Vast majority of those who fought Iraq, Afghan wars won’t get pensions

February 4, 2015
U.S. soldier with 4th Platoon, Bravo Company on patrol in Siniyah

U.S. soldier with the 4th Platoon, Bravo Company I-327th Infantry 1st Battalion 101st Airborne Division Air Assault takes position during a patrol in Siniyah, north of Tikrit, November 23, 2007. REUTERS/Stefano Rellandin

The current military retirement system, like a lot of the military personnel system, is a relic of the draft era that has gone largely unchanged for more than 100 years.

It’s unfair to our veterans, doesn’t give the Pentagon the flexibility it needs to manage the volunteer armed forces and is increasingly unaffordable. Congress’ Military Compensation and Retirement Modernization Commission last week laid out a detailed plan to modernize the system and address these problems.

The panel recommended that virtually all U.S. veterans receive some retirement benefits. Currently, more than four out of five receive none at all. To ensure retirement benefits, the panel proposes giving all servicemembers a 401k-style plan with both automatic and matching government contributions, vesting after two years of service. Now it’s time for U.S. politicians to listen.

The current military pension system is fundamentally a two-track retirement benefit. Those who serve more than 20 years on active duty receive generous benefits: at least 50 percent of their pay for life, starting immediately after they leave the military, plus inexpensive health insurance for themselves and their families.

U.S soldiers patrol Baquba

U..S soldiers patrol Baquba, in Diyala province northeast of Baghdad, November 3, 2008. REUTERS/Goran Tomasevic

The catch is that 83 percent of servicemembers who serve less than 20 years — even those in uniform for 19 years — get zilch. No contributions to a 401k-type plan. Nothing.

This all-or-nothing approach excludes the majority of U.S. servicemembers — particularly ground combat troops. Fewer than 10 percent of the soldiers and Marines who have borne the brunt of combat in Iraq and Afghanistan are likely to serve a full 20 years.

The current system also overwhelmingly favors officers over enlisted soldiers. Slightly more than one in 10 enlisted service members will serve long enough to retire, compared to more than half of all officers. These officers, who are well paid, receive far more generous retirement benefits than enlisted service members.

Yet officers, who are generally more highly educated, also have a better chance of working in a well-paying field after leaving the armed forces. Enlisted service members are at greater risk of poverty after they leave the armed forces.

The current plan also favors active-duty servicemembers over reservists. Active- duty members can draw a pension immediately on retirement. Reservists, whose units have played a major combat role in Iraq and Afghanistan, must wait until age 60.

U.S. soldiers walk in a cloud of dust as a Blackhawk helicopter takes off during a mission in southern Baghdad

U.S. soldiers with Cobra Company 1-3 Infantry walk as a Blackhawk helicopter takes off during a mission in the Sunni neighbourhood of Arab Jabour in southern Baghdad, October 18, 2007. REUTERS/Fabrizio Bensch

This rigid 20-years-or-nothing approach isn’t just bad for the majority of servicemembers — who may never see a dime of retirement benefits. Denying the Pentagon tools to make sure it has the right number of troops with the right experience in the right roles hurts the U.S. armed forces and U.S. national security.

The 20-year cliff means that service members regularly stay in just long enough to earn the benefits, then retire as soon as they are eligible — even if they could have had longer productive careers. Consider: About 40 percent of military personnel who qualify leave right after the 20-year mark. But between service members’ 15th and 20th year of service, only 7 percent retire.

In addition, service members in ground combat roles frequently leave after their first tour of duty, including about 75 percent of Marines. The rigid formula also means that the Pentagon can’t offer greater retirement benefits for those serving in combat zones or in critical specialties.

This unfair, inflexible system is also increasingly unaffordable. Though only 17 percent of service members will ever see retirement benefits, the costs of the military retirement system will nearly double over the next 20 years, to more than $200 billion each year.

The commission’s report makes smart recommendations. People who make the military a career would still receive a defined-benefit pension, payable after 20 years of service. It would be available as either a traditional pension or in a lump sum on retirement. This pension benefit would be slightly less generous than the current pension, but government and individual contributions to the Thrift Savings Plan, a federal 401k-type program, and 20 years of investment returns mean retirees could actually end up ahead.

U.S. army medic Molles takes care of an injured U.S. soldier after they landed in a Medivac Blackhawk helicopter in Baghdad

U.S. army medic Jeff Molles (R), with the Charlie Company 2-227, Aviation Battalion called “Witchdoctors,” takes care of an injured U.S. soldier after landing in a Medivac Blackhawk helicopter at the 28th Combat Support hospital in Baghdad, October 7, 2007. REUTERS/Fabrizio Bensch

For those who want to serve their country in uniform without committing to a 20-year career, the government contributions to the 401k-style plan would vest after just two years of service. Current service members would be grandfathered into the old plan, but could choose to opt into the 401k-style plan.

These changes would ensure that the Pentagon contributes to the retirement of nearly all service members — not just the 17 percent who serve a full 20 years in uniform.

The real question is whether Congress will listen. These recommendations are just the latest in a long line of smart reforms to the military retirement, healthcare and personnel systems that have been proposed by the Pentagon and independent commissions — then resolutely ignored by politicians.

With the nation facing growing budget pressures, maybe this time will be different. It’s past time to change a system that leaves most of our combat veterans out in the cold.

372 comments

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Wow, 19 years in and ZERO retirement bennies? Dang, I knew our “gubmint” is greedy and protects itself not Americans, but I didn’t think it was that greedy.

So even guys like my 91 yr old dad who went to N. Africa in WWII would get some? I like that plan. He doesn’t need it because he worked hard and planned well and was blessed, but he deserves it anyway.

Posted by puchurro | Report as abusive

What is needed along with story, is the dollars at retirement along with the rank that civilians can understand, AKA Sgt, Lt Col, Col, Sgt Major etc. For now public has zero idea of how much these folks make at 20-30 year and none what the very top General Ranks get. Way to often media gets it wrong, and addresses 13 year or so vet as “retired”, when they are not.

Then there is the ole “disability at retirement day” AKA old USAF joke was flew fighters until 20th year then next day had “medical retirement disability” which goes on a lot more then ever discussed. Seems top ends suddenly fall apart about month before retirement.

Posted by fwrfwr | Report as abusive

Halliburton executives got their pension :)

Posted by AlkalineState | Report as abusive

It’s difficult to be sympathetic when people get screwed if the expectation of being screwed seems obvious. I suppose some people thought the Vietnam vets were really crazy or something and that it was not just a false characterization made by the media minions, but many of us knew different. The chicken hawks do not care about you. Get that through your heads. I think every soldier who serves in battle defending the US should receive as much assistance as they need. Again, the people who propagate war using the children of the poor as their cannon fodder do not. How can someone in this day and age not know that?

Posted by brotherkenny4 | Report as abusive

Yet congress and house get retirement after 4 years of often no productivity.

Posted by justagrunt | Report as abusive

Even if you have performed your twenty years of service being in the Army Reserve, you have to apply for the benefits and the Army Reserve doesn’t make it easy for the service member to know where or how to apply for benefits. They act as though they don’t want one to apply!

Posted by tbmuch | Report as abusive

Halliburton executives earned their money fair and square. Jealous losers don’t apply.

Posted by puchurro | Report as abusive

Halliburton executives earned there money fair and square by buying off chickenhawk politicians. As the system of the masters allows.

Posted by brotherkenny4 | Report as abusive

It’s hard to be sympathetic to people who continue to fall for the chickenhawk game. War, at least our wars, are for economic growth of politically active corporations that pay the politicians. This has been know for decades, if not hundreds of years.

Posted by brotherkenny4 | Report as abusive

Most Halliburton execs are veterans. So they’ll receive from any new policy too. Chew on that.

Posted by puchurro | Report as abusive

Puchurro hopes: “Most Halliburton execs are veterans.”

Except they’re not. Unless you think Dick Cheney did NOT receive 5 deferments to get out of vietnam. Many of his buddies, same way.

This war was a 2 trillion dollar boondoggle that got 4,000 young Americans killed for nothing. Nothing except giving ISIS some new territory. De-stabilizing Iraq was another brilliant republican idea.

Posted by AlkalineState | Report as abusive

Puchurro, please tell us how any “executive” actually “earns” their money. I seriously doubt any physical labor or innovating is done at that level.

Posted by shootmyownfood | Report as abusive

This is just a tangled web.

Instigated wars and resultant casualty support by-design, drain public tax-dollars to feed two well-oiled machines – defense and medical industry that split-up about $800B each.

Rest is just drama for the uninformed.

Posted by Mott | Report as abusive

Most of my fellow Americans are suffering from severe cognitive dissonance and/or delusional beliefs on a number of political issues. This is perhaps most obvious in the case of Americans’ blind worship of the military. Consider this:

1. Congress has an approval rating consistently in the toilet (and deservedly so). Our so-called “representatives” are for sale to the highest bidders. Likewise, Obama has low public approval ratings because he’s a proven fraud whose “change” has consisted primarily in the expansion of senseless wars abroad and the explosive growth of the police/surveillance state at home.

2. Anyone who joins the US armed forces is volunteering to become the armed servant of these lying, corrupt public officials and a greedy “defense” industry that makes huge profits from wars.

3. So we have a public that hates most of its government officials, yet licks the boots of those who sign up to obey the orders of those officials.

How does that make any sense?

“But the US military fights for our freedom,” you say. WRONG. Laws and law enforcement are what limit freedom, and no foreign power has anything approaching the ability to impose laws on people living in the US. Any attempt to invade the US and take over, if it could get past our nuclear deterrent, would have to contend with a population of MILLIONS of well-armed citizens. It would make the US military’s experience in places like Vietnam, Iraq, and Afghanistan seem like a cakewalk in comparison.

Thus, the only entity that can threaten our freedom here in the US is government within the US — the same government that has the complete obedience of the US military. “Our” troops have turned their weapons on Americans many times in our history (the Bonus Marchers, Kent State, Waco, Hurricane Katrina), and most will do so again if ordered.

We shouldn’t be thanking “our” troops. They’ve done nothing for us. Instead, they should be thanking us for paying them with our tax dollars. Only a well-armed population that values freedom and justice more than life itself can be protected against tyranny.

Posted by Heretic50 | Report as abusive

Once again someone is proposing a change without asking the people that the changes will affect.

So here is one opinion from a 25 year veteran that has worked his way up the ranks from enlisted to officer.

1. We knew what we signed up for and the only time we see the system as unfair is when someone is forced out at 18 years.

2. Not everyone deserves a trophy. I got off of active duty because I wanted to go to school and pursue a family and career. Those that stuck around on active duty deserve their pension because they chose that path.

3. Stop promising things and then trying to take them away after sending us to do your bidding. Live up to your word, we did.

4. If you think it is so easy that a 20 year pension is not deserved then you go try it.

5. If you want to do a 401k plan that is great. The military already has TSP. Contributing to it would be fair and would bring the services in line with most civilian jobs that offer a match. Also go one step further and do it regardless if the member contributes their own funds. But as a reservist why would I give up my weekends and risk having to leave my family and civilian career for a 401K? I already have a 401K through my civilian job.

6. Try asking those that this will directly affect. Conduct a survey of those in uniform.

7. If you do this then you also need to reform the pay and retirement system for all federal employees including our elected officials. Fair is fair. If we need to save money why stop at the military.

8. Buy less useless crap with the budget. We won WW2 without the best tank or fighter in our inventory. If you waste money on cost overruns on expensive fighter jets then it kind of looks bad when you turn around and take our pensions.

I welcome your comments.

Posted by Bdy2010 | Report as abusive

Try asking the veterans and those that serve.

This just sounds like more rhetoric from beltway bandits that sacrifice very little.

Posted by Bdy2010 | Report as abusive

Mission accomplished.

Posted by AlkalineState | Report as abusive

Not surprising. The US defense budget has been more geared towards funding “toys” as opposed to “people” for years. Spending $1.1 trillion over the life of the disastrous JSF program aside, the latest defense budget proposal now includes funding for a new stealth bomber program to the tune of $55 billion, assuming no cost overruns. Personally, I’m giving “on-time and on-budget” delivery of these next generation bombers a 1 in 1.1 trillion success rate.

Posted by blah77 | Report as abusive

“We’ve studied the scenarios extensively, and our timeframe in Iraq would be weeks, not months.”

-Dick Cheney, testifying to Congress in 2003 on the need for war in Iraq.

Posted by AlkalineState | Report as abusive

I was injured in training at Ft. Lewis, 41 years ago, and was separated from the Army. Still trying to get medical records/x-rays.

Don’t tell me anybody in the Government, the service or the country really gives a ____ about the average soldier. Just another resource for the fat cats to make money off of.

Posted by Robertbill | Report as abusive

I wish the author of this article would have stuck to the facts. He sounded like he was pushing someones agenda… kinda like a propaganda piece. Yes, the current military retirement system can be made better. Having said that, we better get it right. The cost of a botched job could have serious national security implications.

Posted by 24129225998 | Report as abusive

Of course, this doesn’t apply to the officer corps in the same way. Blame Congress, not the government in general. As people to sacrifice for a needless war (Iraq and Afghanistan) and then say “good bye, have a great day.” From VietNam on, refused until they couldn’t, the military denied gas warfare (2-4-D in Vietnam and other chemicals of nuclear in Iraq 1. Pathetic.

Posted by Kahnie | Report as abusive

This war was catered by Halliburton sub-contractors. $120 per head, per day is what they billed for meals. Not that the soldiers ever ate that much food. The bills were ‘overhead.’

The cost of feeding a soldier in WWII (in today’s money) was $6 per day. They ate beans and bread. Keep in mind…unlike Iraq or Afghanistan…. we WON WWII. Keep in mind also, Halliburton took all that money and hid it in Dubai.

So Cheney’s plan to divert war money to the private sector by making wars into catered events…. was a very expensive flop. Anyone who thinks these conservative politicians have soldiers’ best interests in mind…. get what they deserve.

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