The new Blended Retirement System goes into effect on January 1, 2018.JKO Training Link

--Approximately 85% of Service Members who enter the force will receive some form of a portable retirement benefit;

--Future Service Member will receive 80% of the current defined benefit (pension) if they serve for 20 years as well as the opportunity to achieve nearly equivalent or better retirement benefits when they reach retirement age; and enables us to recruit and train our superb All-Volunteer Force in the 21st Century.

DoD policy, "Implementing the Blended Retirement System," dated January 27, 2017, is clear that the decision to elect to enroll in the Blended Retirement System (BRS) is irrevocable. This was emphasized in the mandatory BRS Opt-In Training and reiterated during the actual opt-in process on myPay. When opting in via myPay, the Service member must acknowledge no less than three times that he or she is aware the decision to opt-in is irrevocable and fully understands that he or she is opting into the Blended Retirement System.  Accordingly, there is no way to opt out of BRS once the transaction is completed via myPay.  

A Service member always has the option of applying to the Board for Correction of Military Records for relief for any matter related to pay and benefits, but must prove a specific error or injustice. There is no guarantee the Board will take action to reverse this member's election to enroll in the BRS.

Blended Retirement SystemThe Department of Defense officially launched the Blended Retirement System (BRS) comparison calculator, providing BRS opt-in eligible service members their first opportunity for an individualized comparison of retirement systems. The comprehensive tool, in combination with the mandatory BRS Opt-In Course, will assist the nearly 1.7 million opt-in eligible service members and their families in making an informed decision on whether or not to elect the new retirement system. The BRS goes into effect on Jan. 1, 2018.


Blended Retirement System Highlights
» The Fiscal Year 2016 National Defense Authorization Act created a new military retirement system that blends the traditional legacy retirement pension with a defined contribution to a Soldiers' Thrift Savings Plan account. The new Blended Retirement System goes into effect on January 1, 2018.

» All Soldiers serving as of December 31, 2017, are grandfathered under the legacy retirement system. No one currently-serving will be automatically switched to the Blended Retirement System.

» Although Soldiers are grandfathered under the legacy retirement system, those with fewer than 4,320 retirement points as of December 31, 2017, will have the option of remaining in the legacy retirement system or opting into the Blended Retirement System using myPay. The opt-in period for the Blended Retirement System begins January 1, 2018 and concludes on December 31, 2018.

» All  Soldiers who join the Army on or after January 1, 2018, are covered under the new Blended Retirement System.

Need more Information? Check out militarypay.defense.gov

"The implementation of the Blended Retirement System is a monumental change for the Department, requiring significant involvement from all members of the uniformed services. Pay close attention, remain committed, stay fully-informed, educated and prepared for the transition." - Robert O. Work, Deputy Secretary of Defense

»  Take advantage of free, personal support from your installation's accredited Personal Financial Manager or Counselor at these links or reach a financial counselor by calling 800-342-9647:



»  Learn more about your retirement choices by completing the mandatory online BRS Opt-In Course at:


»  Calculate, compare and contrast your retirement benefits under both systems:

FAQs about BRS calculators (pdf file)

Department of Defense BRS calculator

MyArmyBenefits BRS calculator