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Old 12-01-2021, 05:50 AM
  #17  
rickair7777
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"Normally" finishing off the AD retirement in the home stretch is a no-brainer. And I've counseled people to that effect over the years.

Always a no-brainer if you're particularly risk-averse.

But at this moment in time, there is a case to be made for grabbing the seniority. The risk of bailing on the AD retirement is mitigated by the fact that you can get the reserve version. Probable worst case is having to make a living to age 60 without the retirement safety net, but that's what most normal people do and ex-mil officers usually don't struggle to find and hold jobs.

A "typical" medical problem which grounds you for FAA purposes would *probably* still allow you to drill (non-flying) and finish 20 in the reserves. Even with a DQ medical issue in the reserves, there is a medical retirement or paid disability (retirement I think is assured after 18 years). I would research the reserve medical retirement rules so you know what your worst case would be.
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