Retirement · calculator
CRDP: Concurrent Retirement and Disability Pay
When a military retiree can receive retired pay and VA disability compensation at the same time, how much the waiver takes below 50%, and the special rules of Chapter 61.
Gross retired pay per month (High-3)
$3,088.65
50.0% of $6,177.30; $37,064 a year before taxes and SBP.
| Retired pay base (high-36) | $6,177.30 (E-7 2026 rate) |
| Multiplier | 50.0% |
| VA compensation, no dependents | $1,132.90 |
| VA waiver | restored by CRDP |
| Total each month | $4,221.55 |
10 U.S.C. 1409 multipliers. COLA each December: 2.8% at December 1, 2025. How this is calculated.
Concurrent Retirement and Disability Pay lets a military retiree receive both retired pay and VA disability compensation in full, instead of having retired pay reduced dollar for dollar by the VA amount. Two conditions apply under 10 U.S.C. 1414: at least 20 years of creditable service, and a combined VA rating of 50% or more, or a grant of individual unemployability. The ten-year phase-in ended on December 31, 2013, so CRDP now restores retired pay in full from the first month of eligibility. A retiree with $2,800 of retired pay who reaches 50% therefore goes from $2,800 a month in total at 40% to $3,932.90. CRDP is automatic: DFAS applies it once VA reports the rating. It counts as retired pay, so it is taxable and divisible with a former spouse. Retirees under Chapter 61 have limits, and those with fewer than 20 years do not qualify; CRSC is their route for combat-related conditions.
Checked by Radif Partners · Editorial policy · How we calculate
The effect of the rating on a retiree's total
| VA rating | VA compensation | Retired pay waiver | Total per month |
|---|---|---|---|
| 30% | $552.47 | −$552.47 | $2,800 |
| 40% | $795.84 | −$795.84 | $2,800 |
| 50% | $1,132.90 | restored in full | $3,932.90 |
| 70% | $1,808.45 | restored in full | $4,608.45 |
| 100% | $3,938.58 | restored in full | $6,738.58 |
Below 50%, the total does not change with the rating: VA pays more and retired pay falls by the same amount. From 50%, the waiver disappears and the whole VA amount is added. That is why a retiree's interest in the next rating step is concentrated around 50%, and why the combined value matters so much at 40% (see the 40% page).
Chapter 61 retirees
Members retired for disability under Chapter 61 receive disability retired pay, computed either with their years of service or with their disability percentage. With 20 or more years, CRDP applies but only up to the amount of retired pay they would have received if retired for longevity; any excess disability retired pay remains subject to the waiver. With fewer than 20 years, there is no CRDP at all and VA compensation replaces disability retired pay dollar for dollar. Those retirees can apply for CRSC for combat-related disabilities.
Reservists and Guard members
A reservist with 20 qualifying years who reaches retirement age, usually 60, receives CRDP from the start of retired pay if rated 50% or more. A reservist retired for disability before that age can receive concurrent retired pay only from the age at which non-regular retired pay would have started. DFAS needs the retirement orders from the branch to start it.
Using the calculator
Choose your retirement system and grade, or enter your gross retired pay as a high-36 average, then select your VA rating. The result shows gross retired pay, the VA amount without dependents, the waiver when it applies, and the total. For a retiree with dependents, the VA disability calculator has a retiree section that includes them.
A short history of concurrent receipt
For most of the twentieth century, a retiree could not receive both payments: VA compensation was paid only by waiving the same amount of retired pay, a rule still written in 38 U.S.C. 5304 and 5305. Congress created CRSC in 2003 for combat-related disabilities and CRDP from January 1, 2004 for retirees rated 50% or more, with the restoration phased in over ten years. Retirees rated 100%, and later those with individual unemployability, received full concurrent receipt earlier. Since January 2014, every eligible retiree at 50% or more receives the full amount. Proposals to extend concurrent receipt to retirees below 50% or to Chapter 61 retirees with fewer than 20 years have been introduced in Congress several times; the calculator applies the law in force as described by DFAS.