Benefits Of Marrying In The Military
Military couples face unique challenges, but marriage unlocks a cascade of benefits designed to support their sacrifices. From housing allowances to healthcare, understanding these advantages is crucial for service members contemplating this life-altering decision.
This article breaks down the key financial, practical, and personal benefits of marrying into the military, providing crucial information for those navigating this complex decision.
Financial Advantages: A Safety Net for Military Families
Basic Allowance for Housing (BAH)
Married service members receive BAH at the "with dependents" rate, often substantially higher than the "without dependents" rate. This extra allowance can significantly ease housing costs, allowing couples to live off-base or in more desirable locations.
BAH rates are determined by rank, location, and dependency status, and can vary wildly. According to the Defense Travel Management Office, BAH aims to cover 95% of average rental housing costs in a given area.
Increased Basic Pay and Other Allowances
Marriage can lead to incremental increases in basic pay and eligibility for other allowances. This provides a small but reliable boost to the service member's income, contributing to greater financial stability.
Tax Advantages
Military families may be eligible for specific tax breaks and deductions. Consulting a tax professional familiar with military benefits is crucial to maximizing these advantages.
Healthcare and Insurance: Comprehensive Coverage
TRICARE Coverage for Dependents
Spouses of service members are eligible for TRICARE, the military's healthcare program. This offers comprehensive medical, dental, and vision coverage at low or no cost.
TRICARE plans vary, with options including TRICARE Prime, TRICARE Select, and TRICARE Reserve Select. Choosing the right plan depends on the family's needs and location.
Life Insurance Benefits
Service members can elect to add their spouse as a beneficiary to their Servicemembers' Group Life Insurance (SGLI). This provides a crucial financial safety net in the event of the service member's death.
Practical Benefits: Support and Resources
Family Support Programs
Military installations offer a wealth of family support programs. These include counseling services, childcare assistance, financial planning resources, and employment assistance for spouses.
These programs are designed to mitigate the stresses of military life. They address issues such as deployments, frequent moves, and reintegration after combat.
Relocation Assistance
Military families are entitled to relocation assistance when the service member receives a Permanent Change of Station (PCS) order. This includes financial assistance for moving expenses and support in finding housing in the new location.
Access to Base Facilities
Spouses gain access to on-base facilities, including commissaries, exchanges, and recreational areas. This can provide significant savings on groceries, goods, and entertainment.
Potential Challenges and Considerations
While marriage offers numerous benefits, it's crucial to acknowledge the challenges. Deployments, frequent moves, and the stress of military life can strain relationships.
Open communication, mutual support, and seeking professional help when needed are vital for a successful military marriage. Premarital counseling offered through military channels can be especially beneficial.
Next Steps: Informed Decision-Making
Service members considering marriage should thoroughly research all available benefits and resources. Consult with a financial advisor, legal counsel, and family support personnel to make an informed decision.
The decision to marry is a significant one, especially within the military context. Understanding the benefits and challenges is essential for building a strong and resilient military family.
For more detailed information, visit the official websites of the Department of Defense and military branches, such as Military OneSource. Utilize the resources available to navigate this crucial decision with confidence.
