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This book is intended for reservists, National Guard members, and their families. It covers pay fundamentals, living allowances, basic military benefits, and special cases.
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Published by STACKPOLE BOOKS 5067 Ritter Road Mechanicsburg, PA 17055
All rights reserved, including the right to reproduce this book or portions thereof in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the publisher. All inquiries should be addressed to Stackpole Books, 5067 Ritter Road, Mechanicsburg, Pennsylvania 17055.
This book is not an official publication of the Department of Defense, nor does its publication in any way imply its endorsement by this agency.
Cover design by Wendy Reynolds
Printed in the United States of America
10 9 8 7 6 5 4 3 2 1
First Edition
Library of Congress Cataloging-in-Publication Data Budahn, P. J. (Phillip J.), 1949 Reservists' money guide / P. J. Budahn.1st ed. p. cm. Includes index. ISBN 0-8117-2917-6 1. United StatesArmed ForcesReservesPay, allowances, etc. 2. Consumer education. I. Title UC80.B84 1997 335.3'7'0973dc21 97-22437 CIP
Page v
CONTENTS
Preface
vii
Part I Pay Fundamentals
1 Basic Pay
3
2 Drill Pay
9
3 Basic Allowance for Quarters
21
4 Basic Allowance for Subsistence
30
5 Changes to Pay
39
6 Taxes
50
Part II Special Kinds of Pay
7 Enlisted Sign-up Bonuses
67
8 Hazardous Duty Pays
78
9 Special Skills Pays
90
10 Flight Pays
94
11 Navy Pays
102
12 Medical Pays
108
Part III Living Allowances
13 Overseas Pays
115
14 Housing Allowances
120
15 Moving Payments
125
16 Line-of-Duty Payments
136
Page vi
Part IV Basic Military Benefits
17 Health Care
145
18 Education Payments
153
19 Home Loans
160
20 Life Insurance
165
21 Reemployment Rights
171
Part V Special Times, Special Cases
22 Discharge Pays
181
23 Retired and Disability Pays
191
24 Spouses, Ex-Spouses, and Survivors
207
Index
221
Page vii
PREFACE
A funny thing happened to the U.S. military on the way to the postCold War drawdown. The armed forces ended up with more "weekend warriors" than full-time, active-duty people.
Always an important contributor to the nation's wartime force, the men and women of the reserves and National Guard are increasingly being called away from their homes and families to deal with global hot spots.
Reservist's Money Guide is designed to help them make sense of a bewildering array of programs, benefits, and payments that have a direct impact on their financial well-being.
The language is simple, jargon-free English. The organization is straightforward. Who gets what? Is it taxable? What are the typical glitches affecting eligibility? Can it be earned for weekend drill periods or two-week summer training camps?
Our focus is on the men and women of all of the reserve componentsArmy Reserves, Naval Reserves, Air Force Reserves, Marine Corp Reserves, Coast Guard Reserves, Army National Guard, and Air National Guardplus their families.
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