Military Life News

Military Life News, Commissary Rewards and Military Discounts

Do Military Retirees Qualify for Free TSA PreCheck?

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Have you heard of TSA PreCheck? This is a program that the Transportation Security Administration offers for a fee to allow expedited security clearance at airports around the country. Any U.S. citizen can apply for it and pay $85 for a 5-year program membership.

When applying for the TSA PreCheck program, applicants pay the $85 fee, fill out an application online and then have to travel to an enrollment center for an interview, background check and finger printing. It takes a lot of time to do all that, especially if you don’t live near one of their enrollment centers. TSA PreCheck can be worth the hassle if you fly often and want to avoid standing in long security lines.

All active duty service members are granted TSA PreCheck and don’t have to go through that process. In fact, all they need to do is enter their DoD ID number in the known traveler number (KTN) field and their boarding pass will have the TSA Pre✓® mark on it.

Retirees do not have this same benefit though.

Why are active duty service members granted TSA PreCheck but retirees are not?

Their fingerprints are already on file and background checks have been made for many. If a service member flies using their DoD ID number in March for example and then retires a month later, they lose their TSA PreCheck membership but nothing has happened to make the person less credible. Shouldn’t they be grandfathered in?

Does TSA consider a service member trustworthy while on active duty but not once they retire?

What could have changed that makes TSA no longer offer them the same free membership?

Of course TSA PreCheck is a privilege, not a right, but it’s hard to understand why TSA chooses to take away the benefit when the member retires.

Money is a reason that comes to mind. That $85 membership fee is only supposed to cover background checks and administrative costs though. The background checks are contracted out however. There are no discounts available for retirees or for anyone at all.

If TSA isn’t willing to give military retirees free membership, shouldn’t they consider providing a discount?

I’m not the first person to question this.

In 2016 Rep. Bill Pascrell of New Jersey urged TSA to lower the membership fee for all veterans if they weren’t willing to exempt them from it. TSA started the PreCheck program in October 2011. All of this time has gone by and still there is no answer.

Some veterans groups are asking TSA to “do the right thing.” These groups include: Wounded Warriors Family Support, the American Legion, Marine Corps League, Non Commissioned Officers Association, Retired Military Officers Association and Veterans of Foreign Wars. Hopefully together they will be able to influence TSA into providing some sort of exemption for retirees.

It seems like a lot of fuss over something small, but if you travel a lot being able to go past the long security lines can be extremely helpful. There are over 5 million members in this program and that says something about its usefulness.

It works too. In February 2018 93% of members said that they waited less than 5 minutes to get through security at the airport. That’s a lot of time and frustration saved.

Have you paid for TSA PreCheck? Why did you do it? Was it worth the money?

No Fanfare for 6 Female Expert Infantryman Badge Earners

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Six female soldiers recently stood among the few who earned the right to wear the Army’s Expert Infantryman Badge.

To earn the badge, they were required to pass a grueling multi-day challenge that tested their modern-day warfighter skills. That list of skills, 30 tasks deep, included passing an Army physical fitness test with a minimum of 80 percent in each category, multiple weapons lanes, day and night land navigation, as well as proficiency in several combat lifesaver skills, chemical decontamination, and an arduous 12-mile ruck march with a 40-pound pack.

The names and units of these female soldiers were not released, and like so many other noteworthy female pioneers, they quietly took their place in the trophy halls of American feminism.

The Expert Infantryman Badge challenge, attempted by hundreds of infantry soldiers each year, remains attainable by only a small percentage. Of the 1,007 who competed in November 2017, only 289 remained standing at the end.

That women could compete and subsequently earn and wear the badge has only recently become an option. We just passed the two-year mark on the history-changing decision to allow women to serve in infantry positions.

In May 2017, the first gender-integrated infantry basic training graduated 18 female soldiers. Those soldiers now serve in one of a number of infantry units across the Army.

And while there were 6 women who earned their Expert Infantryman badges at Fort Bragg last year, they are not the first women to have charged into this challenge and passed.

In 2011, Captain Michelle Roberts, a company commander in the 2nd Battalion, 60th Infantry Regiment earned the EIB, but because she did not have an infantry MOS, was not authorized to wear the badge.

Additionally, 2 female soldiers from the South Korean army passed the EIB challenge in 2014. And since the South Korean army has allowed women to serve in infantry positions since the 1990s, their achievement is proudly displayed on their uniforms.

No Fanfare for 6 Female Expert Infantryman Badge Earners

Why do you think there wasn’t any fanfare for these women who earned the Expert Infantryman Badge?

There wasn’t much fanfare in the announcement of these new awardees, which gave me pause to wonder why.

Was it because these 6 women feared the inevitable backlash that always seems to ensue when a woman manages to crash through a glass ceiling or wall that protects the mighty accomplishments previously achieved only by men?

Peruse any article touting female soldier accomplishments and the comments are a mix of cheering and ridicule, celebration and suspicion. Accusations of “lowered standards” permeate the rhetoric of those still convinced there is no room in today’s Army for female infantry soldiers.

A quick review of the latest guidance issued by the Army regarding the required standards for the Expert Infantryman Badge offers only one area in which there could be any perceived difference of standards and that’s the APFT.

Participants are required to pass their APFT with a minimum score of 80 in each of the 3 events – 2-mile run, sit ups, and push-ups. Current Army standards do present a difference in the number of sit ups and push-ups, and the time requirements based on gender. However, there is not one standard for males, either, as the APFT also makes allowances for age.

Perhaps it was the choice of these new female EIB awardees to avoid the PR and countless media interviews.

Maybe they are part of the significant number of female service members who are tired of standing out simply because of their gender.

Maybe they believe we have finally reached a point where female soldiers have done enough that their successes no longer need be celebrated as firsts.

Instead, maybe these 6 women simply want to put on their boots, show up and excel at their jobs. Something female soldiers have been doing every day for years.

Why do you think there wasn’t any fanfare for these women who earned the Expert Infantryman Badge?

5 Benefits of Pets for Veterans

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Whether your pet has fur, feathers or scales, there are great benefits to owning a pet. For veterans, having an animal to love and care for can be life-changing and incredibly positive.

5 Benefits of Having a Pet for Veterans

Structure and Routine

Veterans have spent years of waking up at zero dark thirty for morning PT, lunch at the chow hall and an evening that starts when the bugle sounds “Retreat.” It can be hard to be suddenly cut loose in the civilian world. There is no longer someone else calling the shots or writing the orders.

All at once, veterans leaving active duty are without the structure and routines that have governed their lives for so long.

Pets can add that structure back into their lives. Dogs need to be walked regularly. Cats need their litter changed routinely. Even fish and reptiles live by a schedule of interaction and cleaning needs. Every animal needs to be fed on the regular, too. Then there are the veterinarian appointments. A pet’s needs automatically create the need for routine and schedule.

This type of routine can ground a veteran and replace some of the structural void left after military service. Pets provide a higher or greater purpose that could motivate a veteran to find a new non-military rhythm for life.

Companionship and Camaraderie

You often hear military troops refer to each other as brothers or sisters. The military creates a structure of shared work and deepens relationships through tough times.

After leaving the military, or even transitioning from active duty to the reserves, a veteran might find this part of their life lacking. There aren’t built-in friendships. For single veterans, it could feel as though no one needs their presence to survive.

A furry friend can provide friendship and love, plus a reason to get out of bed every day. Our pets are entirely dependent on us to survive.

Pets are there 100% of the time. Dogs and cats are ready for snuggles, long conversations and play time. Many dogs, and even some cats, enjoy going for walks with their humans. Relationships and bonds are formed and deepen over time.

Animals often know when their humans are feeling sad, angry or upset. They might react, just like a human friend, with extra love and support. While they can’t talk back, a pet is always there to listen.

Ease Mental Health Concerns

Many veterans return from active service with mental health concerns or even injuries that impact their emotions. Veterans can experience depression, PTSD and other mental health illnesses. Often these can go undiagnosed.

Owning a pet can help to ease symptoms of depression, anxiety and other mental health illnesses. By providing the regular routines and companionship, many veterans feel less alone. Feeling like they have love and support can boost moods and help to lift symptoms of depression and anxiety.

Note: if you or someone you know is experiencing a mental health crisis, please contact a medical professional for assistance and advice.

Provide Life Assistance

When veterans return from deployment, they often come home with injuries, both visible and hidden. Coping with these life changes and navigating the civilian world can be a challenge.

Often, a service animal can be of assistance. Many service pets provide services, like opening doors or guiding visually impaired humans safely. Other pets are medical alert animals, signaling when their human is in distress or trained to contact emergency services. Some pets offer official mental and emotional support.

For veterans who are finding their way again after injury, working with a service animal can be a vital part of their treatment plan.

Not every veteran will qualify for a service dog, which can be expensive to adopt and train. First, veterans must have a diagnosed disability. Second, they must work with a dog that is temperamentally appropriate to assist them given the specifics of the veteran’s disability.

For veterans who are interested in working with a service dog, Operation We Are Here maintains a list of organizations who might be able to help.

Serve a Higher Purpose

Veterans have offered to sacrifice anything and everything, including their lives, in the defense of our country. This can be seen as a truly noble cause, serving a higher calling or purpose.

It can be hard to return to or enter the civilian workforce after dedicating your life to service.

Rescuing a pet from an animal shelter can help to fulfill that call to duty. There are thousands of loving animals in need at shelters around the nation. Too many of them will never leave to find their forever homes.

When veterans consider adding a pet to their family, it can be rewarding to adopt their new friend from an animal rescue or shelter. For veterans who want to assist animals in other ways, they can volunteer or foster pets in need.

Do you have a pet? How does your pet help your veteran?

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.

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?

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?

Do You Understand Tricare’s Upcoming Changes?

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Did you know that Tricare is changing? Just when you thought you had a grasp on how Tricare works, it’s going to change.

Here are the things you need to know about the changes that are coming, when they will begin, how they will impact your military family and what actions you need to take.

Do You Understand Tricare's Upcoming Changes?

If you are currently enrolled in Tricare, you don’t need to do anything if you want to stay in the same plan.

Upcoming Changes Are Coming to Tricare

Region Consolidation

Regions stateside will be consolidated from the current North, South and West to simply Tricare East and Tricare West as North and South merge. There are 2 contractors that will cover Tricare East, Humana Military and Health Net Federal Services.

Tricare Select

While Tricare Prime will not change, Tricare Standard and Tricare Extra will combine into one program, Tricare Select. This will happen on Jan. 1, 2018.

Tricare Select will be a self-managed program with a preferred provider network option available. You will not need to have a primary care manager (PCM). This will allow beneficiaries to go to any Tricare provider without a referral.

While change is usually unsettling, some things will improve. Access for beneficiaries to network providers under Tricare Select will be expanded to include more non-cost preventive services from network providers. The treatment for obesity, high-value care and telehealth will be expanded under Tricare Select.

Enrollment Deaadlines

Automatic enrollment for current Tricare beneficiaries will take place on Jan. 1, 2018. This means Tricare Standard and Tricare Extra beneficiaries will switch to Tricare Select instantly.

Throughout 2018, beneficiaries will be able to enroll in or change plans. In the fall however, Tricare will begin an annual open enrollment time.

At this point, beneficiaries will have to decide if they want to keep or change their Tricare plan for the next year. The open enrollment time will begin each year from now on the Monday of the second full week in November until the Monday of the second full week in December.

Under the previous Tricare rules, a beneficiary could change from Tricare Prime to Standard and vice versa at any time. Under the new Tricare policy, beneficiaries will not be able to. All changes must occur during open enrollment only.

The rules for qualifying life events (QLE) will also change. When a QLE occurs, the beneficiary has 90 days after the event to change the Tricare program they are enrolled to different one. Any member of that person’s family can also change their coverage during that time.

2018 will be a transition year meaning you can still change your Tricare program anytime however.

Specific Changes

Prime beneficiaries will be able to get appointments quicker by not needing a referral for some things. Going to Urgent Care without a referral by the primary physician will be included in this.

Select beneficiaries will see a change to finances. Currently there is a cost share that requires the beneficiary to pay a percent of the total care. Under the new Tricare program, Tricare Select will pay a fixed dollar amount.

Tricare for Life beneficiaries will see their benefits preserved but the authority is there to restructure and updated them.

How will these Tricare changes impact military families?

As Tricare changes from a fiscal year to a calendar year period, military families might see a shift in money. If catastrophic caps or deductibles have been reached, now that the timeline has shifted, there will be no increase in out-of-pocket expenses during that time.

Tricare beneficiaries will be divided into 2 groups. All sponsors that joined the military prior to Jan. 1, 2018 will be in group A, which will be grandfathered in. Those who join the military on that date or later will be put into group B, known as the non-grandfathered group. There will be distinct enrollment fees as well as out-of-pocket costs associated with each group.

What actions should you take?

Beneficiaries must enroll in one of these programs or coverage will be terminated. If this happens, they will only be able to get care at a military clinic on a space available basis.

If you are currently enrolled in Tricare, you don’t need to do anything if you want to stay in the same plan.

If you want to change plans, you should do so. Before Jan. 1, 2018, dependents should make sure they are registered in DEERS. Updating your information in DEERS is a good idea.

What questions do you have about Tricare’s upcoming changes?

We Really Wish These Retailers Offered a Military Discount

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One perk of being part of the military community is getting a military discount. Sure it’s a small thing, but it goes a long way.

How many times have you asked for a military discount when you’ve been checking out at a retailer?

I love a great discount and I’m thankful that many establishments offer it. I don’t expect it and quite often I’m surprised by how many places do offer a military discount.

Michael’s use to only offer a military discount on Mondays, but in recent years this retailer has moved to offering it every day. Old Navy is now the same, offering a military discount every day of the week instead of just one. I would always end up there on the wrong day, so I am so glad they expanded the program.

We Really Wish These 20 Retailers Offered a Military Discount

Getting a military discount is wonderful, no matter where it is at.

There are plenty of retailers that offer a military discount, but there are many more that do not.

Here are 20 stores that we wish offered a military discount.

I did a bit of crowdsourcing and found that many military spouses said grocery stores. Everyone doesn’t live near a commissary so they don’t have the opportunity to save money that way. The closest commissary to me is 35 minutes away, which doesn’t seem far. It is however when you need to pop out for 1 or 2 things.

It would be nice if places such as Wegmans, Publix, Giant, Food Lion, Aldi and Winn-Dixie offered a military discount.

After grocery stores, the next most popular establishments military spouses wished offered a military discount were big box retailers such as Walmart and Target. Most of us spend plenty of time in these stores and spend countless dollars, whether on frivolous things or necessities. Imagine how much money we would save over the long run if a military discount was offered.

Along the same lines, many military families would benefit from a military discount at stores such as Costco, Sam’s Club and BJ’s. Now that’s where most of us leave our money behind. It would be nice if we left with more than just jumbo sized products. Having a military discount would allow us to go home with more money in our pockets too.

We would probably spend it on coffee though. You laugh, but it’s true. So many people stated that they wished Starbucks offered a military discount. I vote for that too.

I don’t want to know how much money I’ve spent on coffee. It was worth every penny though. Every move, every deployment, every time I’ve made friends with new military spouses coffee has been involved. It’s basically a lifeline.

Speaking of lifelines, Amazon is a real savior. How many times have you bought something on Amazon? Having Prime membership is worth the price, but it would be so much better with a military discount.

If students can get a discount and people on government assistance that have EBT cards can get a discount, then why can’t military families get one? It doesn’t seem like that should be out of the question. If they can extend a membership discount to certain groups, then they should consider extending it to the military community.

I suppose we can’t have it all, but we can dream. Some other retailers that were suggested to add a military discount include Best Buy, Walgreens, Hobby Lobby and Tractor Supply as well as many restaurants.

At some locations Best Buy offers a 10% military discount, but not all of the stores do. Walgreens is now a Tricare approved pharmacy so many military families will be visiting these stores. It would be great if they offered a military discount on products other than prescriptions.

While Best Buy and Walgreens are great, many families have taken to a more domestic approach to life, having chickens in particular, and would benefit from a discount at Tractor Supply. Tractor Supply offers a discount to farmers, but not to military families. They receive a lot of patronage from the military, so it would be nice to get something back.

It would also be fantastic if every restaurant offered a military discount. A lot of military spouses said they would really appreciate that. Restaurants such as Outback Steakhouse, Red Robin and some Hard Rock Cafes offer these discounts but it would be nice if all of them did.

Getting a military discount is wonderful, no matter where it is at. I never expect to get one and am always happy and surprised when one is offered. Some places only offer the discount to the active duty person so it’s really nice when it can be applied to all of us with a military ID card.

Did we miss your favorite retailer that you wished offered a military discount? Tell us in the comments section.

Spend Less on Your Family’s Must-Have Gifts with These Military Discounts

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‘Tis the season to give gifts. Showing your love and appreciation to friends and family with thoughtful presents is wonderful. Unfortunately, holiday giving can create a serious dent in your wallet.

Spend Less on Your Family's Must-Have Gifts with These Military Discounts

For many retailers, membership in either ID.me or Veterans Advantage is required to use discounts.

To save yourself a little money, grab your must-have gifts from stores that offer military discounts!

Stores Offering Military Discounts on the Must-Have Gifts This Holiday Season

Enroll in Military Discount Websites

Asking about a military discount at every store can take time. Scouring every online retailer’s website for military specials is overwhelming. Instead of wasting your time and gas on endless searches, enroll in ID.me. This is an all-in-one service for service members, first responders, teachers and students. With one log-in, you’ll have access to tons of great online discount opportunities. Best of all, ID.me is free.

Another one-stop-shop for military discounts is Veterans Advantage. This site has partnerships with many retailers and offers exclusive benefits for their members. It is free to join, but using many of the discounts requires a paid membership.

Note: For many retailers, membership in either ID.me or Veterans Advantage is required to use discounts.

Food and Flowers

Omaha Steaks: use your ID.me membership to verify your military status, then send steaks and tasty food to your friends at 10% off.

Hickory Farms: shipping to APO and FPO addresses is free, making it easier to send summer sausage to your family OCONUS.

1-800-Flowers: get your holiday bouquets at 20% off when you verify through ID.me.

1st in Flowers: claim 15% off your next floral arrangement when using the code USMILITARY

Godiva: gift luxury chocolate at 30% off through Veterans Advantage.

Clothes and Shoes

Nike: get your kids the must-have kicks for 10% off at official Nike stores, like Niketown and Nike outlets, when you show your military ID.

Old Navy: show your ID in store and save 10% off on cozy sweaters, fun PJs and brand new jeans when you shop in-store.

Professional Sports Shops: the MLB, NFL, NHL and NBA offer 10% to 15% off to military troops and veterans through ID.me.

Kohls: not every location offers a military discount, but it can pay to check with the on-duty manager just in case.

Babies and Kids

Disney: from holiday jammies to official merchandise, ID.me has several discount deals on sweet Disney merch.

Buy Buy Baby: splurge on the new baby in your life at a discount through ID.me.

The Children’s Place: stock up on essentials with a variety of discounts and deals when you verify online.

Crazy 8: let older kids show their personal style with discounts when you use ID.me.

HearthSong: use ID.me to get fun, classic toys for children for less.

Pottery Barn Kids: keep your child’s room functional and fashionable with 15% off in-store purchases.

DIY Gifts

Lowe’s: your resident fixer can get 10% off at Lowe’s when you also enroll in the MyLowe’s program.

Home Depot: from bathrooms to backyards, your home improvement projects can cost 10% less when you show ID at check-out.

Michaels: get art supplies and crafty things at a 15% discount when you show your ID in-store.

iRobot: using ID.me can help you save up to 15% on your next Roomba!

Jewelry

Helzberg Diamonds: put a little sparkle in your holiday season with 10% off jewelry.

Harris Jewelry: there are several tiers of specials and discounts when you purchase your special something through Harris.

Kranich’s: for those in the PA region, Kranich’s offers an unspecified military discount and promises exceptional customer service.

Zoara: military members can save 5% when you have an active U.S. military email address and use code USMILDISC.

Robbins Brothers: are you ready to pop the question? Save up to $400 when you purchase your engagement ring here.

Tiffany: don’t forget the croissants when you head to a U.S. store to pick out engagement or wedding bands at a 10% discount.

Tech and TV

Apple: Veterans Advantage members can take advantage of a 20% discount on select products.

Pro Sports Networks: get discount access to every game when use ID.me to sign-up for MLB, NFL, and NHL sports packages.

Travel and Experiences

Military Shoppers Travel & Rewards: this travel club is a free exclusive program designed to show appreciation to active duty, retired, Guard and Reserve. Military Shoppers Travel & Rewards lists special discounts that have been arranged exclusively for MilitaryShoppers members.

Sandals and Beaches: go all inclusive for winter break with a 10% discount at each of these sister resort chains. Bring the kids to Beaches or have an adults-only getaway at Sandals, all food, drink and many activities included.

Disney World and Disneyland: visit your favorite mouse at a discount when you use the Military Salute tickets. You can even score discounts on your hotel when you stay at Shades of Green or some on-property resorts.

Air Travel: members of Veterans Advantage can get deals on Southwest, United and JetBlue flights. For non-members or other airlines, it always pays to call a representative and ask about military discounts or perks. Often, military members or dependents will be allowed free checked bags and occasionally seat upgrades!

Cruises: hit the high seas with Carnival or Princess cruises at a discount! Other cruise lines, like Norwegian and Royal Caribbean, offer discounts through ID.me and Veterans Advantage. You can also call a travel agent or cruise line representative to find out more details and offers on any trip.

Bush Gardens and Sea World: get your thrills and say hello to a turtle for free when you use the Waves of Honor program at Bush Gardens, Sea World and other parks.

Never miss a military discount by signing up for the Military Shoppers newsletter. Click here to sign up today!

Tips for Veterans Who Want to Be Franchise Owners

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Veterans and service members are looking into ownership of franchises like never before.

According to the U.S. Small Business Administration, roughly a quarter of all veterans are interested in starting their own businesses. Franchises are a very popular route to go for many of them. With the business framework already in place, opening a franchise is an easy way to enter the market.

Franchises are so popular that the International Franchise Association reported that 1 of every 7 franchises in America is owned by a veteran.

The number of veterans owning franchises may be so large because of all the help available to make business ownership possible. There are many tools veterans and their spouses can use to help make the decision to buy one of the numerous franchises.

Also hundreds of companies offer incentives for veterans to become a franchise owner. Here are a few things you need to consider if you are interested in franchises.

Tips for Veterans Who Want to Be Franchise Owners

Veterans are buying into franchises at a record pace. Here are a few things to consider if you are interested in owning one.

Is buying into a franchise a good decision for my military family?

Many veterans and military spouses dream of owning their own business. My husband wants to own a small bar when he retires. He has talked about it casually for years. I have always wanted to own a coffee shop. While we both dream of these things, I have to wonder if either of them will ever become a reality.

Do you dream of owning a business? Would it be one of the thousands of franchises in America?

The first things you need to do when considering opening a business is to decide if owning a franchise is the right thing for you and your family.

Ask yourself the following 4 questions:

  1. Are you passionate about the industry you are considering?
  2. Is this merely a hobby you enjoy or will you actually like to take this on as a business?
  3. Is there room in the market for this business?
  4. Is this the right time in your life to open a business?

Think about your family’s circumstances, financial stability and viability of franchise ownership. If your family decides that owning one of the franchises available is the right move, then you need to look into how to choose one of the franchises.

How do I become a franchisee?

Start your research with the U.S. Small Business Administration. They have a veterans business outreach center (VBOC) program. They offer services to help veterans with business training, counseling and referrals. This includes workshops on business development for issues such as being self-employed. There are business counselors available to help on a one-on-one instance as well.

The VBOC program also offers a feasibility analysis to help veterans determine if a business will be successful. They will review your business plan in doing so.

There are 8 things to do to own one of the franchises available in the United States. First, decide which type of franchise you would like to own. Next you should look to see what franchises are available in that industry. You will want to take into consideration the requirements to own a particular franchise in that segment. You should also research the market in the place you wish to open your business.

If all looks well, then you can send an inquiry to the franchise. You’ll need to fill out an application for the franchisor. They will want to see if you are a good candidate to own one of their franchises. When you get a reply, if it is positive you will need to think of the next steps. This will start with finances. You need to decide how you will fund purchasing a franchise.

What incentives are available to veterans for starting a franchise?

Most businesses require a buy in and you might not have the startup money for it. Luckily, many businesses offer incentives and discounts for veterans to open one of their franchises.

There are 650 franchises listed with the International Franchise Association that offer these incentives and discounts for veterans and their spouses.

The Veterans Transition Franchise Initiative, VetFran has helped 2,089 veterans become small-business owners with their financial incentives.

Politicians are getting into the spirit of veteran-owned businesses as well. The Veteran Entrepreneurs Act of 2017 was introduced at the beginning of the year. Its purpose is to provide entrepreneurship training to veterans and their spouses. The bill would amend the Small Business Act to include a female veterans business training program as well as one for disabled veterans. An outreach center will provide financial assistance including financial management, marketing advice, training and technical help.

While that bill is lingering in Congress, you can look into the incentives the franchise you are interested in purchasing to see if they are big enough to make ownership a reality.

What questions do you have about franchises?