In order to avoid a lapse in coverage, when should someone who is retiring from the Uniformed Services enroll in the TRDP?
To avoid a lapse in coverage, those who are retiring from the Uniformed Services—including those who are retiring from active duty as well as members of the National Guard/Reserve who are transferring to Retired Reserve status—and who wish to enroll in the TRDP should do so in the month prior to their separation date. This will ensure their coverage under the TRDP begins as soon as their retirement from active duty or transfer to Retired Reserve status is effective. A person who enrolls after his or her retirement effective date will have a gap in coverage; for example, if the retirement is effective January 31 and the new retiree enrolls in the TRDP in February, coverage will begin March 1. If the enrollment is within 4 months after the effective date of the person’s retirement from active duty or transfer to Retired Reserve status, he or she is eligible to skip the initial 12-month waiting period and begin receiving many of the additional program benefits as soon as coverage becomes
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