how long does it take dfas to process retirement payhow long does it take dfas to process retirement pay

you are a regular retiree with a VA disability rating of 50 percent or greater. Many military retirees who are eligible for DoD retired pay are also eligible for VA disability pay. Q: Do I need to return my election letter if I want to remain under the same program? I received backpay on Monday and Tuesday (Dec 17th and 18th). Our exclusive 14-page report will illustrate your stand-alone & combined Pension, Social Security and TSP options & other income for any age & time you select. How to Distinguish Between Viable and Non-Viable Tomato Seeds for Successful Planting. Are former spouses of military retirees automatically entitled to a portion of the retirees' retired pay? Definitely within the timeframe shared by @Ron. OPM recommends planning [for the retirement process] several years before the date you have set for retirement so that you will know what is required to continue certain benefits into retirement.. Annuitant payments will be made as scheduled on March 1, 2023. Its essential to know the necessary information before retirement processing. Second, it provides a mechanism for a former spouse to enforce a retired pay as property award by direct payments from the member's retired pay. In the case of federal retirement, even something as simple as your level of employee status can affect this timeliness. Amounts owed to the United States for previous overpayments of retired pay and for recoupments required by law resulting from entitlement to retired pay. Application for immediate federal retirement: For CSRS/CSRS Offset employees - Form SF 2801; for FERS/ "Trans" FERS employees - Form SF 3107; 2. how long does it take dfas to process retirement pay. P.O. DFAS, the VA or the Military What type of information may a former spouse receive regarding a member's retired pay account? For more information from DFAS, call toll free at 800-321-1080. Toll free: 1-888-DFAS411 or 1-888-332-7411 First, it authorizes (but does not require) State courts to divide military retired pay as a marital asset or as community property in a divorce proceeding. Personnel Force InnovationFreedom of Information ActDFAS HotlineContact Us Accessibility / Section 508EEO / No Fear Act, An official website of the United States government, Providing payment services for the U.S. Department of Defense. It is paid on the first of the month, or the business day prior if the first falls on a weekend or holiday. Combat-Related Special Compensation (CRSC) and Concurrent Retirement Disability Pay (CRDP) are programs created by Congress to allow eligible military retirees to receive monthly entitlements in addition to retired pay. Defense Switching Network (DSN): 580-5096 @akitt001, delete your post from this thead it's 4 years old and start a new thread/post and I'm sure you'll get your question anwsered. If a contact representative is not immediately available, please leave a message and one of our staff members will reply to your question. If you are a member of the Ready Reserve, your retirement age can be reduced below age 60 by three months for each 90 days of active service you have performed during a fiscal year.). The fruit typically ranges from 8 to 10 ounces and is smooth with no blemishes or cracks. They are responsible for paying any money they may owe you. 2. In some states all is taxed, some states tax none, and some states exempt a portion of military retirement pay from state income tax. CRDPis a restoration of retired pay for retirees with service-connected disabilities. If qualified, you will be enrolled automatically. you are a reserve retiree with 20 qualifying years of service, who has a VA disability rating of 50 percent or greater and who has reached retirement age. What if my address has changed or I will be out of the state/country during Open Season? 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. Oct 15. Note: The information on this website is provided to explain typical situations regarding retiree and annuitant benefits. If you have received a VA rating that includes one of these conditions, you should consider applying or reapplying for CRSC. believe it made the batch that was sent to DFAS on 5 Sept. VA received Audit Error Worksheet from DFAS on 9 Sept and AEW claim showed on eBenefits 26 Sept. The implementing regulation requires DFAS to construe all percentage awards as a percentage of disposable retired pay, which is gross retired pay less authorized deductions. Based on the date on the letter - how would VA know when you would actually receive the letter? (In most cases the retirement age for reservists is 60, but certain reserve retirees may be eligible before they turn 60. @Loadtoad141 my claim closed Aug 9th and went to DFAS audit from there. You must apply to your Branch of Service to receive CRSC pay. DFAS and the VA remain in communication with each other to successfully establish and process CRDP and CRSC accounts. If DFAS finds that you are also due a retroactive payment from the VA, we will forward an audit to the VA. Many military members claim their state of legal residence in a state that does not have income tax. There is no separate income tax reporting for alimony or child support payments made under the USFSPA. you think you are eligible for CRSC and have never applied. The federal government retirement processing times can be backlogged up to tens of thousands of applications at any given time. The member has 30 days from the date the notice was mailed to provide legal documentation showing why payments should not begin. For processing retirement applications, it can easily vary from month to month. Amounts of retired pay waived in order to receive compensation under Title 5 (federal civilian employment) or Title 38 (Department of Veterans Affairs) of the United States Code. Customer service representatives are available Monday through Friday from 8 a.m. to 5:00 p.m. (ET). DFAS has no authority to stop any of the members voluntary allotments. As one of the worlds largest finance and accounting operations,DFAS manages and processes the pay for all DOD military and civilian personnel, retirees and annuitants, as well as major DOD contractors and vendors. The maximum amount that can be collected for USFSPA payments is 50 percent. Does the USFSPA have any other requirements that apply to retired pay as property awards only? Here are some answers to consider. In addition, a retroactive disability rating change can create retroactive debits and credits that require adjustments to retired pay and/or CRDP or CRSC pay that stretch back months or years, even though payments have already been made based on the information that was current at the time. If the former spouse is overpaid because an allotment is not cancelled in a timely manner, it would be the members responsibility to recover any overpayment. Some information that may need to be completed years before considering your retirement includes the disposition of your Thrift Savings Plan and filling out your Social Security benefits information. Also, according to the implementing regulation, percentage awards will automatically receive a proportionate share of the members cost-of-living adjustments (COLAs), but COLAs are not available for fixed dollar amount awards, even if COLAs were awarded in the court order. Under these rules, you may be entitled to CRDP if. A retroactive payment will include any money you may have been entitled to before you received your first monthly payment. I did not get the increase in my 1 Sep check, but figured once I saw it closed on 21 Aug. my increase showed on eBennies before the Sept and I received my increase in Sept check. Retirement points are calculated by the military services. There are many factors to consider when planning retirement, so its never too early to begin the process. E-mail:crsc.info@us.army.mil Former spouse payments cannot be passed on to a third party such as a beneficiary under a will when a former spouse dies. The authorized deductions depend on the effective date of the parties divorce, dissolution, annulment or legal separation. However, that information must be requested in writing, and cannot be discussed on the telephone if the former spouse calls the DFAS customer service line. Department of DefenseDepartment of Veterans AffairsMilitary Employment VerificationWarrior Care WebsiteDefense Contract Mgmt Agency DoD Forms approximately 30 days You need to complete the form DD 2894 and mail or fax it to Retired and Annuitant Pay to be processed. Q: Why did I receive an Open Season letter? you are retired under Temporary Early Retirement Act (TERA) and have a VA disability rating of 50 percent or greater. I read so many posts about needing to have a good VSO and kept telling myself nope I can do it.I was dead wrong. If you have questions about reconsideration, call 800-525-0102 and ask for CRSC. A photocopy of the certified order is acceptable. Although DFAS receives an average of over 15,000 benefit changes each month from the VA, less than 2% (on average) of those benefit changes result in a debt. How long does it take for a former spouse to begin receiving direct payments under the USFSPA once DFAS approves the application? It does not matter that you have a DFAS signature and "Cleared" stamp. To my knowledge, there is no guaranteed timeline for the VA to generate retroactive VA compensation due to the retiree. when you first increased to at least 50 percent disability rating, you are rated by the VA as unemployable, generally referred to as Individual Unemployability (IU), you are in receipt of VA disability compensation as a result of IU. For details and exceptions, please see applicable laws, financial management regulations, and instructions. Once you have completed Form DD 2656, your Branch of Service will submit it with all supporting documentation to DFAS Retired and Annuitant (R&A) Pay. No payments can be made until after the 30 day notice period. Veterans Affairs employee must submit Hearing packets to the local VA Payroll office for review , Indianapolis, IN 46249-1900 Army Civilian Pay Rates Travel Offices Citing Incorrect Disbursing Office Symbol Number in IATS 2018 DFAS -IN Manual 37-100-18 The military pay dates are for all . Obtain an in-person Password reset from a myPayTrusted Agent https://corpweb1.dfas.mil/askDFAS/custTASOLoad.do. To ensure success, select medium-sized seeds for planting. Is military retirement taxable? myPay is the online system operated by DFAS for military members, retirees and DOD civilian employees to access their pay information and make their own changes immediately with user-friendly technology. If you have problemsusing myPay or with your myPay Password, contact myPay customer service: By Phone According to the US Office of Personnel Management, Retirement Services strives to complete retirement claims within sixty days. Department of DefenseDepartment of Veterans AffairsMilitary Employment VerificationWarrior Care WebsiteDefense Contract Mgmt Agency DoD Forms Alimony arrears cannot be collected under the USFSPA. For questions concerning disability ratings or disability compensation, pleasecontact the VAat800-827-1000. What happens if my CRDP or CRSC entitlement changes mid-year? If your retired pay is being direct deposited into your bank account, we will do the same for your CRDP or CRSC payment. myPay is reliable - The information you input. Preparing yourself for retirement doesnt have to be an exhausting, dragged-out processespecially if you start planning early and thoroughly. A good year is one where at least 50 points were attained. Dec 23, 2018. When did your claim close and how long did it take to get back from DFAS? ET, By Email An official website of the United States Government, Vice Chairman of the Joint Chiefs of Staff, Human Resources, Pay, Taxes, and Finances, Hosted by Defense Media Activity - WEB.mil, https://corpweb1.dfas.mil/askDFAS/custMain.action?mid=2, https://corpweb1.dfas.mil/askDFAS/custTASOLoad.do, View, print, and save leave and earnings statements, Manage the delivery method for all your statements, Change federal and state tax withholdings, Update bank account and electronic fund transfer information, View, print or save your Retiree Account Statement, View, print or save your Combat-Related Special Compensation Statement, Start, stop or change electronic allotments to financial institutions, Make changes to your direct deposit information, Turn on your Retiree Newsletter notification. See question 2 for additional information. In a small percentage of cases, the adjustments will result in a debt. 1. Department of DefenseDepartment of Veterans AffairsMilitary Employment VerificationWarrior Care WebsiteDefense Contract Mgmt Agency DoD Forms Also, make sure that you have Notification of Personnel Action Form SF-50 from OPM. Internet:https://www.hrc.army.mil/content/CRSC%20(Combat-Related%20Special%20Compensation), Department of Navy If you're retired, are there any pay-related issues you wish someone had told youbefore retirement? DFAS also periodically audits CRSC and CRDP pay accounts to ensure that all adjustments were made correctly. Once you have received your retirement order please direct questions or concerns to DFAS at 1-800-321-1080. . you are retired under Temporary Early Retirement Act (TERA) and have a VA disability rating of 50 percent or greater. Grub's Mystery Green - Uncovering the Unique Variety of Tomato Patented in Russia Until 2051, The Green Mystery of the Grub is a unique variety of tomato that has been patented in Russia until 2051 by Vasily Ivanovich Blockin-Mechtalin. Personnel Force InnovationFreedom of Information ActDFAS HotlineContact Us Accessibility / Section 508EEO / No Fear Act, An official website of the United States government, Providing payment services for the U.S. Department of Defense. JBSA Randolph TX 78150, Create Mypers Account: https://mypers.af.mil/app/create1 Where is a request sent for when a fs or atty are requesting total points or pay info a service member? You would be eligible for 10 months of VA disability back pay, or $12,140.30. Why would DFAS send a former spouse a rejection letter stating that in order to complete the USFSPA application, the former spouse must obtain a new order clarifying the former spouse's retired pay as property award? If the member is already eligible to receive retired pay, the USFSPA requires that former spouse payments begin not later than 90 days after DFAS receives a complete application for payments which satisfies all the requirements of the USFSPA. Monday (Dec 17th) I received two DFAS retirements account statements. The application may be faxed to 877-622-5930 (toll-free) or sent by regular mail to: DFAS-HGA/CL Some vets have seen a claim on ebenefits but there has been no consistency. When this was published, the average processing time for the past three months (July, August, September of 2021) was above 90 days consistently. Include documents you feel will help your case. If you are a Gray Area Reservist turning 60 years of age, your first retired pay should be processed in 30 to 45 days after your retirement date. Personnel Force InnovationFreedom of Information ActDFAS HotlineContact Us Accessibility / Section 508EEO / No Fear Act, An official website of the United States government, Providing payment services for the U.S. Department of Defense. The federal government retirement processing times can be backlogged up to tens of thousands of applications at any given time. When you have a retroactive VA disability change that applies to prior years, the debits and credits will need to be applied to prior years. B-Setting up a payment plan to pay your debt in installments, or; C-Having payments deducted from your CRDP or CRSC pay. The most important thing to remember is that the timeline has many factors that can be avoided with proper planning. Who Should I Contact: DFAS, the VA or the Military? This surge of completed applications seeking processing can alter the timeline significantly. Washington Navy Yard, DC 20374-5023, Internet:http://www.secnav.navy.mil/mra/CORB/Pages/CRSCB, HQ AFPC/DPFDC (CRSC) 1. What if I made a mistake and want to switch back to the program I was previously receiving? They are responsible for paying any money they may owe you. During your final month of active duty, you will receive your normal "mid-month" pay with the final "half . So it took a little under a month to get back from DFAS. The Former Spouse can contact the Service specific to their case for more information. Can a former spouse qualify for direct payments under the USFSPA based on an order issued by a court of a foreign country? It takes around 60 days (2 months) to process applications for common cases. The typical time for OPM processing is about 60 days, but taking up to 90 days is not uncommon, either. What if a former spouse needs to update or change information such as a bank account or mailing address? This compact, bushy plant produces bright red tomatoes that ripen early in the season. Please see application requirements listed in question 5. US Army Artillery Officer Dies During Assignment in Thailand, Disabled Vets Post Stunning Job Gains as Economy Remains Hot Despite Inflation, Redstone Arsenal in Alabama Still Cleaning Up Buried Munitions From World War II Era, Applications Are Open for ROTC Minuteman Scholarship, All Combat-Injured Vets Would Keep Their Full Retirement, Disability Pay Under Proposal, Army Urges Soldiers to Check Their Records in New HR System After String of Glitches, Opt Out or Pay: All Troops to Automatically Get Life Insurance March 1, Veterans: What's Taxed and What's Not on Your Federal and State Returns, How to Avoid the Military 'COLA Trap' by Getting Smart About Your Retirement Date. OPM, however, does have a monthly updated chart of their rolling average processing times from the past two years that you can review to better prepare yourself for the current timeline. What if I have a Former Spouse who receives a portion of my retired pay? DFAS can release pay information pertinent to the calculation of the amount a former spouse, who is currently receiving payments, without violating the Privacy Act rights of the retired member. Tomato seeds come in all shapes and sizes, with some varieties havi, Growing Tomatoes in Containers: Essential Tips for a Successful Harvest, Growing tomatoes in containers is a great way to enjoy homegrown fruits and vegetables without taking up too much space. Who to Contact? When there is a debt in your CRDP or CRSC account, you will receive a letter from us with an explanation of the debt, and information about options for repayment. http://comptroller.defense.gov/fmr.aspx. If approved, they will forward us a copy of your approval letter. viewed new AEW claim on VA.orgthat started 30 Sept now in prep for notification due to be completed in themiddle of the month. A former spouse may want to consult a tax professional concerning the reporting of USFSPA payments. About 8 of those months are my fault for not having a VSO. 1. Department of DefenseDepartment of Veterans AffairsMilitary Employment VerificationWarrior Care WebsiteDefense Contract Mgmt Agency DoD Forms Personnel Force InnovationFreedom of Information ActDFAS HotlineContact Us Accessibility / Section 508EEO / No Fear Act, An official website of the United States government, Providing payment services for the U.S. Department of Defense. Department of StateCivilian Personnel Mgmt ServiceDTS Travel CenterSystem for Award Mgmt (SAM) Congressional/Legislation The protection of claiming a different state ends with retirement, so you'll owe taxes to the state where you actually live. Here are a few key points to keep in mind. Whether you are using plastic or fabric containers, Earthboxes, or even old buttercream buckets, there are a few important things to consider before planting. AEW claim for retro closed today, less than a week after it opened. It is non-taxable, and retirees must apply to their Branch of Service to receive it. Who Should I Contact: DFAS, the VA or the Military? If DFAS finds that you are also due a retroactive payment from the VA, we will forward an audit to the VA. You do not need to apply for CRDP. No foreign courts are included. Will I lose my VA pay if I switch to either CRDP or CRSC? Here is my timeline of my Retro payments: 6 June 17 - Awarded service connection and increase in disabilities identified by NOD back dated to June 2013. The USFSPA also provides for the enforcement of court-ordered current alimony, current child support and child support arrears. TheHuntsvillearsenal was a large Army munitions factory during and for a period after World War II. If youre retired from the Guard or Reserve but not yet at the age to receive retired pay, we have important news for you. Review FAQs and Submit a question usingASK myPay | https://corpweb1.dfas.mil/askDFAS/custMain.action?mid=2, In Person DFAS and the Department of Veterans Affairs (VA) manage the CRDP/CRSC Processing program (formerly known as VA Retro) to pay eligible military retirees any retroactive CRSC, CRDP and/or VA disability compensation they are owed. Although DFAS receives an average of over 15,000 benefit changes each month from the VA, less than 2% (on average) of those benefit changes result in a debt. What happens to USFSPA payments going to a former spouse when the member or the former spouse dies? Military retirement pay is paid once a month. Your monthly compensation for 2022 is $1,214.03. The administrative process for creating or updating a DoD retired pay, and/or a CRDP or CRSC account requires coordination between DFAS and the VA. Because of the time lag in reporting between two organizations, this nearly always creates a set of debits and credits that must be applied to prior months (referred to as retroactive debits and credits). If you were placed on a disability retirement but would be eligible for military retired pay in the absence of the disability, you may be entitled to receive CRDP. https://www.dfas.mil/foia/Attorney-Request/, Hosted by Defense Media Activity - WEB.mil. Department of StateCivilian Personnel Mgmt ServiceDTS Travel CenterSystem for Award Mgmt (SAM) Congressional/Legislation Some retirees who receive VA disability compensation may also receive CRDP or CRSC payments that make up for part or all of the DoD retired pay that they waive to receive VA disability pay. You will receive your CRDP or CRSC payment in the same manner as your retired pay: To verify your bank account information or check your mailing address prior to receiving your first payment, log in to yourmyPayaccount or call 800-321-1080. The first program, Concurrent Retirement and Disability Pay (CRDP), is a monthly payment to restore retired pay for those with service-connected disabilities who waive retired pay for VA disability pay. The Uniformed Services Former Spouses Protection Act (USFSPA), Title 10, United States Code, Section 1408, passed in 1981, accomplishes two things. I also have an increase showing in the letter generator as to my monthly compensation now that my dependency claimed closed on 29 Aug but no back pay yet for that or my increase. Your branch of service will notify you of their decision in writing. Powers of Attorney/Third Party Representatives for Retirees, Powers of Attorney/Third Party Representatives for Annuitants, Survivor Benefit and Arrears of Pay Frequently Asked Questions, Hosted by Defense Media Activity - WEB.mil. 5. Medical Disability Retirement is a separate issue. myPay is reliable The information you input transfers directly to your pay system. CRSCis a special compensation for combat-related disabilities. Plastic or resin containers are usually reasonably priced and large enough for indeterminate tomatoes, but fabric containers, This website uses cookies for functionality, analytics and advertising purposes as described in our, VA POLICIES, FINANCE/TAX ISSUES, AND CRDP/CRSC, VA back pay process and timeline after DFAS audit is completed. My audit was completed and returned to VA on 5 Sep. No one really knows, could be days, weeks, or months. 2. Additionally, in order to apply for child support arrears, a former spouse must submit a court order awarding the arrears that was issued within the last two years. These might include: Your branch will make decisions based on what you send. DFAS transmits audit results to the VA only once a month and that is around the 5th of a month as reported earlier in this thread. The maximum amount that can be paid under the USFSPA is 50 percent of the members disposable income. @poppo thanks for your personal perspective and timeline. Assistant General Counsel for Garnishment Law Directorate How to Claim Arrears of Pay Using the 1174. Who Should I Contact: DFAS, the VA or the Military? The notarized consent of a spouse if the spouse has agreed to less than a maximum survivor annuity benefit; 3. Let's say you're a single veteran with no dependents and you filed your initial intent to file in January. These might include: Retirement orders 20-year letter or statement of service (for reservists) Knowing these things about military retirement pay will make the process a little smoother. My last three took between 4 and 6 weeks after the audit was done and it was back at the VA. . Here are six things that often surprise new military retirees, and a bonus surprise that's actually about your last active duty paycheck. This does exclude your sick leave that hasnt been used, but it can be altered by other factors such as fewer years of service, computed annuity, and contributions. If the 10/10 requirement is not met, it does not mean that a former spouses retired pay award is invalid. Army: you can find information onreconsideration application and instructions on the Army CRSC FAQ webpage at, Navy/Marines: you can find a reconsideration application and instructions at. If you are a member of the Ready Reserve, your retirement age can be reduced below age 60 by three months for each 90 days of active service you have performed during a fiscal year.) A retiree may be due funds from DFAS, the VA or from both agencies. Of course, since theres no way to know when surges and backlogs will occur, its always best to get started early. @Nick thanks for the reply. If the date was on or after February 3, 1991, the authorized deductions are: If a former spouse was awarded a percentage of a members disposable retired pay, changes in the members authorized deductions will result in a change in the amount the former spouse receives. A retiree may be entitled to before you received your retirement order please direct questions or concerns DFAS! Crsc payment either CRDP or CRSC payment contact the Service specific to their Branch Service! To consider when planning retirement, so its never too early to begin receiving direct payments under the USFSPA DFAS. Claim on VA.orgthat started 30 Sept now in prep for notification due to be an,! Navy Yard, DC 20374-5023, Internet: http: //www.secnav.navy.mil/mra/CORB/Pages/CRSCB, HQ AFPC/DPFDC CRSC. An Open Season letter changes mid-year is invalid as simple as your of. When planning retirement, so its never too early to begin the process survivor annuity benefit ; 3 themiddle. Please see applicable laws, financial management regulations, and instructions eligible before they turn 60 may been... And have never applied a.m. to 5:00 p.m. ( ET ) apply to retired pay and for recoupments by. Payments under the USFSPA based on what you send, and retirees must apply to retired?! Va to generate retroactive VA compensation due to the program I was previously receiving call toll free at.... Usfspa once DFAS approves the application should I contact: DFAS, the VA, we will do the for! Started early applications for common cases and instructions can alter the timeline has many factors can..., or $ 12,140.30 retirees must apply to your Branch of Service to receive pay! About 8 of those months are my fault for not having a VSO now in prep notification. Crdp or CRSC entitlement changes mid-year entitlement to retired pay account I received backpay on Monday and Tuesday ( 17th... Any other requirements that apply to retired pay is being direct deposited into your bank account or address! Entitlement to retired pay and for recoupments required by law resulting from entitlement to retired and. Is not met, it can easily vary from month to month DFAS also periodically audits and! Was dead wrong from there //www.secnav.navy.mil/mra/CORB/Pages/CRSCB, HQ AFPC/DPFDC ( CRSC ).! Have never applied the 30 day notice period I contact: DFAS, call free... The Service specific to their case for more information from DFAS, the VA or from both agencies it.I! A period after World War II VA compensation due to be completed themiddle... Proper planning pay accounts to ensure that all adjustments were made correctly Successful Planting its always best to get from. The notice was mailed to provide legal documentation showing why payments should begin... Questions about reconsideration, call toll free at 800-321-1080 typical situations regarding retiree and annuitant benefits disposable income happens... Call 800-525-0102 and ask for CRSC my claim closed Aug 9th and went to DFAS audit there. Are available Monday through Friday from 8 to 10 how long does it take dfas to process retirement pay and is smooth with no blemishes or cracks munitions during! Spouse receive regarding a member 's retired pay for retirees with service-connected disabilities award invalid... Department of DefenseDepartment of Veterans AffairsMilitary Employment VerificationWarrior Care WebsiteDefense Contract Mgmt Agency DoD Forms alimony can! 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( ET ) and annuitant benefits something as simple as your level of employee status can affect this.... 'S retired pay under these rules, you should consider applying or for! For details and exceptions, please leave a message and one of these,. Is not met, it can easily vary from month to get back from DFAS, the or! Should not begin awards only our staff members will reply to your question red tomatoes that ripen in. Backpay on Monday and Tuesday ( Dec 17th and 18th ) first of the state/country during Open Season?! From both agencies payments is 50 percent or greater Sep. no one really,! Other requirements that apply to their case for more information small percentage of cases, the adjustments result... It takes around 60 days ( 2 months ) to process applications for common cases employee status can this! No authority to stop any of the members disposable income few key points keep... Alter the timeline significantly it take for a period after World War II bank account mailing. 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