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Frequently Asked Questions

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R&A Pay establishes, maintains and pays military retirees, and their eligible surviving spouses and other family members.

Who We Are, What We Do
Who to Contact? DFAS, the VA or the Military
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Retiree Newsletter

Survivor SBP Newsletter

Find out the latest news and other helpful information.

Retiree and Annuitant Pay Dates - See the full pay schedule here

Retiree payments will be made as scheduled on September 30, 2022. Annuitant payments will be made as scheduled on October 3, 2022. 

Retirees and SBP Annuitants: New, Helpful Guides for DFAS Online Tools
We have new, helpful guides to assist in navigating the use of the online tools available for retirees and SBP annuitants.

Click here to download the PDF guide for retirees

Click here to download the PDF guide for SBP annuitants

New: Helpful Tips & Tools for Retirees New to Retired Pay - Download and Share!

We have new helpful tips for you if you are new to Retired Pay: Quick links to the pay calendar, information about taxes and SBP, the VA Waiver, CRDP, CRSC, and more! 
Right click HERE and choose save as to download your PDF today!

Retired & Annuitant Pay Customer Service Local Phone Number Changed

The local phone number to reach Retired & Annuitant Pay Customer Service changed. The new number is: 317-212-0551. 

The 216-522-5955 local phone number is no longer available to use (after July 1, 2022). 

The DSN number to reach Retired & Annuitant Pay Customer Service also changed. The new DSN number is 699-0551. 

This change does NOT affect the toll-free number (1-800-321-1080). The toll-free number remains the same. 

Check Out Our New Survivor SBP Newsletter - April Issue Online! 

DFAS has a new Survivor SBP Newsletter! Check out the April issue, with a special article for surviving spouses who lost a loved one in the line of duty and chose the SBP Optional Annuity for Dependent Children, helpful information about the second and third phases of the SBP-DIC Offset Phased Elimination, reminders about School Cert season, news about our initiative to provide online upload tools and status notifications, and more! We also have a downloadable PDF of the newsletter you can share with other survivors. Get it here:  

Retirees and Annuitants: 2021 Tax Year Statements

Please see the convenient options for getting a 1099-R reissue in the December issue of our Retiree Newsletter.

We have good news for retirees and annuitants who need a duplicate IRS 1099-R mailed to a non-U.S.A. address! Our convenient askDFAS online tool for requesting a duplicate 1099-R will now work for foreign addresses. The tool is available at (the link is case-sensitive):

Military Retired Pay Taxation Tips

Military retired pay is paid for many different reasons under many different laws. There are differences in the types of pay a military retiree might receive and the tax laws that apply to them. Whether a portion or all of an individual’s military retired pay is subject to federal income taxes depends on his/her individual circumstances.  

A military retiree can either use myPay or send an IRS Form W-4 to alter the amount DFAS withholds for federal income taxes from their military retired pay.

An individual’s choice to have no withholding for federal taxes does not impact whether the individual’s military retired pay is actually subject to federal income taxes. Ultimately, the IRS will determine the amount of taxes owed on the military retired pay.  

Please note: the IRS requires any individual claiming exemption from federal withholding to provide a new Form W-4 at the beginning of each tax year certifying their exemption from withholding.

Please see our webpage regarding taxation of retired pay :

DFAS cannot provide tax advice. Please consult a tax professional or the IRS. 

SBP-DIC Offset Phased Elimination - Phase Two Began January 2022 - First Payment for Phase Two was February 1, 2022  - Check Out Our New Quick Reference Guide!

January marked the start of the second phase of the SBP-DIC Offset Phased Elimination, in accordance with the National Defense Authorization Act for Fiscal Year 2020, which modified the law that requires an offset of Survivor Benefit Plan (SBP) payments for surviving spouses who are also entitled to Dependency and Indemnity Compensation (DIC) from the Department of Veterans Affairs (VA).

In Phase Two of the SBP-DIC Offset Phased Elimination, which began January 1, 2022, the amount that is offset (deducted) from the spouse’s SBP annuity payment will be one-third of the amount of the DIC payment.  See our full range of FAQs on the SBP-DIC News webpage

*Note: the change in the law does NOT affect the amount of DIC you receive from the VA. You should continue to receive your normal DIC amount from the VA.*

Special Information for Active Duty/Line of Duty Surviving Spouses Who Elected the Optional Annuity for Dependent Children - Check Out Our New Quick Reference Guide!

The National Defense Authorization Act for Fiscal Year 2020 directed that as of January 1, 2023, the Optional Annuity for Dependent Children will be eliminated and the SBP annuity payment must revert to the surviving spouse (if the spouse submits documentation and is eligible). In November of 2021, we mailed eligibility packets with the documents we need from you determine your eligibility for SBP annuity payments and set up your account to begin your payments (if you are eligible) when the changes take effect on January 1, 2023. If we receive your completed documents early, we can provide you with the assessment of your future SBP eligibility well in advance of 2023. You can also download the eligibility packet from our special focus webpage:

Please check our special focus webpage for news and information regarding this change and transition. We will post updates on this webpage:

Elimination of Multiple RAS Mailings  

Starting in April, we are eliminating the generation of multiple mailed statements each month. Instead, only one, monthly RAS will be mailed when there are changes to a retiree’s net pay. For those retirees who still have their statement preferences set to hardcopy postal mail, you will receive one mailed RAS near the end of the month if there are changes to your net pay during the month, instead of a statement each time a change is made during the month. 

If you use myPay, there will continue to be an interim “Daily RAS” available in your myPay account when there is a change to your net pay, as well as your regular monthly RAS. 

Did you know your Retiree Account Statement is available in myPay each month a few days prior to payday? If you’re not using myPay, now is a great time to get started. Click here to download our helpful “Get Started with myPay” guide. [link]

2022 Cost of Living Adjustment (COLA)

Based on the increase in the Consumer Price Index, there was e a 5.9 percent Cost of Living Adjustment (COLA) for most retired pay and Survivor Benefit Plan annuities, and the Special Survivor Indemnity Allowance (SSIA), effective Dec. 1, 2021.

With the COLA applied, the maximum amount of SSIA payable will be $346.

Retirees saw the change in their Dec. 30, 2021 payment and annuitants in their Jan. 4, 2022 payment.

For details, see the Fiscal Year 2022 COLA Memorandum:

Retirees and Guardians/Legal Representatives of Retirees

We are working to simplify the process of verifying continuing eligibility for retirees. The newest change reduces the number of retirees who need to submit a Report of Existence (ROE). Now, the only retirees who need to submit an ROE are those who receive a paper check to a foreign address. Previously, the legal representatives for all incapacitated retirees were required to submit an ROE twice each year. 
Great News for Reserve and Guard Gray Area Retirees 

If you’re retired from the Guard or Reserve but not yet at the age to receive retired pay, we have important news for you. Gray Area Retirees now have a new way to stay connected and informed between the time they stop drilling and when they receive retired pay. It’s a new kind of myPay account that helps you keep your contact information current so that you can stay on top of your future retired pay. Click here for the Retiree Newsletter article or click here to find out how to log on.

SBP Student Child Annuitants: Need to submit your school cert? We have helpful tools for you!

We have helpful tools and info for you: a Form Wizard to help you fill out the DD 2788 form easily and correctly, a special How-To Checklist, and an online upload tool on

Check them out on the School Certifications webpage.
Annuitants and Guardians/Legal Representatives of Annuitants 

We are working to simplify the process of verifying continuing eligibility for Survivor Benefit Plan annuitants. The newest change reduces the number of annuitants who need to submit a Report of Existence (ROE). Now, the only annuitants who need to submit an ROE are those who receive a paper check to a foreign address. Previously, the legal representatives for all incapacitated annuitants were required to submit an ROE twice each year. 

There is a new overview and a downloadable PDF fact sheet of the eligibility verification requirements for annuitants on our “Manage Your SBP Annuity” webpage. We hope this information will help our customers better understand their role in keeping their annuity accounts current.

New Status Notifications Rolling Out

Retired & Annuitant Pay is rolling out new, helpful Status Notifications to keep you in the loop as forms or documents you submit move through the retired pay or annuitant pay processing cycles. The Status Notifications will be sent primarily via SmartDoc email, so make sure you have an up-to-date email in your myPay profile so you can receive them.

Read more about the Status Notifications project in this newsletter article.

TRICARE Enrollment Fee Allotments 

Please contact your TRICARE regional contract. DFAS cannot set up these allotments. They must be set up by TRICARE through the regional contractors. Please note: only Retirees can set up allotments from their pay. Allotments cannot be paid from SBP or SSIA annuity pay

The information to set up allotments through the regional contractors is as follows:

Humana Military
Allotments can be set up online or via phone. For more information on setting up allotments, visit or call 1-800-444-5445. 

Health Net
Allotments can be setup online, via telephone self-service, or by paper application. For more instructions on setting up allotments, visit or call 1-844-866-9378. 

TRICARE Overseas
International SOS
For Country Specific Toll-Free Numbers, visit:
Please contact your country-specific number via phone for more information about setting up your allotment.

Spouses and Children of Recently-Deceased Retirees

We have new tools and information to assist you with the SF 1174 for claiming the retiree’s Arrears of Pay. We can now deposit an Arrears of Pay (AOP) payment directly to an eligible claimant’s bank account instead of mailing a check. And we have an online upload option that will provide you with status notifications. Please see the How to Claim Arrears of Pay Using the 1174 page for details.

Spouses, Eligible Former Spouses, and Children of Deceased Retirees

We have new tools and information to assist you with the DD Form 2656-7 for starting a Survivor Benefit Plan Annuity. We have a Form Wizard to help fill out the form correctly and easily. And we have an online upload option that will provide you with status notifications. Please see the Start an SBP Annuity page for details.

Processing Time Frames - How Long Does It Take?

Please see our new webpage for current typical processing time frames: How Long Does It Take?

R&A Pay is Expanding Communication through Emailed SmartDocs

As part of our commitment to continually improving our customer service, R&A Pay is expanding the use of emailed SmartDocs as a way to communicate about changes to your account and actions that may be needed. Email notifications will speed up the time it takes to notify you about your account. If you don’t yet have an email address in myPay, please add one now so you can receive these email notifications. 

Direct Deposit Required

A treasury mandate requires us to pay our customers electronically. Most military retirees and annuitants getting paper checks need to set up direct deposit. Start direct deposit now.

Direct Express® Debit Card Program provides members who do not have a bank account an alternative to payment by EFT.


Pay Schedule

Pay Verification / Proof of Income

Survivor Benefit Plan Information


Get My 1099R

Correct My 1099R

Change My Arrears of Pay Beneficiary

Start or Change Direct Deposit

Change My Address

Manage My Allotments

Start International Direct Deposit

Report a Retiree's Death

Report an SBP Annuitant's Death

myPay Puts You In Control

myPay: Get started guide

The most convenient way to manage your retirement account is through myPay, our online account management system.

myPay Login Instructions:

If you've never logged into myPay

If you forgot your login ID

If you forgot your password


Page updated Sep 12 2022