Enlisting to work in the military can be thrilling and frightening for military families, primarily if their loved one is assigned to a war zone or into other deadly settings. Throughout the period that an army person is serving, their family faces their own set of difficulties. Although relocation, deployments, and other parts of military life can be challenging, the perks granted to family members are designed to simplify life for the military soldiers and their families. Most of the benefits are offered by the federal government for family members. Still, some private organizations also offer these benefits to acknowledge the effort of being a member of a military family.
1. They Acquire Education Benefits
Military spouses and families can get educational and employment assistance through the Military spouse and family academic support programs. Their spouses may be eligible for up to $4000 in training funds, or the program can assist them with the expense of a degree program in a transferable profession. Furthermore, military individuals can extend their GI Bill credits to their dependents or spouses. Additionally, they are also offered scholarships from a variety of scholarship organizations. Although not encouraged by the department of defense, these programs can assist military families with college tuition and other educational costs.
2. Affordable Life Insurance
Every service member receives an insurance policy as part of their wages and benefits package. In case of a casualty while on active duty, these policies assist family members. They can also acquire life insurance through the Family Servicemembers’ Group Life Insurance. Military soldiers’ spouses may be eligible for up to $100,000 life insurance, and dependents can get up to $10,000. However, there are restrictions based on age. In addition, military members in battle have their SGLI automatically increased to the total coverage rate of $400,000 regardless of the circumstances. After leaving the service, veterans can move their SGLI to a civilian program that offers lifetime coverage through Veterans’ Group Life Insurance.
3. A No Down Payment Mortgage
The Department of Veteran Affairs assists military members and their families with problems affording their mortgage through special repayments plans, loan modification, and loan forbearance programs. Other perks are offered to homeless veterans or service members who have taken out VA loans. Also, veteran and military members are not only eligible for VA loans, which typically need down payment, but the VA also maintains a database of all the VA homes for sale so that you have a wider range of options to choose from. The service members also enjoy a tax-free housing allowance, covering full or half of your mortgage payment or monthly rent.
4. Medical Coverage
All close military relatives have access to the military’s exceptional healthcare: Tricare Extra, Tricare Standard, or Tricare Prime options for family members. Military families can obtain treatment at Military Treatment Facilities MTF or pay a nominal fee for services provided by Primary Care Managers, and nightly hospital stays through Tricare Prime. Tricare Standard requires military families to pay an annual deductible and 20% of all medical care costs for the whole year. Also, family members can choose from a wide range of authorized providers using Tricare Standard rather than seeking care at a military treatment facility. Tricare extra covers most of the same conditions as ordinary Tricare, but the government cover 85% of the costs. Regardless of which Tricare option is selected, military members can obtain dental and optical benefits at an additional fee.
5. Deceased Benefits and Military Discounts
Military members or veterans who die in the line of work are eligible for free burial in any national cemetery with adequate space and a gratis headstone or grave monument from the VA. To help alleviate these costs, families are also eligible for funeral benefits. In addition, they can also have a US flag placed over the casket, and a Presidential Memorial Certificate presented to them in honor of their loved one’s service. Military members and their families are also eligible for special discounts and benefits from several private organizations. Some organizations offer these discounts regularly or on certain days. Therefore, military families should inquire about military discounts before receiving professional services, dining out, or shopping.
Additionally, the VA’s Aid and Attendance offers help to families caring for a disabled or elderly veteran since it can be very costly. It assists with the costs of assisted living programs, nursing homes, and other long-term care options.