completed prior to departure for leave. If you are a military officer
engaged in off-duty employment while on terminal leave you are prohibited by 18 U.S.C.
§205 and 18 U.S.C. §203 (criminal statutes) from representing a non-Federal employer or
any other third party back to the Government. Note: This restriction does not apply to
enlisted service members.
Lump-Sum Payment for Accrued Leave

Generally, not to exceed 60 days of basic pay.
MILPERSMAN 1050-400 and MILPERSMAN 7220-340 provide additional information.
30
Long-Term Care Insurance

Long-term Care Insurance www.ltcfeds.com
Presidential Letter of Appreciation

If you have 30 years of total active military service, you are eligible to request a Letter of
Appreciation signed by the Commander in Chief. Submit the following information to
pers_835_retirements@navy.mil:
 Work email address
 Personal email address
 Official work mailing address
 Home mailing address
 Post-retirement home mailing address
 It may take up to six months to receive this letter.
Retirement Flag
Per 10 USC 8261, upon release from active duty or retirement to the Fleet Reserve, the Secretary
of the Navy shall present a U.S. flag to the member. The flag shall be provided at no cost to the
recipient.
Retirement Orders
The effective retirement date is normally the first day of the month. For voluntary retirements,
orders will be released approximately 6 months prior to the actual retirement date.
Retirement Pay
Military pay is deposited on the first day of the month.
Thrift Savings Plan (TSP)

You can choose to keep what you have, roll it to a civilian plan, or something in between – to
keep TSP going, you need to maintain a $200 minimum.
Travel
A Service member and dependent are authorized travel to a new home (aka Home of Selection
(HOS)) from the last permanent duty station within 3-years of the Service member’s termination
from active duty unless additional time is authorized. An extension may be granted for up to 6-
years if the Service member has a certified and on-going medical condition.
The Joint Travel Regulations (revised 1 July 2022) provide additional information
31
Veteran’s Life Insurance Options
Service-Disabled Veterans Life Insurance (S-DVI)

Veterans released from active duty after April 25, 1951, and didn’t receive a dishonorable
discharge, and were rated for a service-connected disability (0% or greater) and are in good
health except for any service-connected condition are eligible. This program will be
discontinued for further enrollment after 31 December 2022 (replaced by VALife).
Veteran’s Affairs Life Insurance (VALife)

All Veterans who are 80 and under, with a VA disability rating of 0 to 100 percent are
eligible – there is no time limit to apply. Whole life guaranteed acceptance for coverage up to
$40K. Coverage takes effect two years after enrollment as long as premiums are paid during
those first two-years. Premium is dependent on age and amount of coverage desired. This
program is replacing S-DVI effective 1 January 2023.
Veteran’s Group Life Insurance (VGLI)

For people who are hard to insure – this is an expensive option if you are healthy and choose
to take this. SGLI will expire 120 days after separation. (PRO TIP: Shop for life insurance at
age 39; typically, rates rise more significantly as you enter your 40s)
32
Section 11: Recommended Reading

 CORDLE, JOHN Broadside Cartoons presents One Stop Transition Planner: Transition
Guide for All Military Personnel. Independently published, 2020.
 DALTON, STEVE The 2-Hour Job Search: Using Technology to Get the Right Job Faster.
TEN SPEED PRESS, 2020.
 TOTI, WILLIAM J. From Co to CEO: A Practical Guide for Transitioning from Military to
Industry Leadership. FOREFRONT BOOKS, 2022.
33
Enclosure 1: My Personal Timeline

[DEVELOPMENT OF THIS SECTION IN PROGRESS – I WILL ADD TO THIS SECTION
ONGOING AS I GO THROUGH THIS PROCESS]
2021
 September
o Contacted COMNAVSURFLANT to obtain Ruehlin Seminar quota
 June
o Sign-up with ACP
 October
o Attended Ruehlin Seminar in Norfolk, VA
o Commenced actively networking and growing network in LinkedIn
 November
o Overhauled LinkedIn profile
o Developed generic Resume
o Contacted NPC to state my intention to retire and validate the process
2022
 January
o Submitted retirement request via NSIPS
o Enrolled with FourBlock
o Replaced LinkedIn military photo with civilian photo
 February
o Submitted paperwork to formally accept SkillBridge internship
o Added #Opentowork tag on LinkedIn
 March
o Met with retirement lead in Admin to discuss paperwork requirements
o Attended local TAP (previously attended eTAP in 2018) and completed
CAPSTONE event
 April
o Submitted the following paperwork to Admin (requested 2 months prior to start of
my SkillBridge internship)
 DD Form 2586, Verification of Military Experience and Training (VMET)
 Joint Service Transcript (JST)
 DD Form 2656
 Retired Pay Information
 Lump Sum Election
 Survivor Benefit Plan
 DD Form 2558, if you have allotments that need to be stopped
 DD eForm 2648, CAPSTONE completion required
 NPPSC 1900/1, NPPSC Separations Questionnaire
 Awards
34
 Medical and Dental Endorsements

 Awards Memo (Proof of all awards for inclusion on DD 214); see Section
6, Validation of Awards for details
 Copy of approved leave chit from NSIPs
 Copy of Permissive TDY orders (20 days max)
 Completed Command Check-out Sheet
 May
o NSIPS notification that my approval to retire was approved
o Requested and received a copy of my medical file
 June
o Retirement orders received (I did not get an NSIPS verification; my personnel
office received and forwarded a copy to me)
 July
o Commenced SkillBridge internship
o 1 July, called and scheduled Separation History and Physical Exam (Newport RI:
Cindy Booker 401.841.1958)
 August
o 3 Aug, Separation History and Physical Exam
 September
 October
o Completed SkillBridge internship and commenced Terminal Leave
 November
 December
2023
 January
o 1 Jan, Retirement Date
35
Enclosure 2: Sample Awards Documentation

DD MMM YYYY
From: XXX, USN

To: XXX, Military Personnel Office
SUBJ: AWARDS DOCUMENTATION ICO XXX
Encl: (1) NAVPERS 1070/880 – Awards Record

(2) NAVPERS 1070/605 – History of Assignments
(3) NAVPERS 1070/613 – Armed Forces Expeditionary Medal
(4) NAVPERS 1070/613 – Armed Forces Service Medal
(5) NAVPERS 1070/613 – Global War on Terrorism Service
Medal
(6) BOL Unit Awards – Global War on Terrorism
Expeditionary Medal
(7) BOL Unit Awards – Joint Meritorious Unit Award
(8) BOL Unit Awards – Joint Meritorious Unit Award
(9) NAVPERS 1070/613 – National Defense Service Medal
(10) NAVPERS 1070/613 – National Defense Service Medal
(11) NAVPERS 1070/613 – NATO Service Medal
(12) BOL Unit Awards – Battle E Ribbon
(13) NAVPERS 1070/613 – Battle E Ribbon
(16) BOL Unit Awards – Battle E Ribbon
(17) NAVPERS 1070/613 – Meritorious Unit Commendation
(18) BOL Unit Awards – Meritorious Unit Commendation
(22) NAVPERS 1070/613 – Navy Pistol (Expert) Ribbon
(23) NAVPERS 1070/613 – Navy Unit Commendation
(24) NAVPERS 1070/613 – Navy Unit Commendation
(25) NAVPERS 1070/613 – Overseas Service Ribbons
(26) NAVPERS 1070/613 – Southwest Asia Service Medal
(27) NAVPERS 1070/613 – Sea Service Deployment Ribbon
(28) NAVPERS 1070/613 – Sea Service Deployment Ribbons
(32) SURFLANT Ship History of NORMANDY
36
1. Enclosure (1) was generated from BUPERS Online; however, several awards are missing from
my record. Enclosure (2) provides a listing of the commands and time periods I was assigned to
those commands for use to cross reference with unit award listings.
2. Enclosures (1) through (32) support the inclusion of the following awards on my retirement
DD Form 214:
AWARD NUMBER OF DOCUMENTATION

AWARDS/DEVICES
Armed Forces Expeditionary Medal 1 Encl (3)
Armed Forces Service Medal 1 Encl (4)
Defense Meritorious Service Medal 1 Encl (1)
Defense Superior Service Medal 1 Encl (1)
Global War on Terrorism Service Medal 1 Encl (5)
Global War on Terrorism Expeditionary 1 Encl (6)
Medal
Joint Meritorious Unit Award 2 Encl (7)&(8)
Meritorious Service Medal 5 Encl (1))
National Defense Service Medal 2 Encl (9)&(10)
NATO Service Medal 1/Kosovo Encl (11)
Navy Battle ‘E’ Ribbon 5 Encl (12)-(16)
Navy Meritorious Unit Commendation 5 Encl (17)-
Navy Pistol Ribbon 1/Expert ‘E’ Encl (22)
Navy Unit Commendation 2 Encl (23)&(24)
Navy and Marine Corps Achievement Medal 3 Encl (1)
Navy and Marine Corps Commendation 2 Encl (1)
Medal
Overseas Service Ribbon 2 Encl (25)
Southwest Asia Service Medal 1/Bronze Star Encl (26)
Sea Service Deployment Ribbon 7 Encl (27)-(32)
3. This listing does not include my end of tour award (Legion of Merit award in routing).
37
Select References
 Active-Duty Officer Retirement Timeline
https://www.mynavyhr.navy.mil/Career-Management/Retirement/Active-Duty-Officer-
Retirement-Timeline/
 DoD Instruction 1332.42 (30DEC20), Survivor Benefit Plan

https://www.esd.whs.mil/Portals/54/Documents/DD/issuances/dodi/133242p.pdf?
ver=dizCBLDXikzBlq_m_5Q3_g%3D%3D
 DoD Instruction 1336.01 (17FEB22), Certificate of Uniformed Service (DD Form 214)
https://www.esd.whs.mil/Portals/54/Documents/DD/issuances/dodi/133601p.pdf
 DoD Instruction 6040.46 (14APR16), The Separation History and Physical Examination
(SHPE) for the DoD Separation Health Assessment (SHP) Program
https://www.esd.whs.mil/Portals/54/Documents/DD/issuances/dodi/133242p.pdf?
ver=dizCBLDXikzBlq_m_5Q3_g%3D%3D
 Managing My Transition
https://www.dodtap.mil/rest/docs%3Ffilename%3DStatement_of_Benefits.pdf
 Statement of Benefits Guide for Military Members (18JUN19)

https://www.dodtap.mil/rest/docs%3Ffilename%3DStatement_of_Benefits.pdf
 VA Health Care Benefits Overview (2022 Edition, Vol 1)
https://www.va.gov/healthbenefits/resources/publications/IB_10-
185_Health_Care_Overview_2022.pdf
 VA Benefits and Services Participant Guide

https://benefits.va.gov/TRANSITION/docs/VA-Benefits-Participant-Guide.pdf
38

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REVISED 01 JULY 2022

I have focused on collecting information pertinent to an Active-Duty Senior Naval Officer

If you find errors or have feedback, please contact me at Patrick.kulakowski@gmail.com

Section 2: Organizations and Resources to Support Your Retirement Preparations................10

How to Find an Opportunity..........................................................................................................13

Section 4: Separation History and Physical Examination (SHPE).............................................14

Section 6: Veterans Affairs & Small Business Administration.................................................20

Section 7: Certificate of Release or Discharge from Active Duty (DD 214)...............................22

Why Do I Need a DD 214?..............................................................................................................22

Section 8: Survivor Benefits Plan............................................................................................25

Section 11: Recommended Reading.......................................................................................32

>12 Months Prior

6-12 Months Prior

4-6 Months Prior

EVENTS KEYED TO OTHER MILESTONES

30 Days Prior to PTDY/Terminal Leave

Section 2: Organizations and Resources to

Hiring Our Heroes

Military Officer’s Association of America (MOAA) ($)

Navy Credentialing Opportunities On-Line (NAVY COOL)

Ruehlin Associates ($)

Syracuse University D’Aniellow Institute for Veterans & Military Families

Section 3: DoD SkillBridge

How to Find an Opportunity

Section 4: Separation History and Physical

 A mental health assessment completed within 180 days of separation

Section 5: Veteran’s Affairs Disability Claim

Fully Developed Claims (FDC)

Major Steps to File Your Fully Developed Claim

 Accept or appeal the decision

Do it Yourself (Online or by Mail)

Work with a Veteran Service Organization (VSO)

Note: For those retiring in Rhode Island:

Work With a Private Organization

Schedule for Rating Disabilities (38 USC 1155)

Appealing VA Claim Decision

Disability Ratings – Significance of Your Rating

>30 - Tax free VA payments (Rate Depends on Dependent Status)

>40 - USAJOBS Hiring Preference

- Above + VA Health Care Priority Group 1, Concurrent Retired and

Disability Rating Math

 (Efficiency Rating) – (Disability Rating) = New Efficiency Rating

38 CFR 4.25 Table I

Section 6: Veterans Affairs & Small Business

Solid Start Program

Veteran Entrepreneurship Training Program

 Boots to Business Reboot

 Boots to Business Revenue Readiness

 Women Veteran Entrepreneurship Training Program (WVETP)

 IVMF – Veteran Women Igniting the Spirit of Entrepreneurship (V-WISE)

 Lift Fund – San Antonio

 Service-Disabled Veteran Entrepreneurship Training Program (SDVETP)

 IVMF – Entrepreneurship Bootcamp for Veterans with Disabilities (EBV)

 Veterans Entrepreneurship Program (VEP)

 Entrepreneurship Bootcamp for Veterans – St. Joseph’s University

 Dog Tag Inc.

 Veteran Federal Procurement Entrepreneurship Training Program (VFPETP)

Section 7: Certificate of Release or Discharge

Why Do I Need a DD 214?

How Do I Avoid Errors in the DD 214?

Corrections to the DD 214

Step 3: Unit Awards

Step 4: Personal Awards

Step 5: Document Missing Awards