I just checked eligibility, and despite the fact that I was medically discharged (honorably) back in the 80's, since I didn't retire (and I am not the son of, or husband of, a retiree or other member), and I didn't get discharged AFTER 1996, I can't join up. Not sure the reason for the pre '06 exclusion, but that's what they say, so I will look further...