Military Life News

Military Life News, Commissary Rewards and Military Discounts

Is Congress Being a Bully to Military Families?

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Sometimes I feel like Congress is the bully on the school playground. They make all the rules and tell everyone how to play the game they want to play. They give out great toys, our military benefits, but they constantly taunt us saying they’ll take them away.

Military families want Congress to play fair.

When they promise us something, we expect them to live up to it.

Is Congress Being a Bully to Military Families?

What do you think? Is Congress being a bully to military families?

Every year Congress looks at military spending. They question how to save the government money. Military benefits are put on the chopping block every time. Think about the benefits you or your service member were promised when enlisting.

Are you getting everything you were promised? Probably not.

I’ve been part of the military community my entire life. My parents were both in the Army and my husband is in the Navy. I have seen firsthand how Congress plays. I read the transcripts from subcommittees that debate changes to military benefits.

I pay close attention to the wording of bills I follow to see how they progress through the Senate and the House. Not many people do, which is why I enjoy writing about what Congress is doing in regards to changes that affect military families.

I want you to know what is going on so you aren’t blindsided.

So many changes have occurred recently. Have you kept up with what Congress is doing or have you been thrown a curve when you’ve needed a benefit?

Tricare had significant changes start on January 1, 2018, for example. Did you know that while Tricare Prime remained the same, Tricare Standard and Tricare Extra merged to become Tricare Select? A significant part of the change is that beneficiaries will no longer be able to switch between Tricare plans at any time. There will now be an open enrollment window. Life events will continue to enable you to switch however.

I’m sure you know that we got a pay raise this year. That’s one thing military families keep track of. There are some important things to consider though. Congress isn’t necessarily giving away extra money without caveats. You might want to read up on BAH rates for locations you are considering for your next PCS. Rates have gone up, slightly, in some locations and down in others.

Did you know that Congress wants military families to start covering 5% of BAH starting as early as next year?

Military retirement changed on January 1 as well. Congress made the most significant change to military retirement pensions in 70 years. The old plan, known as the legacy retirement system, stayed the same. A new retirement program known as the blended retirement system allows incoming service members to basically set aside money that is matched by the government up to a point. They will no longer be required to stay in the set 20 years to earn a retirement benefit.

The post-9/11 GI Bill also changed. Previously there was a 15-year cutoff date to use or lose the benefit after a service member left the military, if they left after 2013. That was eliminated. Reservists will now see their benefits increased. Surviving dependents and Purple Heart recipients get better benefits as well. A great thing is that those who attended a college that closed in 2015 or later, who ended up losing their money, will now get a new allotment.

These are just a few of the changes Congress sent our way already this year. It’s great that those entering the military will have some improvements to benefits such as the retirement plan and the post-9/11 GI Bill. Those that have been in for a while are excluded from many benefit improvements coming though. Tricare is a major benefit that many people joined the military for. That’s taking a big hit. Copays for medication increased. The dental plan changed, and not for the better, not to long ago. The commissary has changed so that prices fluctuate with the area.

In some ways it’s like Congress is making friends with the new kids and bullying their other classmates on the playground. The bully didn’t play favorites during the recent government shutdown though. Congress mandated that service members continue to work, even if they weren’t going to get paid. And our representatives didn’t lose money or sleep over this decision.

What do you think? Is Congress being a bully to military families?

Be Amazed at a Military Air Show

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Have you been to a military air show? The Navy’s Blue Angels and Air Force Thunderbirds both put on a great show for families all over the country.

They recently released their 2018 and 2019 schedules. If you haven’t been to a military air show, make plans to attend one this year. If you have been to one of these exciting military air shows, share this information with friends so that they may experience the fun too.

The Blue Angels are the U.S. Navy Flight Demonstration Squadron. Surprisingly, they have been around since 1946. You don’t want to miss their amazing military air show. They are scheduled for 59 demonstrations in 31 locations this year and 61 demonstrations in 32 locations next year. With this many military air shows scheduled, you are sure to find one near you. Their schedule is available by clicking here.

What can you expect from a Blue Angels’ air show?

It’s a great family event to go to. This year marks the 72nd year of the Navy’s Blue Angels and they are sure to put on a good show. It is such a popular event that over the years they have performed for close to 500 million spectators.

At the military air show, you will not only see a dazzling performance of flight maneuvers, but you will also have a chance to see the planes up-close. You might even be able to meet some of the pilots and ask them questions. Here are 60 questions answered on their website. You might find your answer there, but you’ll still want to meet one of the pilots. They’ll have great stories because they love talking about their experiences.

Be Amazed at a Military Air Show

The Air Force’s demonstration team will celebrate 65 years of showcasing the latest advancement in aircraft this May.

What can you expect from a Thunderbirds’ air show?

Another great military air show not to miss is the Air Force Air Demonstration Squadron, also known as the Thunderbirds. If you don’t live near a location that the Blue Angels will be performing, review the show schedule here for the Air Force Thunderbirds. This is another fun military air show that your family will love.

The show is an hour long and packed with exciting aerial maneuvers. It all begins with a drill type ground ceremony before the planes take flight. Once in the air you will see tight formations with only a few feet between the planes. You’ll witness precise techniques used by the solo performances. This really is a show not to be missed.

Both the Thunderbirds and Blue Angels have long and rich histories. Attending one of their military air shows is a great opportunity to learn about how they were started and how aviation has changed over the years. The Air Force’s demonstration team will celebrate 65 years of showcasing the latest advancement in aircraft this May.

When the Air Force’s official air demonstration team was founded in 1953, the Air Force had been its separate service for only 6 years. There were only 7 officers and 22 enlisted as part of the team. Their show was only 15 minutes as well.

Since then 325 officers have been part of the team over the years.

The military air shows have been great recruitment tools for the Air Force. The Navy uses the Blue Angels military air shows for recruitment as well. The current commanding officer hopes that those that witness the precision and dedication of the team will be inspired to “strive for greatness and follow their dreams.” Both the Air Force and Navy have been successful in these endeavors.

Have you attended a military air show in the past? What was your favorite part of it?

 

Military Discounts to Use When Visiting State Parks

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When most of us think about the great outdoors, we immediately think of camping, hiking, hunting and maybe even whitewater rafting.

One of the best places to do all of these great outdoorsy things is at national parks, but what if you don’t want to trek all the way to a national park? While places like the Grand Canyon and Yellowstone are worth the hike, chances are you don’t have to take a road trip to explore all of the wonders that mother nature has to offer.

Your next great camping trip might just be up the road at any one of the more than 10,000 state parks.

Every state in the union, from Florida to Alaska and Maine to Hawaii has their fair share of gorgeous state parks. Encompassing more than 18 million acres, state parks have something to offer everyone. Whether you’re a ski fanatic, a hobby fisherman or just want to find a quiet place to commune with nature, chances there’s a state park that offers the perfect day off.

And many state parks offer military and veteran discounts.

Most state parks offer day and annual passes, as well as licenses for fishing, hunting and boating. Some require special passes depending on the activities you plan on engaging in at the park (i.e., primitive camping or RV stays).

And almost every park we researched offered a free annual pass for wounded warrior residents of the state, though the percentage of disability required for the annual pass varied by state.

Military Discounts to Use When Visiting State Parks

Did you know that West Virginia state parks offer a 10% military discount? Plan your next hiking adventure at Blackwater Falls State Park in West Virginia.

For the rest of us, active duty and veterans, the military discounts vary by state and often are offered at each individual park and for limited time periods or only to residents of that state. When in doubt, contact the individual park.

Here are 4 states we found that offer discounts at their state parks:

Georgia State Parks

Georgia offers dozens of state parks, including Fort Yargo, with its 260-acre lake, multiple RV sites and even lakefront yurts for a little weekend glamping. Active duty and retired military — who are Georgia residents — are entitled to a 25% discount on the daily or annual parks pass. A current military or retiree ID must be shown at time of purchase.

Florida State Parks

With over 150 state parks to choose from, if you crave the sun, you’ll find it here. Florida’s state parks include miles of beaches and all kinds of interesting trails including the Tallahassee-St. Marks Historic Railroad trail, with options for hiking, biking and even horseback riding. Active duty military, National Guard and reservists and retirees can received a 25% discount on all Florida state park entrance fees.

However the passes cannot be purchased online.

Maryland State Parks

Maryland culture has long revolved around the water. Dozens of Maryland state parks offer the chance to experience a landscape rich with marine wildlife and ocean views, including Janes Island State Park where visitors can fish and crab to their heart’s content. With a valid military ID all Maryland state park daily fees are waived. Find out more about this park and many others at Maryland.gov.

West Virginia State Parks

With over 50 state parks, West Virginia is a camping and hunting enthusiast paradise. Included in its many offerings is Seneca State Forest, home to rivers, lakes, miles of trails and its famous 65-foot fire tower that offers an incredible bird’s-eye view of the lush forest and woodland.

Best of all, all West Virginia state parks and services offer active duty and veteran personnel a 10% discount.

Looking for another state or a specific state park? Find links to it all by visiting www.stateparks.org.

Have you sign up for Military Shoppers Travel and Rewards community? It’s a free way to save money on your next family vacation.

10 Ways Busy Military Families Can Eat Healthy Meals Together

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January is a great time to revamp your family meals.

Military families are often very busy and eating healthy meals together should be one thing we all fit in time for.

Many people have New Year’s resolutions to be healthier. I’m one of those and you probably are as well. Being healthy starts in the kitchen with good food to fuel your body. Here are 10 tips to help your busy family eat healthy meals together.

10 Ways Busy Military Families Can Eat Healthy Meals Together

Plan your meals for the week. Consider what activities your family has going on during the week so you know how much time you have to cook and eat a healthy meal.

Buy fresh ingredients. Try to do your grocery shopping along the outer rim of the commissary where all the fresh ingredients are. Stay away from sugary, high sodium and high fat products masked by clever marketing on boxed goods in the center aisles.

Try a home delivery service such as Blue Apron or have your groceries delivered to your home from your local grocery store. There will be periods where you don’t have time to run to the commissary. There will be moments where you run out of ideas of what to cook. In these instances, a home delivery service can be a great option for healthy meals that you can make at home.

10 Ways Busy Military Families Can Eat Healthy Meals Together

Making healthy meals for your military family starts in your kitchen.

Cook together. This is especially important for children. Research has shown that children eat healthier when they are part of the cooking process. They are also more likely to try new things and they build confidence in the kitchen while learning new skills.

Use your Crockpot or Instapot. Both of these are game changers for busy military families. You don’t always have time to cook healthy meals on busy nights. This is when planning ahead comes into play. When your family has a lot going on, a Crockpot or Instapot dinner can save the day and your sanity.

Shake things up. Eat on the patio if it’s a nice night. Make a picnic in the living room one afternoon. Pack a lunch and go to the park.

Make time to eat healthy meals together. You might all have different activities going on, but you still have to eat. Try to schedule dinner at a time that everyone can be together. This might mean that on one day you eat at 4 p.m. and on another you don’t eat until 7 p.m. Many families do that.

It’s eating together that is important, not the time that you eat dinner.

Dinner time is a special time where family members get to catch up on each other’s day.

Try new things. We all get into the rut of making the same things over and over again. I have an entire bookshelf of cookbooks but find myself making the same recipes. Recently I’ve started watching cooking videos on Facebook as well as looking up recipes on Pinterest. Pick up a new cookbook, ask friends for recipes or look up new meal ideas online.

Do a recipe swap with friends. This goes along with trying new things. I’ve been in groups that have made cookbooks. See if one of the clubs your child is in has made one. Talk to your friends or coworkers and see if they would like to swap healthy recipes. You can make your own file or download a recipe app for your phone.

Commit to eating healthy meals. All of the tips above mean nothing if you don’t actually follow through. Sure it’s OK to go out to eat every now and again or to have a night you order pizza in. Don’t let that turn into a habit. Remember your New Year’s resolution to eat healthy meals and to be a healthier person.

Tired of the same boring meals? Browse MilitaryShoppers’ recipe database for fresh ideas for your meals this month.

What I Wish I’d Known Before Becoming a Military Spouse

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I’ve heard it, have you?

“You knew what you were getting into.”

It’s often delivered by a more seasoned spouse when another person appears to be complaining about military life. Other times we hear this from well-meaning members of the civilian population. Either way, I most certainly did not fully grasp what I was getting into when I married my military husband. I’m betting you didn’t know either.

What I Wish I'd Known Before Becoming a Military Spouse

What do you wish you had known before you became a military spouse?

What I Wish I’d Known Before Becoming a Military Spouse

How to Move Homes

Before that first PCS, the biggest “move” of my life was for a one-semester study abroad in, wait for it, Canada. I’m from New England. It was like moving next door.

As I dove into the military spouse world, I quickly realized I was in over my head. Everyone else had binders and plans and apps and lists of serial numbers (with photos attached).

I had, well, nothing.

Over time, I’ve picked up a few tricks. I wash and then bag clothes, bed linens and towels. Food and water are supplied for the packers and movers, but I watch them like a hawk too. I always leave some extra toilet paper in the bathroom along with some room spray.

All the Acronyms

I’m a teacher. We use acronyms for everything. I thought I was prepared…until the military came to town. At first, my eyes glazed over and my mouth went slack, complete with a strand of drool. Every other “word” out of my husband’s mouth seemed to be a random string of letters.

Luckily, I found a few great military spouse guidebooks that really explained some of these acronyms to me. The rest? I either asked my spouse, turned to a friend or Googled it. I’m still figuring some acronyms out.

Legal Eagle

Military life goes hand in hand with lawyers, it seems. I knew that real adults needed things, like wills and stuff. I just wasn’t prepared to dive in right away.

Nope, the military had other ideas! I quickly learned what a POA was, and that I would need several different versions to actually run my life during deployment. I also learned about wills, DNRs, insurance policies and SCRA. I wish that someone had sat me down during pre-military marriage counseling for the lawyer talk.

How to Pick a Rental Property

I’m a decade into this ride and I still feel like I’m winging this one for the most part. Luckily, my father-in-law is super handy at home and taught my husband well. But I don’t know that I would know what to look for that indicates a terrible home.

The first time around? Our off-base rental had rats. Another home (or two) had funky windows and an old heating system. Our current on-base home was assigned without other options, but it’s got a few geckos. Yes, you read that right.

I would still love a comprehensive checklist with what to look for in a rental property. If you’ve got this, please hit me up!

Ask for Help

Before 2008, I mostly flew solo. I felt competent and confident about everything, from school to love to housing. And then I got married and he left for a long time.

I needed help, but I wasn’t sure how to ask for it. I’d never needed anything more serious than a recommendation letter or a little string pulled.

Now, I needed help moving into our house, finding friends, figuring out finances and navigating a new location. It was a lot.

Luckily, I ended up in base housing (after the rat situation). I was surrounded by other brand new spouses plus a few experienced friends. With a little help, I figured it all out, mostly. Now I can share a little of my wisdom with other spouses.

Your Heart Breaks

To prepare myself for military life, I watched military classics. Namely: “Top Gun” and “An Officer and A Gentleman.” I was prepared for the romance, the mystery.

What I wasn’t prepared for? The moment that bus pulls out for 9 to 12 months. No one told me how much it would physically hurt to be away from my spouse.

They also didn’t prepare me for the other goodbyes that were coming. Every few years, deployment or not, my heart breaks again when we move. I’ve stood in more parking lots than I care to think about, tears streaming down my face. Saying “farewell,” even “see you later,” to dear friends is heart-wrenching.

The Best People

Unless you live in this community, you don’t truly get it. I’ve never met a more diverse group of individuals. The military welcomes everyone. It could be terrible. There are a lot of opposing viewpoints and beliefs here that have the potential to erupt.

Instead, everyone seems to have adopted the idea that we are in this together. No one hesitates to offer help to another family in need. I’ve had almost complete strangers step up when I was too sick to be around my child. Other friends save coupons for me to use while we’re OCONUS. We share rental recommendations, school information and the lowdown on making the best of a bad situation.

Some of my absolute best friends, the gals who are in my life forever, are military spouses.

I wish someone had told me how amazing this community is before I stepped into this life. The people we’ve met along the way have made all the difference for us.

What do you wish you had known before you became a military spouse? Tell us in the comments!

Will Tricare’s Changes Impact Military Retirees?

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By now the cat is out of the bag and you’ve probably heard and maybe even read about all of the changes to Tricare coverage for active duty personnel starting in 2018.

But what about the changes to plans offered to military retirees?

Much like the changes for Tricare Prime and Tricare Select (formerly known as Tricare Standard and Tricare Extra), the changes depend on the plan you use.

Yes, there are changes and increases to fees, and yes, there are also some increases in coverage for certain types of care.

The good news is that 2018 will be a transition year for the permanent changes and just as in years past, retirees will be able to switch plans as they wish. However, starting in 2018 for coverage beginning in 2019, Tricare for Retirees and Tricare for Life will see enrollment periods opening once per year and any changes to plan enrollment will need to take place during the open-enrollment period from the middle of November to the middle of December.

Will Tricare's Changes Impact Military Retirees?

Will you be impacted by Tricare changes this year? What’s changing for your health insurance plan?

Changes in Prescription Fees

All beneficiaries will see a change in prescription fees starting in February 2018. A 30-day supply of name brand drugs will run retirees $28, while generics will cost $11. Ninety-day supplies via home delivery will be $24 for name brand and $7 for generics. There will continue to be no co-pay for prescriptions filled at military treatment facilities for eligible plans. Non-formulary co-pays will be $53 for both 30-day retail in-network filled and home delivery.

Changes to the Retiree Dental Plan

The current Retiree Dental Plan will be retired in December 2018. The plan will be replaced with the same plan currently offered to federal employees and more information about the plan and any additional changes will be put out later this year.

Changes to Tricare Retirees – Select

All retirees using Tricare were notified late last year about the enrollment requirement. Enrollment is required in order to continue care. Current Tricare Retirees-Standard (now called Select) will see out-of-network fees charged for any care received without enrollment, so if you use this plan and haven’t already enrolled, take the time to do so. It will save you money if you end up needing care this year.

In addition, Tricare Retirees-Select will continue to see no enrollment fees until 2021. After that an annual enrollment fee will be charged, similar to the Tricare Retirees-Prime fees already in place. These annual enrollment fees will be due in January 2021.

Medical retirees and survivors of service members killed in action using Tricare Retirees-Select however, will be exempt from the fee.

Other changes include upping the the catastrophic cap for retirees using the Standard plan staring in 2021 from the current $3,000 to $3,500.

For Select users starting in January 2018, in-network primary care visits will cost $35 and in-network specialty care will cost $45 per visit. In-network emergency room visits will run $116 per visit and urgent care $35 per visit.

Changes to Tricare Retirees – Prime

Tricare Retirees-Prime will continue to see much of the same coverage currently offered. Annual enrollment rates will see annual increases equal to COLA rates. Enrollment dates and fees will move from October to January starting in 2018.

For any point-of-service visits outside of a military treatment facility, retirees using Prime will pay $20 for in-network primary care and $30 for in-network specialty care. In-network emergency room visits will cost $60 and urgent care, $30.

Changes to Tricare for Life

Retirees using Tricare for Life will see almost no changes to their current coverage. The current $150 (single rate) and $300 (family rate) will remain the same for costs not picked up by Medicare.

Additionally, the catastrophic cap will remain the same. The only change Tricare for Life users will see is a change in the reset date for deductibles and cap. Instead of October, the plan will reset in January just like all of the other Tricare plans starting in 2018.

Tricare has done a pretty decent job of notifying its beneficiaries of the changes and more information about changes to specific plans can be found on their website.

Now that you know how military retirees will be impacted by major changes from Tricare, what other questions do you have?

5 Breastfeeding Tips for New Moms

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Breastfeeding is hard. For some reason, people don’t tell you that while you’re pregnant. You see ads in magazines of glowing new moms blissfully nursing their babies and think “oh, this will be easy.”

5 Breastfeeding Tips for New Moms

Breast pumps are now 100% covered under Tricare. All you need is a prescription from your doctor.

For most moms, it isn’t that simple. Some women luck out and have babies that are great at latching. They have a steady milk supply and don’t run in to any nursing-related medical problems.

For the rest of us, nursing takes practice and a whole lot of patience. Here are 5 tips for moms that plan to breastfeed their babies.

5 Breastfeeding Tips for New Moms

Learn about Breastfeeding

This sounds funny to say, but breastfeeding isn’t as simple as it sounds. A lot of women give up breastfeeding because they thought it would be easy to do but then discovered that it wasn’t.

I recently had our second child, a baby girl. I watched videos online about how to breastfeed over and over again when she wasn’t latching properly. I nursed our first child so you would think doing it again would be easy, but no 2 babies are alike.

You can learn about breastfeeding through books such as “What to Expect When You’re Expecting,” by watching videos online, by taking a baby education class or by attending a breastfeeding support group. Talking to friends that have breastfed their babies can be really helpful as well.

Prep for Breastfeeding

Once you’ve decided that you’re going to breastfeed your baby, you’ll want to prep for it while you are pregnant. There are a few things to consider.

  • Will you exclusively breastfeed or will you also pump?
  • Will you be breastfeeding in public?

These questions are to determine what items you will need to acquire. If you plan to pump, then you’ll need to get a pump, milk storage bags, bottles and cleaning supplies.

If you are going to nurse in public, then you might want to consider how comfortable you will feel. Some people are perfectly confident nursing in public and some are not. Either way, your wardrobe will probably change. You will want nursing bras and nursing tank tops as well as nursing friendly tops. Some women like to have a type of cover to place over the baby for more privacy as well.

Get a Free Pump

Even if you aren’t sure you want to pump, get a pump anyway. A wonderful benefit of Tricare is that breast pumps are 100% covered and you can get a new one with each child you have. It’s simple to do as well.

All you need is a prescription from your doctor.

You do not have to buy your pump at a specific place. There are numerous stores, home health supply companies and online retailers that will give you a no-cost pump with your prescription. Many now offer free accessories.

Look around for the best deal and see what you can get. Once you have your pump, take it out of the box and read the directions before the baby comes.

5 Breastfeeding Tips for New Moms

This is a picture of the pump I ordered along with all the free accessories that came with it.

Don’t Get Overwhelmed

When the baby arrives, don’t let yourself get overwhelmed with breastfeeding. It’s natural to worry if your baby is getting enough milk and if you’re doing it right. A lactation nurse should visit you in the hospital to help you get started.

Once you’re home things might go well for a period of time and then all of a sudden change. Don’t panic.

Tricare covers lactation consultations. You can get help. You can also join a lactation support group. I joined the one at our hospital. It’s a great way to meet other moms as well.

Enjoy the Experience

Breastfeeding should be comfortable, not painful. You should feel happy in the bond that you’ve created with your baby. Breastfeeding is a unique experience and once you’ve mastered it, you will be able to enjoy it.

There will be times that you want to cry or curse but there will be plenty more times that you look down at your baby and smile just like the women in magazines.

What tips do you have for new moms who are breastfeeding their babies? Share them in the comments section.

 

The New Blended Retirement System and What It Means for Your Service Member

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The new blended retirement system for service members went into effect on January 1, 2018. The blended retirement system takes the previous retirement program, known as the legacy retirement system and builds upon it.

Not all service members are eligible to participate in the new program and there are many factors to consider when deciding to switch.

Here are the key points of the blended retirement system to help you understand the new program.

What are the 2 retirement systems for service members?

Under the legacy retirement system, a service member is required to serve a minimum of 20 years to receive retirement pay. If they get out before then, they received nothing toward retirement. The military has realized that not many service members stay until the 20 year mark.

The new blended retirement system was created to allow all service members to leave with something toward retirement even if they do not stay in the service for a long period of time.

The new program blends the legacy retirement pension with a defined contribution that goes toward a service member’s Thrift Savings Plan (TSP). This is basically like combining the pension plan with a 401(k) type plan. The longer a service member stays in, the higher their pension will be. The blended retirement system also takes into account inflation and adjusts based on the annual cost of living adjustment.

The New Blended Retirement System and What It Means for Your Service Member

The new blended retirement system was created to allow all service members to leave with money toward retirement even if they do not stay in the service for 20 years.

Who is eligible?

Anyone entering the military from January 1, 2018, on will be automatically entered into the blended retirement system. All service members that are active as of December 31, 2017, are already in the legacy program and will remain in it. They will not be automatically switched to the new blended retirement system.

Service members with less than 12 years as well as Reserve with less than 4,320 retirement points as of December 31, 2017, have the option to switch to the blended retirement system. These service members have all of 2018 to make the decision to switch, but once the decision is made, it cannot be changed.

Those that do change to the blended retirement system will be required to take a mandatory opt-in course through Joint Knowledge Online or through Military OneSource.

Who is not eligible?

All service members with 12 years or more in service prior to December 31, 2017, are grandfathered into the legacy retirement system and remain in it. There is nothing in their retirement plan that will change. If you are in this category and would like to review the legacy system, you can see that here.

What are some benefits of the blended retirement system?

Should you opt into the new blended retirement system or stay with the legacy retirement? This mostly depends on how long you plan on staying in the military.

If you serve less than 20 years and are on the legacy system, then you won’t get a monthly annuity or government contributions to your TSP account when you get out. If you switch to the blended retirement system, then you will have money toward retirement.

Here are a few benefits to consider in the new program.

Contributions

Under the blended retirement system, the government will automatically contribute 1% to your retirement. Additionally, you can receive up to 4% in service matching contributions if you elect to put more toward your retirement. Automatic and matching contributions will end at 26 years of service.

New service members are not eligible for the up to 4% match until the start of the 25th month of service. They will however get the automatic 1% contribution after being enrolled for 60 days.

Portability

When you leave the service, you can have your TSP transferred to an IRA or to an eligible employer’s 401(k).

Bonus Pay

Service members can receive a one-time bonus pay by agreeing to serve more time. This is known as continuation pay and is payable between performing 8 and 12 years of service. The bonus pay could be between 2.5 and 13 times your regular pay based on the service-specific retention needs. If this bonus pay puts you in a higher tax bracket, you can opt to receive your bonus in 4 equal payments over 4 years instead.

Lump Sum

When you retire, you’ll have the option to take your retirement payment as a lump sum. That sum would be a discounted portion of the retirement pay however. You can choose to take 25% or 50% as a lump sum.

If you do not choose to do a lump sum, then you will receive your retirement check monthly.

As you can see, the new program has many benefits.

What questions do you have about the new blended retirement system?

2018 Brings Pay and BAH Increases…Or Does It?

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It’s the new year and along with resolutions, new tax regulations and the Winter Olympics, we also have the annual military pay increase.

2018 Brings Pay and BAH Increases...Or Does It?

For active duty, the 2.4% pay increase will be the largest pay raise since 2010. But is it enough?

In years past the raise has been a little lackluster, but this year most folks are pretty happy with the pay increase. How much are we going to see? For active duty, the 2.4% pay increase will be the largest pay raise since 2010. For my spouse, that means a monthly increase of just under $100 a month. Not too shabby, maybe we can finally institute a monthly date night.

For retirees, the annual cost of living adjustment (COLA) pay increase will be 2%, a definite increase over years past.

To see how much the pay increase for active duty personnel will benefit your household, check out the 2018 Military Pay Rates chart here. Retirees and disabled veterans can find more information about the new COLA rate by clicking here.

In addition to all the stir about the pay increase, you might also have heard that BAH rates are ticking up slightly. And by slightly, I mean just barely at 0.7% on average, but an increase is an increase, I suppose.

The average service member will see less than a $20 increase in their BAH rates, but over the course of the year, an extra $240 can come in handy. If you’re like me, that’s my budget to replant my vegetable garden and buy a new watering can.

Keep in mind that the uptick in BAH is not a blanket increase. Some places will see as much as 10% to 15% (Beale AFB, Mountain Home AFB and Fort Wayne), while other places like Fort Riley, Camp Lejeune and Pensacola will see BAH drop as much as 5% or more.

Don’t worry if you already live in one of the areas that will see a decrease. Current regulations prevent BAH dropping for personnel already stationed at a particular location. Only incoming personnel will be affected by the drop.

That being said, make sure you do your research if a PCS is in your future.

One thing many folks may not be aware of, however, is the current BAH dampening plan to push 5% of housing cost responsibilities back to service members by 2019.

Even with the increases offered to many this year, service members will see the increase in their BAH not stretching as far as it did in years past. The published 2018 BAH rates will only cover 96% of the average housing costs, with an additional 1% reduction expected next year. The thought is that this plan will free up some much-needed funds in the defense budget.

I’m not sure how I feel about this idea. In part this feels like another inch in the steady erosion of military pay and benefits. In many specialty job positions, services are struggling to retain qualified military personnel who reap the benefits of training while in service only to be romanced away by the large salary and benefit offers coming from civilian employers.

I understand the money has to come from somewhere, but in my experience, BAH has frequently not kept up with growing housing costs and given that service members have no say in the duty stations they are assigned to, reduction in the BAH benefits will make PCSing to some duty stations that much harder.

In places like Virginia Beach, San Diego and Washington, D.C., where the cost of living is already 15% to 40% higher than the national average, even a 5% reduction in benefits will hit service members’ wallets hard.

And it doesn’t exactly scream “stay in” when it comes time to consider re-enlistment.

When you consider this pay increase – that’s not really an increase – along with some of the jumps in medical costs put out by Tricare for 2018, the benefits so many service members expected as part of their pay is slowly but surely being whittled away.

Don’t get me wrong, I’m certainly not going to turn down a pay increase, but it’s important that we remain aware of what those increases actually mean. And when you consider that the call to serve is answered by so few, I have a hard time understanding why pay and benefits seem to be on the steady decline.

What do you think of this year’s pay increase for service members?

Please Don’t Ask Me That!

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Without fail, at social gatherings or online, it will happen. Someone will ask a question and my face will kind of freeze into an awkward mask. It’s somewhere between a cringe, a fake smile and an eye roll.

I don’t mean to do that. It’s just, well, some questions are awkward and strange.

Please Don’t Ask Me That: The Strangest Questions I’ve Been Asked As a Military Spouse

(Full disclosure: I haven’t personally been asked all of these questions, but I’ve had friends who have been or have heard the rumors about certain questions in my decade as a military spouse.)

Can you make sure your next move will take you to (location near family)?

If we actually got to pick where we moved, I would be picking Hawaii or San Diego. Maybe somewhere in Europe or a tropical island, like Jamaica.

Unfortunately, we just get told where to go. Even when submitting a “wishlist” of next duty stations is possible, the chances of getting your top choice is laughable.

Will you be going to visit your spouse in (location near the front lines)?

I’ve heard that Afghanistan has some lovely hiking in the Hindu Kush. I, unfortunately, do not plan on visiting my combat deployed spouse while he is there. He’s mentioned something about rocket strikes and horrendous dust storms during the 5 static-filled minutes we talked via satellite phone 2 months ago.

(Spouse) is coming home soon! Will you be moving home?

I’m not sure you understand how this life works. It’s a job and we live where the job is. There is not a job in (hometown) for my spouse. So we’ll be staying at our current location until the military sends us somewhere else.

I’ve watched “Army Wives.” When are you going to become friends with the general’s wife?

Any question that tries to relate my military spouse life to the fun, but fictional, romp that is “Army Wives” will get extra eye rolls from me.

No, unless my spouse rises in the ranks to that level, Claudia Joy will never be my BFF. Instead, I’ll be socializing mainly with families in a similar status or rank to my own spouse. If I am invited to a social event with the higher-ups, it will be a more formal occasion. Pleasantries will be exchanged, but I probably won’t become besties with a general’s wife.

Please Don't Ask Me That: The Strangest Questions I've Been Asked As a Military Spouse

What’s the craziest thing that you’ve been asked as a military spouse or service member?

Why can’t I post the specific homecoming date and location or share exactly when and where my spouse will be deployed?

Let me explain it to you in 5 little letters: OPSEC. Operational Security. A handy way to remind yourself of this is “loose lips sink ships.” There are individuals online constantly looking for information about forward-deployed troops.

Posting information online or oversharing in any situation can cause these individuals to target units or locations for attacks. Sharing specific homecoming information can also invite these trolls to interrupt the safe return of troops.

Your best bet? If it doesn’t come from the public affairs officer or shop, don’t post it or share it.

I want to visit my spouse at their unaccompanied OCONUS duty station. Won’t the military pay for me to go there?

No. They won’t. Your spouse or significant other is unaccompanied and has a job to do overseas. They might get some time to head home mid-tour, but otherwise will be mainly at their OCONUS location.

If you want to visit, you’ll need to do it on your own dime. Or learn how to work the Space-A system.

My spouse is late coming home from work. Who should I call?

No one. Call no one. Calling the duty desk or his shop or his senior NCO or reporting officer is not a good idea. Instead, of just being late tonight, your spouse will be late every night for the foreseeable future. And they’ll enjoy endless teasing from everyone else in their shop forever.

Instead, proceed as usual at home and maybe set aside some dinner for reheating later.

You had a baby in Japan! Does he have dual citizenship?

OK, first: that would be super cool! Second: my baby is fully an American without any extra citizenships. The overseas bases have special privileges, which include making any children born there immediate American citizens.

Unfortunately, having a baby OCONUS does mean that registering the birth is a super long and pricier process than in the States.

He’s home (or leaving soon). Planning to get knocked up?

I mean, maybe? Anyone who has tried to conceive kind of knows that it is a crapshoot, at best. Honestly, my desire to have a baby and when and how is really none of  your business.

Your life seems so exciting! Can you give me your best tips so I can marry into the military too?

After I give you some fierce side-eye, I’ll calmly explain that this life was never my first plan. I fell in love with a guy who happened to be in the military. The end. I didn’t chase him down because of his dress blues or go out hunting for a dude with dog tags.

While there are awesome parts to military life, a lot of this is really hard. It’s not all fancy birthday balls and happy homecomings. This life is messy and hard and emotional and stressful.

But good luck with that!

What’s the craziest thing that you’ve been asked as a military spouse or service member? Post your funniest stories in the comments!