Do Military Reserves Get Benefits?
When it comes to military service, many people assume that only active-duty military personnel receive benefits. However, this is not entirely true. Military reserves, also known as the National Guard or Reserve Components, play a vital role in national defense and are eligible for various benefits as well.
What is the Military Reserve?
The military reserve is a part of the military that consists of civilian citizens who are trained to serve in the military when needed. They can be called upon to support military operations, provide humanitarian assistance, or participate in state and national emergencies. There are six reserve components:
- Army National Guard
- Air National Guard
- Army Reserve
- Air Force Reserve
- Navy Reserve
- Marine Corps Reserve
Do Military Reserves Get Benefits?
Yes, military reserves do get benefits, although they may differ from those received by active-duty personnel. Here are some benefits that military reserves are eligible for:
- Healthcare Benefits: Military reserves are eligible for healthcare benefits through the Department of Veterans Affairs (VA) or TRICARE Reserve Select (TRS).
- Education Benefits: Military reserves can participate in the Montgomery GI Bill Selected Reserve (MGIB-SR) program, which provides up to 36 months of education benefits.
- Home Loan Guarantees: Military reserves are eligible for home loan guarantees through the Department of Veterans Affairs (VA), which allows them to purchase or refinance a home with favorable terms.
- Thrift Savings Plan: Military reserves are eligible to participate in the Thrift Savings Plan (TSP), a retirement savings plan similar to a 401(k).
- Deployment Incentives: Military reserves may receive deployment incentives, such as bonuses or increased pay, for serving on active duty.
- Retirement Benefits: Military reserves are eligible for retirement benefits, including a pension and access to TRICARE, after completing 20 years of service.
- Life Insurance: Military reserves are eligible for life insurance coverage through the Servicemembers’ Group Life Insurance (SGLI) program.
Other Benefits
In addition to the benefits mentioned above, military reserves may also be eligible for:
- Veterans’ Preference: Military reserves may be eligible for veterans’ preference when applying for federal jobs or state and local government jobs.
- Cemetery Burial Benefits: Military reserves are eligible for burial benefits through the National Cemetery Administration.
- Job Placement Assistance: Military reserves can receive job placement assistance through the Transition Assistance Program (TAP).
- Travel and Training Opportunities: Military reserves may have opportunities to travel and receive training, which can enhance their civilian career skills.
Comparison of Benefits
While military reserves do receive benefits, they may not be the same as those received by active-duty personnel. Here is a comparison of some of the benefits:
| Benefit | Active Duty | Reserve |
|---|---|---|
| Healthcare | TRICARE Prime | TRICARE Reserve Select (TRS) |
| Education | Montgomery GI Bill (MGIB) | Montgomery GI Bill Selected Reserve (MGIB-SR) |
| Home Loan Guarantees | VA Guaranteed Home Loan | VA Guaranteed Home Loan |
| Retirement | 20 years of service, full pension | 20 years of service, reduced pension |
| Life Insurance | SGLI | SGLI |
Conclusion
Military reserves play a vital role in national defense and are eligible for various benefits. While they may not receive the same benefits as active-duty personnel, they are still entitled to a range of benefits that can enhance their civilian career and quality of life. By understanding the benefits available to military reserves, individuals can make informed decisions about their military service and future plans.
