Are Military Benefits Worth It

Are Military Benefits Worth It?

joining the U.S. military. Many things are taken care of in the military, including health care, insurance, and housing. 

Housing and health benefits are provided, while travel and education are much cheaper or free in the military, so when you ask if “military benefits are worth it,” the answer is sometimes yes. Still, the possibility of death during service is difficult to comprehend. Discover some alternatives to a military lifestyle below for those curious about military benefits for spouses or mothers.

Salary And Pay

Pay and benefits in the military are quite competitive. Active duty is full-time work that includes guaranteed pay, cost-of-living adjustments, housing allowances, and unmatched opportunities and bonuses. Although part-time, the Reserves provide many of the same perks. The more you earn, the longer you serve, and the higher your rank. Other monetary incentives include:

  • Bonuses for enlisting
  • Opportunities for advanced enlistment ranks
  • Special compensation

Health And Dental-Care

Healthcare is currently one of the most contentious issues. Whatever your viewpoint on the subject, one thing is certain: going to the doctor is costly! The military provides its personnel and families with free, comprehensive health care.

Hospitals, clinics, and dental services are available to active-duty military soldiers and their families on or near most military sites. Active-duty service members are eligible for life insurance coverage ranging from $50,000 to $400,000.


If you live off base, the military provides a tax-free housing allowance. If you’re living off base, the Basic Allowance for Housing (BAH) rates can help you find a place to live. 

BAH is intended to give housing compensation to uniformed military members based on housing expenses in each local market. This is only paid when a military member does not have access to government quarters, such as barracks, or when they have dependents.

For an E-5 with dependents, your GI Bill Monthly Housing Allowance (MHA) is usually the same as your BAH. Your school’s ZIP code determines your MHA. Unlike the BAH, which can fluctuate every year on January 1st, the GI Bill MHA rate will increase on August 1st (the beginning date of the academic year).  

Veterans’ Benefits 

Home loan guarantees, small business loans, health care, and other benefits are available to veterans through the federal government and most states. The Veterans Affairs (VA) guaranteed house loan program is one of the most popular veteran programs. It allows qualified purchasers to obtain zero-down financing, making it easier for veterans to own their dream homes.

Spousal Benefits

Being married to an active or former military soldier can also be beneficial since the U.S. government actively supports the spouse’s needs. Some of which include the following:

Family Service Members’ Group Life Insurance (FSGLI)

Military spouses are eligible for life insurance coverage of up to $100,000 under the FSGLI. Military personnel can enroll their family members in this program for $10,000 to $100,000 in coverage. 

Spouse and dependent coverage cannot exceed the service member’s coverage, and children are limited to $10,000 in coverage. Enrollment information is available from your military personnel office.

Military Spouse Career Advancement Account (MyCAA)

The MyCAA Scholarship is one of the most beneficial programs available to military spouses. This program provides up to $4,000 in financial aid to military spouses who are studying any of the following through a MyCAA-affiliated institute:

  • A Permit
  • An accreditation
  • A two-year associate’s degree
  • Eligible spouses of active duty, guard, and reserve personnel with E-1 to E-5, W-1 to W-2, and O-1 to O-2 must be able to start and finish their program. At the same time, the military member is on Title 10 military orders.

Military Spouse Preference (MSP) Program

With military spouse unemployment still prevalent, any benefit to help them land a desired job is beneficial. Military spouses are given priority hiring in unfilled civilian posts inside the Department of Defense (DoD) under the MSP. 

These openings could be classified as civil service or Appropriated/Non-Appropriated Funds. Please contact your local Civilian Personnel Office (CPO) or Human Resources Office (HRO) for current vacancies.

The military will provide housing and health benefits while traveling, and receiving an education is cheap or free. If you ask, “the military benefits are worth it,” the answer can sometimes be yes, but certain risks are still intangible. 

Learn more about military life at PAGuard, while knowing more about the benefits you and your spouse can gain from active or retired service in the U.S. military. 

Leona Rankin
Founder Leona has worked for years as a Corporate Security Manager until she decided to form the company. She deemed all information regarding security should be regarded as a necessity, especially nowadays where threat may be imminent everywhere, whether in the physical, or the digital world.