TrendingWhat Are Some Military Benefits

What Are Some Military Benefits


Help With School Fees And Childcare Costs

Did you know there’s a tax that cuts into benefits some military widows get?

If you are currently serving in the Armed Forces, you may be able to claim an allowance to help pay for your child’s boarding school fees. You can get more information from the Children’s Education Advisory Service. Their contact details are:


You can buy childcare vouchers to pay for the care of your child. As these are free from tax and national insurance, you can make big savings on the cost of childcare. If you register for the Armed Forces childcare voucher scheme the cost of the vouchers is taken from your pay every month. The vouchers can be used to pay for nursery care, summer camps for teenagers, boarding school fees and many other childcare costs.

You can find more information and application forms on childcare and school fees on the Ministry of Defence Childcare website at:

Survivors And Dependents Educational Assistance

If you become permanently disabled as a result of service, the Survivors and Dependents Education Assistance program provides tuition assistance to your spouse and children. This program may be:

  • used for up to 45 months of education in degree and certificate programs, apprenticeships or on-the-job training
  • combined with the benefits of the GI Bill, effectively providing 81 months worth of tuition assistance

You May Be Getting A Bigger Pay Raise Than Expected This Year

Your paycheck this week is going to be bigger, and what you do with that extra money can improve your finances for years to come.

The next regular military payday is Friday, Jan. 14, 2022, with many military members having access to their money earlier if they use a bank or credit union that offers early crediting of military pay. This paycheck will include two or more increases to your total paycheck.

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Basic Pay Is Getting Its Biggest Boost In A Decade

A look at the basics that make up your basic pay and what could be in store for your bank account come 2022:

What is basic pay?

Basic pay is determined by rank and length of service, with automatic raises when troops meet certain time and promotion markers. In addition, each year Congress determines how much of a pay raise all troops should get.

The figure is tied by law to the anticipated increase in private sector pay, but lawmakers in the past have approved bigger raises to help with recruitment and retention or smaller raises to save money for other military priorities.

Annual pay increases

The annual military pay increase takes effect in January of each year. The White House issues its target for the hike each August, either going along with the projected rise in private sector wages, known as the Employment Cost Index, or offering justification for proposing a different rate.

Congress has the final say, however. In the past, lawmakers have overridden attempts by the White House to submit lower pay raises in an effort to save money for other priorities. The raise is usually applied across the board, although lawmakers made an exception at the height of the wars in Iraq and Afghanistan to provide more money for some mid-career service members to help with retention.

The most junior enlisted service members make around $25,000 a year in basic pay , while enlisted troops nearing retirement typically earn about $70,000 annually.

This years pay raise

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7 Military Benefits Every Service Member Should Use

Yes, being in the military involves sacrifice, but you do have benefits in return for that sacrifice. Take the time to learn all you can about your potential military financial, educational, tax and housing benefits. Research these benefits carefully, and apply for those that you qualify to receive. After all, you earned or are earning these benefits with your service. Make sure you are getting the full amount you deserve.

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% Guaranteed Return On Savings


  • The militarys Savings Deposit Program lets deployed service members invest up to $10,000 in the program each time you are deployed. You receive 10% annual interest, compounded quarterly the program lasts for up to three months after your return.

To put that in perspective: The average interest rate on a regular savings account these days is less than 0.1%. The SDP rate is more than 100 times higher.

Your take-home pay increases while youre receiving tax-free income during service in a combat zone, which can help you afford to stash extra money in the SDP. For more information, see the Savings Deposit Program page at the Defense Finance and Accounting website.

Find Flexibility In The Way You Can Serve

People who join the full-time Army are commonly expected to work on a full-time basis. However the ADF has flexible work arrangements available such as the ability to work from home, work from another location or work outside your normal core hours.

With approval from Army and subject to service capability requirements, you may be able to work part-time to suit your current situation. Applications will only be considered after completion of recruit and Initial Employment Training, which will typically be several months after appointment/enlistment.

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Military Benefits At A Glance

So you are considering your options for the future and thinking about the military. Joining the military is unlike any other option, because there are benefits you won’t find anywhere else. An important step is understanding the many tangible and intangible benefits of joining the military:

  • A guaranteed paycheck and cash bonuses
  • Education benefits
  • 30 days of annual paid vacation
  • Travel
  • Option for full-time or part-time service
  • Tax-free room, board and allowances
  • Health and dental care
  • Use of commissary and military exchange stores
  • Special home loans and discounts
  • Unparalleled sense of patriotism, duty, honor and selfless service
  • Highly sought-after skills, leadership and training experience.

A Deeper Look At Triple

Tax Benefits for Members of the Military

The article went on to state, nearly 60,000 triple dippers collected $3.5 billion in benefits, and, Of the $3.5 billion spent in 2013 on the triple dippers, $1.4 billion came from the VA, $1.2 billion came from the Pentagon, and $937.4 million came from Social Security.

On the surface, that is a huge number. But the article went on to quote two specific examples:

Veteran 1: A 54-year-old who retired in 1997 after 20 years in the military, who had lung disease, vascular disease and lost use of his feet, collected $122,887 in benefits in 2013 nearly three times the $43,808 someone of his pay grade would have made in the military.

Veteran 2: Meanwhile, a 59-year-old who retired in 2004 after 26 years, who lost his feet, is blind in one eye and has renal problems, collected $152,719 in 2013 more than twice the $72,824 salary of someone at his final military pay grade. Most of his benefits $85,958 came from VA disability, while $46,396 was military retirement, and $20,365 was from Social Security.

These are serious illnesses and injuries.

What the article fails to mention is that Veteran 2 receives the maximum special disability award of $85,958. That is only given to severely disabled veterans who require full aid and attendance in their home. In other words, the money is to be used for home nursing care.

The funds arent going into the veterans bank account. They are being used to provide health care for service-connected injuries.

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Housing Health And Dental

The military considers the health and welfare of service members and their families to be one of its most important priorities.

Housing, room and board: The military has a tradition of providing room and board, including meals as part of service members’ pay. While on active duty, you are eligible for free dining or an allowance to cover the cost of your meals if dining facilities are unavailable.

Although military housing varies by rank, location and family situation, new recruits start their military careers living on base. During basic training, recruits live in group quarters with shared bathroom facilities. As service members move up in rank, their housing options expand.

Service members and their families live in well-designed and modern on-base housing communities that emulate what civilian communities offer, including schools, church facilities, gyms, libraries, banks, commissaries, theaters, restaurants, shopping and many other community support services.

Insurance, health and dental care: Hospitals, clinics and dental services are provided for active-duty personnel and their families on or near most military installations. Active-duty service members are eligible for $50,000 to $400,000 in affordable life insurance.

Health care for Reserves and Guard: Reserve members and their families are eligible for health care when activated. Members also may be eligible for either full or partial insurance coverage.

Military Spouse Career Advancement Account Scholarship

The MyCAA Scholarship can provide tuition assistance if your spouse is looking to further his or her education. The MyCAA Scholarship:

  • provides up to $4,000 for military spouses seeking a license, certificate, certification or associate degree for high-demand, high-growth portable career fields and occupations
  • includes many careers such as nursing, construction, information technology and law

Find out more about eligibility requirements with this fact sheet from the Department of Defense.

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Multiple Provider Network Concept

The proposed T-5 changes would involve partnerships between winning TRICARE contractors and local health plans/networks in the regions, creating a multiple provider network concept. The congressional committee hopes that by shifting the next iteration of TRICARE contracts to this construct, it will allow private sector support plans to better serve beneficiaries. Better service would come by more closely matching local beneficiary needs with innovative service and care capabilities, improving integration with military treatment facility leadership, and facilitating a more agile, cost-effective approach for the DOD.

In a second August report, sent from the DHA to the Senate Armed Services Committee, the implementation of a pilot program with these proposed changes was set out, testing the concept only in certain areas. Contracts will be issued directly to provider networks, enabling them to accept TRICARE beneficiaries an approach which will allow local/regional plans and providers to focus solely on delivering health care services rather than these back office activities lead to more plans and providers competing for TRICARE business.

The Pentagon-released draft request for proposal for the T-5 contracts could be worth upwards of $58 billion. Responses to the draft from interested contract bidders are due September 18.

Veterans Travel In London

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You can apply to join the Veterans Concessionary Travel Scheme in London if you are:

  • a veteran getting financial help under the War Pensions Scheme
  • a veteran getting regular financial help under the Armed Forces Compensation Scheme
  • a war widow or war widower getting financial help from the War Pensions or Armed Forces Compensation Schemes

Under the Veterans Concessionary Travel Scheme, you will be issued with an Oyster photocard. You can use this to travel free at any time within London on the bus, underground, Docklands Light Railway , tram and London overground services.

You can find out more information about this scheme by contacting Transport for London. Their contact details are:

Helpline: 0845 331 9872 Website:

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Home Loans And Living Expenses

When you are in the military, you not only receive savings and tax benefits, but also housing benefits. Housing options can be an excellent help to active duty members of the military as they face the constant reality of potential change of station notifications. Military housing benefits include the ability to live on base housing as well as a number of benefits for those who choose to purchase or rent a home off base. The benefits also include allowances and reimbursement for moving expenses. Military housing benefits are intended to ensure soldiers, veterans and their families always have a safe and affordable place to live.

However, navigating the many different options for housing benefits isnt always easy. Also, determining which one is right for you is a challenge. Here are some steps you can take to ensure you are taking advantage of all of the potential housing benefits available to you:

For more information about housing benefits, visit:

Veterans Readiness And Employment

Like VA education benefits, VA vocational benefits assist veterans with getting back to work after leaving the service. However, these benefits are more focused on career readiness and independent living than educational training. Resume development, career search assistance, exclusive job opportunities, and business plan development are services veterans can benefit from through VA vocational assistance programs.

The Veteran Readiness and Employment program offers benefits for up to 12 years upon leaving active duty service or after receiving a disability rating from the VA. The program aids veterans with a service-connected disability or condition that impedes their ability to work or find a suitable job. Veterans may receive assistance for starting a career, re-entering their previous industry, or becoming self-employed. Job training and career counseling are potential perks of the program.

Veterans work with Vocational Rehabilitation Counselors to get the resources they need to get back into the workforce, start a business, or live independently. A VRC is available in person or by phone for veterans to have quick, convenient access to help when needed.

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Free College For Yourself Or A Spouse Or Kid


  • The Post-9/11 GI Bill covers the full cost of in-state tuition and fees at public colleges for up to 36 months , or up to $26,043 per year for private colleges and foreign schools. Youll also get a housing stipend and money for books and supplies.

The money may be used for undergraduate or graduate programs, or for certain programs at vocational and trade schools. And one of the best features of the Post 9/11 GI Bill is that longtime service members may transfer their benefits to a spouse or children. Get more details on the Post-9/11 GI Bill at the Department of Veterans Affairs website.

Travel Benefits And Vacation Time

Best Military Benefits I use the most

With installations throughout the world, the military pays relocation expenses for you and your family. In addition to seeing the world while serving your country, military members and their families are eligible for “space-available” military flights to almost anywhere in the world at little or no cost and for space-available lodging at any military base. Additionally, there are world-class resorts only for military personnel, such as Shades of Green near Walt Disney World, the Hale Koa Hotel on Waikiki and resorts in Japan, Germany and South Korea.

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Tricare Continued Health Care Benefit Program

CHCBP is not Tricare, but, rather, a much more expensive benefit, similar to COBRA benefits on civilian medical care. For a premium , the former spouse may continue Tricare coverage for three years, or, if the spouse is unremarried and either receiving a share of the military retirement or SBP, indefinite coverage. For more information, see the Military Health Benefits for Divorced Spouses article in the Military Divorce Guide.

Change Allows Extra Gi Bill Benefits For Some Disabled Vets

Individuals who use Veteran Readiness and Employment benefits to pay for college classes will no longer have that counted against their eligibility for GI Bill payouts later on, after a rule change by Veterans Affairs officials earlier this month.

The move, first reported by, could affect as many as 80,000 individuals who have already used VR& E benefits and unknown thousands more who may use the benefit in the future.

In a statement, VA officials said the change was prompted after an internal review of the programs showed that a more favorable interpretation of the law is allowable to help eligible veterans maximize their benefits.


In the past, the two benefits could not be used together. Every month of VR& E benefits were counted against the 48-month cap on Post-9/11 GI Bill benefits, and vice versa. If veterans used the full 48 months of one benefit, they could not access the other.

But veterans groups over the years have challenged that interpretation, saying the benefits cover different issues and should not be grouped together.

The GI Bill program is well-known. Veterans or their dependents can use the Post-9/11 GI Bill benefit to pay for college tuition and receive a housing stipend, with the goal of completing a degree program. Combined, the value of the payouts can total several thousand dollars a month, depending on an individuals residency and school choices.


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The Intangible Rewards Are Priceless

Your military experience will impact your entire life. Through military service, you learn self-discipline, earn respect and demonstrate work ethic. The experience, training, and leadership skills you earn in the military are exactly what employers seek, but that’s just an additional benefit.

A feeling of patriotism, sense of duty, honor, selfless service and purpose that can be gained only through military service are some of the sentiments that veterans and service members share. All this, plus leadership skills, doing work that matters, camaraderie and accomplishment are just some of the intangibles that are perhaps the most rewarding of all military benefits.

Benefits By Service Branch

Military Divorce and Retirement: Some tough stuff
  • Coping with loss
  • For youth: family relationships, school, adjustment to separation, grief and loss.

Military OneSource non-medical counseling gives you the chance to talk to a trained professional people who are experienced and understand military life for an hour up to twelve times a year. This free support is completely confidential. Services are not reported to command and will not affect your military career or security clearance, or your spouses.

Learn more about non-medical counseling. And feel free to take advantage of our support and information to keep your health strong, help work through issues, and be mission ready throughout your new military career. Were here to help, call 800-342-9647. Military OneSource stands ready to help 24/7.

Plus, there are the military benefits you wont see on paper:

  • You have the pride and honor of serving your country.
  • You belong to a military community with a long, proud tradition.
  • You learn self-discipline and earn respect, experience and skills that make you stand out.

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