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Calculate whether taking terminal leave or selling it back gives you more value
Typically 1-60 days
Leave blank if not receiving BAH
Benefits:
Considerations:
Take Terminal Leave
Taking terminal leave provides approximately $1,905 more in total value, primarily from extended TRICARE coverage and BAH (if eligible).
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Family health insurance on the civilian market costs $800-1,500/month. TRICARE continuation during terminal leave can save thousands, especially if you have ongoing treatments or prescriptions.
Lump sum payments are taxed at a higher rate (25-30%) because they count as income in a single tax year. Taking terminal leave spreads the income over 2 months, potentially resulting in lower overall tax liability.
Terminal leave provides time to move your household goods, find housing, and get your family settled before starting a new job. Selling leave means you need to manage relocation while starting work immediately.
The transition from military to civilian life is significant. Terminal leave provides decompression time to mentally prepare for the next chapter without the immediate pressure of a new job.