And How Does A Hypothetical Order Work
The hypothetical order is not based on a percentage or a dollar amount of the current pay. It is made-up pay. For example, you could say 50 percent of a military members pay who has served 25 years with a pay scale of $4,000 dollars a month. Even if the number of years doesnt match what the military member served or the pay scale, the military will use these made up numbers and apply them to the case.
How Much Will My Service Member Pay For Spousal Coverageand How Do The Premium Payments Work
Your service member will pay a premium for your coverage, which will increase as you age. Choose your age below to view current spousal coverage monthly premium rates based on the amount of insurance coverage you want.
|Monthly premium rate||$4.50|
If youre signed up as a spouse in the Defense Enrollment Eligibility Reporting System , well automatically deduct the FSGLI premium from your service members pay. If you arent signed up in DEERS, your service member will still be responsible for premiums and back payments of unpaid premiums.
Salary Comparison: Married Vs Unmarried
Within the U.S. armed forces, married soldiers are paid a higher annual salary than military singles. This salary comparison hasnt gone unnoticed by military singles who are marrying strangers in order to get a higher salary, according to a recent report by LAWeekly.com. Its called a marriage contract and it works like this: military singles seek strangers to marry, soldier marries stranger , receives extra pay for being married and pays off contract wife with a portion of extra pay.
According to LAWeekly.com, an unmarried private in the Army earns a monthly salary of about $1,350. However, if he gets married, his monthly salary increases to about $1,800. If he is deployed, our married soldier will also receive a Family Separation Allowance of $250, or as its called in the service, missing me pay.
Thanks to these contract arrangements and the military pay chart, married enlisted definitely earn more than military singles. What about a salary comparison in civilian life? Are you likely to earn a higher salary if youre married?
How does your and your spouses salary compare? Do a salary comparison with our salary calculator.
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About The Va Disability Rating System
Veterans with a disability that developed or worsened while serving in the military or due to military service may be eligible for Service-Connected disability pay.
Conditions covered by these benefits typically include:
- Physical disabilities including hearing loss, chronic back pain, asthma and cancers caused by contact with toxic chemicals.
- Mental disabilities including anxiety, post-traumatic stress disorder , depression and traumatic brain injury .
Find a complete list of covered conditions here.
For every disability claim, the Department of Veterans Affairs assigns a severity rating ranging from 0-100%. This rating moves in 10% increments, is based on service treatment records, VA medical records, and private medical records directly relating to the disability.
For Veterans with more than one disability, the VA uses the combined rating table to calculate your disability percentage.
Considerations For Dual Military Couples
Because there are fewer females in the military, a higher percentage of females are in dual military marriages, making it more likely for females to feel the negative impacts of a dual military marriage.
When servicemembers have children, one spouse often has to step back from pursuing their career. Being in a successful dual military marriage has as much to do with being mission-ready as it does with having open communication with your spouse.
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Do Military Marriages Last
Long marriage in the military is not the opposite of divorce. Yet we study the divorce rate among couples married less than five years as if that explained everything. When researchers do consider long- married military couples, they note that the divorce rate declines as couples become more senior.
Should I Start Looking For A Divorce Attorney
Although a Judge Advocate General officer can provide a separating or divorcing member of the military or the members spouse general advice about military benefits, the officer cannot provide advice to both. The officer cannot represent either spouse in state court. Since divorces are dealt with in state court, attorneys in the state where the divorce petition is filed must be retained.
The state attorney selected should be one familiar with how military regulations and federal statutes affect divorce proceedings. Specific laws and regulations include: Servicemembers Civil Relief Act , Uniform Services Former Spouse Protection Act , the Survivor Benefit Plan , as well as knowledge about how garnishments of military pay can be accomplished.
Where should I file the petition?
A divorce petition must be filed in the United States even if the couple is living overseas. The petition can be filed in:
- The state where the nonmilitary spouse resides.
- The state where the military member claims legal residency.
- The state where the military member is currently stationed.
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Can My Service Member Make Changes To My Coverage
Yes. If you have spousal coverage and you want to reduce, turn down, or cancel it, have your service member submit your changes online through the SGLI Online Enrollment System .
To access SOES, have your service member:
Note: We automatically cover dependent children. This coverage cant be turned down, reduced, or canceled.
Fully Developed Disability Claims
The next fasted option is the Fully Developed Disability Claims program.
The primary difference between the FDDC program and filing a standard claim is the Veteran must provide all evidence upfront and certify there’s no additional evidence needed to make a claim decision.
At a minimum, the Veteran should provide:
- All military personnel records on the condition, and
- All service treatment records on the condition, and
- All private medical records on the condition, and
- All VA health records or supplementary information about related VA health records that the VA can request on your behalf
If the VA requires additional information, the claim typically gets removed from the FDDC program and is processed as a standard claim.
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Active Duty Spouse Or Member
If you are planning on joining the military and planning on getting married, there are certain advantages and disadvantages to tying that knot before you leave for basic training. As with any marriage, there are challenges. However, there are many challenges unique to the military. Being gone half the time is a real possibility depending on what job in the military and person selects. There are some jobs that do not deploy at all
The divorce rate in the United States is about 50 percent, and that statistic follows over to the military. The military divorce rate is traditionally a little higher, because of the difficulty of a military life brings its challenges to the family. Frequent moves and trips, unaccompanied assignments, long working hours, combat deployments, and potentially dangerous work can add to the stresses of married life. Some units within the military such as special operations tend to have a higher average divorce rate than other military counterparts and civilian society. However, the military provides many benefits to help the family, unlike many other employers, do. Here are a few of the monetary and living benefits available to military members:
How Do I Protect My Military Retirement In A Divorce
Former spouses will retain all military benefits and privileges, including medical, commissary, military exchanges, if he or she was married to the member at least 20 years, the member had at least 20 years of creditable service, and there was at least a 20-year overlap between the marriage and the military service.
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What Type Of Military Medical Benefits Are Offered
The Military offers health benefits through their Tricare Insurance, which all currently serving service members are eligible to participate. Service members who serve a minimum of 20 years are eligible to receive lifetime Tricare medical benefits. Former Spouses who meet the 20/20/20 are also eligible to receive lifetime medical benefits under Tricare, as discussed earlier.
State Courts do not have the ability to confer or divest rights to medical benefits. The Federal right to receive these medical benefits either exist or do not exist for former spouses by virtue of their marriage to a military service member.
How Does An Ex
Once a couple is married 10 years , the spouse becomes eligible to receive a portion of the service members disposable retired pay. At 15 years, the ex-spouse is eligible to receive half of the disposable retired pay and one year of health benefits. At 20 years or more, the spouse becomes eligible for half of the disposable retired pay, health benefits and other benefits, like base privileges.
If you look at the number of active-duty military , reserve forces and veterans , you can see why the federal government would want to place limits on who qualifies for military retirement benefits upon divorce.
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Basic Allowance For Housing
In addition to the base salary, the housing allowance given by the Air Force depends on the member’s dependency status and her residency location during service. If a member is married or has children, the housing allowance is higher. In 2011, the housing allowance for a level one Airman with dependents in Auburn, Alabama, is $927 per month. In comparison, a level nine Airman with dependents receives $1,506 per month. A level one officer with dependents receives $1,332 in the same area, and a level seven officer with dependents receives $1,839.
Bah And Cola: Military Marriage Pay
Troops receive different pay levels based on whether they are married or have what is known in the military as “dependents.”
When a military member adds a dependent under his or her name in the Defense Enrollment Eligibility Reporting System , he or she gets a one-time bump in pay as a part of the Basic Allowance for Housing entitlement.
That money is given to troops to help them pay for housing, including some utilities. While technically not military marriage pay, the increase can feel like that since the service member gets it only by adding a dependent, often a spouse, to his or her personnel account.
Troops who are stationed overseas or at high cost-of-living assignments may also receive a cost-of-living adjustment with their pay.
Unlike BAH, which is increased only once, COLA is based on the number of dependents a service member has. For example, although having a child will not give your service member more BAH, he or she will see a small increase to COLA with every additional member of his or her household.
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If Youre A Military Spouse And You Were Married On Or After January 2 2013
We wont automatically cover you. Youll need your service member to sign you up online through the SGLI Online Enrollment System .
To access SOES, have your service member:
Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to sign up.
Your service member can log in with their CAC or DS Logon as soon as they receive notice that they can start using SOES.
Do Married Men Work More To Avoid The Family
Perhaps it is the state of being married that changes the twin to be more desirable to employers. An article about U.S. married workers in the Washington Post seems to concur with the results of the economists study: Among its many benefits, marriage raises the earnings of men and motivates them to work more hours . Working more hours, particularly for salaried jobs, is definitely something an employer would value.
The AAUW study on pay differences also found that college educated men who are parents work at least as many hours as single. It also found that men with no children are more likely to be out of the labor force , unemployed, or employed part-time, than are men with children. Men with children are more likely to be working full-time or multiple part-time jobs.
These findings stand on its head the assumption that single men can spend more time in the office, because they do not have families that demand their time. Perhaps a single lifestyle takes more time to maintain than a married one does?
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How Much Of My Retirement Is My Ex Wife Entitled To
In terms of how much either spouse is entitled to, the general rule is to divide pension benefits earned during the course of the marriage right down the middle. Though that means your spouse would be able to claim half your pension, they are limited to what was earned during the course of the marriage.
Tell Us A Little Bit About Military Retirement Pay
Military retirement pay generally refers to the monthly payments from the Armed Forces Retirement System after a service member has retired. The Armed Forces Retirement System is the formal name for the military pension plan. Military members who have served a minimum of 20 years are eligible to receive military retired pay through this system.
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The Basic Allowance For Housing
Technically, there’s no difference in military pay married versus single, but tying the knot does affect the “Basic Allowance for Housing” entitlement that’s provided to servicemembers to defray the costs of keeping a roof over their heads. It pays for a portion of rent, mortgage and some utilities, and it can be adjusted upward when you get married.
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This “BAH” entitlement increases a bit when you add a dependent, even if your spouse or your other dependent doesn’t live at your duty station with you. In fact, adding a dependent is the only way to increase your BAH benefits. Unfortunately, this is a one-time event. You don’t get another increase whenever you and your spouse add another dependent, such as if you have a child.
The extra money is included in your biweekly pay, much like a raise, and it covers 95 percent of your housing costs, not counting renters’ insurance. And here’s more good news: You’ll still receive what you were initially getting if this rate is adjusted downward, but you’ll get more if the rate goes up.
Glossary Of Military Pay Calculator Terms
Basic Allowance for Houseing : A housing allowance for servicemembers in local civilian housing markets within the United States when government quarters are not provided. BAH is determined by geographic duty location, pay grade, and dependency status.
Basic Allowance for Subsistence : BAS offsets the cost of a servicemembers meal. Enlisted members get full BAS but pay for all meals including those provided by the government.
Base Pay : Basic pay is determined by rank and length of service. Basic pay is taxable, unlike allowances and makes up the largest portion of compensation.
Branch of Service: The United States Armed Forces has 5 branches of service: Army, Navy, Air Force, Marines Corps, and Coast Guard.
Duty Station Zip Code: BAH is based on the duty station zip code.
Paygrade: A system of letters and numbers to classify servicemembers pay.
- E = Enlisted Member
- W = Warrant Officer
- O = Commissioned Officer
- The number indicates the level of pay for each letter where 1 is the beginning level of pay
Payscale Year: Military compensation typically increases each year. See current, present and future compensation by selecting different payscale years.
Regular Military Compensation : The sum of base pay, BAH, BAS, and the federal income tax advantage from tax-free allowances. Regular military compensation is the approximate amount of an equivalent civilian salary. RMC does not include all compensation .
Years of Service: The numbers of years a servicemember has served.
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Can My Ex Wife Claim My Pension If I Remarry
When a couple gets divorced their pensions are usually included in the financial settlement along with property and other assets. Without a consent or court order confirming the settlement, both parties can make a claim on their former partners pension, regardless of how long theyve been divorced.
Military Spouse And Family Healthcare
Active-duty military families — regardless of which branch of service their spouse serves in — receive benefits through the military’s healthcare, which is called Tricare. While Tricare is technically not an insurance company, it often operates a lot like one, helping military families receive healthcare and pay medical bills.
There are two kinds of Tricare that active-duty families, medically retired families and families of activated guardsmen and reservists can use: Tricare Select and Tricare Prime. You can learn about the differences between them here.
If you are a non-activated guard or reserve family, you can still use Tricare under the programs designed specifically for you. Learn more about them here.
Military retiree families can also receive Tricare. They use this set of Tricare programs.
Dental insurance is provided to military families through United Concordia . You can learn more about United Concordia dental coverage here.
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Military Marriage: 10 Things You Might Not Know
journalist, author and event planner
In honor of Memorial Day, we talked to four military spouses about what what their marriages are really like, especially when one spouse is far away or in combat. They shared some truths about their lives, which are often misunderstood by civilians.
1. Military couples put duty first — not their marriages.
While common marriage advice holds that a person should place his or her marriage above all else, military spouses often don’t. Living with this reality often requires a lot of patience, said Alison Perkins, who serves as the editor of a military spouse resource website, SaluteToSpouses.com. “In a military marriage, duty is first everything else second, said Perkins, who lives in Honolulu with her husband, an active-duty soldier in the Army, and their four children.
2. Military wives are not as likely to cheat as their deployed husbands.
A misconception about military marriage is that it frequently involves infidelity, according to Perkins. “People sometimes assume that lots of military wives cheat when their husbands deploy,” she said. “I don’t doubt that it happens. But in my experience, it isnt as common as military husbands having an affair with a female soldier while overseas.”
“I know many couples that divorced as a result of a relationship that began in the war zone,” Perkins said. “It is a huge, unaddressed issue that can cause significant stress for military spouses.”