Military Spouse Benefits

It is a matter of pride to be a spouse of someone who willingly dedicates themselves to their country. The military doesn’t just reward personnel who enroll for duty; it also rewards their spouse. While being a military spouse is, without a doubt, a challenging prospect, it does come with its benefits. Military Spouse Benefits include health care, life insurance, education, and more. Let’s take a closer look at the military spouse benefits and analyze the opportunities as well as eligibility conditions.

Available Military Spouse Benefits

There are several Military Spouse Benefits that you can use, and they are all fully-funded.

For example:

  • Military Spouse Education Benefits such as myCAA, updated Post 9/11 benefit programs
  • Job Hunting Assistance-MSP Program
  • Reduced Rate Life Insurance for military spouses- Family Servicemembers’ Group Life Insurance aid program
  • Small Business Loan Aid Programs- Patriot Express

These are just a few examples of available programs for military spouses. We recommend you to pay close attention to this type of information and be aware of any recent updates. It is not easy to support your family, especially for military spouses who are living away from their husbands/wives. So, keep an eye on these programs and see which ones are more appealing to you and for which ones you are eligible to apply.

Which Benefits Do You Qualify For?

Spouses can get resume advice, scholarships from universities, tuition fee assistance, and more. Some of those aid programs are more valuable than others, but the most crucial part about them all is the qualifications. Below you can find all the necessary information about the available aid programs for military spouses and their eligibility requirements.

Military Spouse Education Benefits

Military spouses can take advantage of several education benefits and financial assistance programs. If they want to pursue higher education credentials and study at higher levels than it is more likely that they will find great aid programs that fully covers all the education cost of military spouses. The notable programs regarding the case include:

  • MyCAA
  • Military spouse Grants
  • Tuition Assistance Program
  • Military Spouse Scholarship

Under these programs, you are eligible to receive money and reduce your monthly expenses drastically. Whether your spouse works for the Air Force or for the Army, you can still enjoy these benefits.

Educational Assistance Programs

Each branch of the military provides various advantages in the form of assistance programs. Here you can find some examples:

Coast Guard Mutual Assistance Grants: the CGMA Grant program is a widely known education aid program for military spouses. The program helps military personnel as well as their close relatives to study for a college degree, technical or vocational schools, training, or a general equivalency Diploma.

Navy-Marine Corps Relief Society: The NMCRS Education program offers grants and student loans for military spouses and children. These grants range from $500 up to $4000. Military base access after divorce is also possible for this program. The children and spouse of the military personnel can go to either two or four-year full-time colleges, training, undergraduate, and graduate programs with this aid.

Army Emergency Relief Educational Assistance Program: This program is a need-based military spouse aid program that helps the wife/husband of the active military personnel on getting their first degree from university. If the spouses of that servicer are eligible for the program, they can get a four-year full-time scholarship or prolonged eight years part-time scholarship from the Army Emergency Relief Spouse Education Assistance program.

Available Scholarships

There are several available scholarship programs for military spouses such as:

MyCAA (My Career Advancement Account Scholarship) – the MyCAA is a program that focuses on workforce development. With this program, you can get around $4000 in assistance for pursuing and occupation, likeness, associate degrees, certifications, and career field.

Thanks USA; The Thanks USA educational benefit program is a fully-funded tuition fee assistance program that is given to the eligible military spouses. There are some limitations regarding this program because the qualified applicants will have only two choices concerning the university. They can only study at Purdue University Global or Northern Virginia Community College.

National Military Family Association’s Joanne Holbrook Military Spouse Scholarship-This aid program offers active duty military spouses scholarships ranging from $500 to $3500. Military base access after divorce is also a possibility for this program. Those ex-spouses can get a chance to enroll in graduate, post-secondary degrees, and training programs.

Transferability of Post 9/11 GI Bill Benefits

The most crucial side of the Post 9/11 GI Bill benefits is its transferability. Whether it is a partial aid or fully funded assistance, the military personnel who access the Post 9/11 GI Bill benefits can transfer to their close relatives (wife/husband, children). There are eligibility requirements for this option though it is effortless to pass them. Those requirements are:

  • Military personnel must have at least six years of full-time service under their belt
  • Military personnel should agree with the active status and services for additional for years before the time that the transfer happens

Another advantage of this program is that the benefits can be split up to various dependents according to their needs and preferences. For example, if a military spouse has three children, all of those children can take an equal share of the Post 9/11 GI Bill benefits. Requirements are easy, though the benefits that you can get from this program are enormous. Thousands of dollars are available to the families of military personnel, and that is why this program gets so much attention from the public and considered one of the most comprehensive aid programs around the country to this day.


DEA is the Survivors and Dependents Educational Assistance program that aims to cover the educational costs of the spouses and dependents of military personnel. It is mainly about the personnel from Armed Forces who have been killed, gone missing, permanently or temporarily injured, captured, or disabled. If these unfortunate cases happen to you as a dependent of the military personnel, then there is a high chance that you can get enrolled in this program. Although educational aid is substantial, the qualifications for this program are not that easy. By saying substantial, we refer to the fully funded 45 months of educational assistance, which helps dependents to pursue a career path, get a high degree, and use certification and job training programs.

State-Funded Military Spouse Education Benefits

The financial assistance, whether it is the qualification requirements or the amount of the aid, varies according to the state where you live. Some states offer fully-funded educational benefits as well as other supportive subsidies, while others do not have such comprehensive programs. For example, if the dependent or the spouse of the military service is from California, they would be able to get educational assistance, fully covered tuition from Cal State Schools, and some of the universities as well.

Job Benefits of Military Spouses

Besides education benefits for military spouses, there are outstanding opportunities regarding the job benefits as well. The educational programs are excellent though job benefits are necessary in that case to create opportunities for families of the military personnel to find reliable job places and stable employment. Here you can find some of the examples concerning job benefits for military spouses.


Spouse Education and Career Opportunities are great programs for military spouses. You can get information about these programs online. The aim is to give guidance for military spouses while they seek employment opportunities. There are three major programs in which you can enroll and access these benefits. The first one is a comprehensive counseling service. These services mainly focus on education, finances, and employment of dependents. MyCAA program is another excellent workforce development opportunity which offers $4000 to the military spouses. MSEP is a community that helps military spouses and guides them in the recruitment process. 


This program was designed for helping military spouses in finding reliable employment opportunities. Military spouses face a number of problems, and employment is among them. They face a 26 percent unemployment rate, and the wage gap for military spouses is equal to 25 percent. Over 75 percent of the military spouses are unemployed, and they have difficulty while searching and finding jobs because of the frequent relocations. MSEP is an excellent program because they offer assistance to the military spouses in the form of job training, and they work with over 500 companies by sending the C.V.s of the military spouses to the human resource managers and try to work something out.


The Military Spouse Preference is another excellent opportunity for military personnel dependents. Armed Forces have a hard time with relocations; as a result, military spouses find it even more difficult to find reliable job opportunities. Department of Defense designed MSP and took this issue very seriously. The program aims to help military spouses find jobs and fill the vacant DOD positions. The most crucial advantage that you can get from MSP is about overseas job availability. The eligible candidates can get employment opportunities not just in the U.S. but also in countries where their husband/wife is serving.


The Employment Readiness Program is another alternative that you can consider for military spouse employment. The program progresses through assisting both close relatives and spouses of the military personnel. The agents are searching candidates for teaching jobs, review the resumes of those candidates, and contact them whenever they can find an available position.


Patriot Express is one of the Military spouse benefits programs. You can enroll in this program easily. The exciting side of this community is that it was founded by military personnel. Right now, 51 percent of the program is owned and managed by veterans. Under this program, you can get up to $500.000 in loans with lower interest rates. The program is very flexible in terms of credits and eligibility requirements. If you are a military spouse, we strongly recommend you consider this program.

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The Family Service Members Insurance

The Family Service Members Insurance program is about affordable life insurance opportunities for military spouses. The coverage for life insurance varies from $10 to $100 thousand per person. The great side of the program is that while your spouse is getting older, the young children can get this life insurance for free. For adults, the cost of coverage gets more expensive as they get older.

Service Branch Program

Besides all these programs that we mentioned, there is another one by Service Branch which offers several military spouse benefits. There are branch-specific programs that you can enroll in, which can help you to get scholarships and grants for free.

Which Programs are available for Military Spouses from various Branches?

Coast Guard Military Spouse Benefits

  • Servicemembers Opportunity Universities for the Coast Guard Spouses
  • The Coast Guard Foundation Programs
  • Coast Guard Mutual Assistance (CGMA)
  • Dependents Education Programs for Coast Guard Spouses
  • Additional Education Aid

Navy Spouse Military Spouse Benefits

  • Vice Admiral (VADM) E.P. Travers Scholarship & Loan Program
  • The Navy-Marine Corps Relief Society 
  • SOCNAV Program
  • Spouse Tuition Assistance Benefits
  • Dependents Education Programs for Navy Spouses

Air Force Military Spouse Benefits

  • Dependents Education Programs for Air Force Spouse
  • General Arnold Education Grant Program
  • Servicemembers Opportunity Universities for Air Force Military Spouses
  • Air Force Assistance Society 
  • General Brown Spouse Tuition Aid Program 

Marine Corps Military Spouse Benefits

  • Vice Admiral E.P. Travers Scholarship & Student Loan Program
  • Dependents Education Programs for Marine Corps Spouses
  • The Admiral Mike Boorda Seaman-to-Admiral Educational Assistance Program
  • The Spouse Tuition Aid Program 
  • The Navy-Marine Corps Relief Society

Army Spouse Military Spouse Benefits

  • Scholarship by James Holbrook for Military Spouses
  • Servicemembers Opportunity Universities for the Army Personnel Dependents
  • SEAP
  • Army Emergency Relief Military Spouse Benefits
  • The Spouse Education Aid Program 
  • Dependents Education Programs for Army Spouses

Military Base Access after Divorce

Military spouses post-divorce go through a comprehensive process where they try to understand the military regulations and civil code. They need to be aware of these aspects, and if there is a need, they should contact legal counsel before getting a divorce.

Retired Pay

In cases of divorce, the 1982 Former Spouse Protection Act for military spouses states that division of the retired pay can happen as marital property. That does not necessarily mean that the spouse will get it. Thus, it gives the court an option about retired pay from which they decide how it will be divided between the spouses.

Survivor Benefit Plan

Survivor benefit Plan is another aspect that divorced spouses of the military personnel need to learn about. In cases of divorce, the divorced spouse may get access and considered as a Survivor benefit plan beneficiary. Within one year of divorce, the divorced military spouse needs to contact the military finance center and choose a former spouse coverage plan. What can terminate this benefit plan? Survivor Benefit Plan will be terminated if the spouse marries again before turning 55.

Health Benefits after Divorce

As you probably know, there is medical coverage for all the military spouses, which is a 20/20/20 rule. The divorced spouses can keep this coverage under these standards:

  • At least being married for 20 plus years
  • The husband/wife who is a military servicer has at least 20 years of experience on active duty
  • The divorced spouse has not been married
  • The divorced spouse did not have any employer-sponsored health care plan

Health Benefits second Rule

The second rule is called 20/20/15, which clarifies the chances of a divorced spouse on getting health care benefits. If there are only 15 years of overlap between marriage and service time, TRICARE only provides a divorced spouse with one year of medical coverage. In this case, remarriage by a former spouse can terminate the rule.

Commissary and Post Exchange Benefits

The divorced spouse who is qualifying under 20/20/20 rule can get Commissary and Post Exchange benefits as long as they act according to the regulations.


The military I.D. of the former spouses of the military personnel can be retained, only if they comply with the 20/20/20 rule. Other than that, other former spouses cannot use their military I.D.


Until the age of 22, every child of military personnel will access military benefits even if their parents got divorced. The benefits include I.D., special privileges, Commissary benefits, BAH, and financial support if needed.

Legal Assistance for Spouses

Military spouses can get free legal assistance during the divorce process. Only the military personnel; who are still on active duty can get the advantage of this aid. So, it is not related to the veterans.


The Military Basic Allowance for Housing is a great benefit that spouses can take advantage too. The military personnel who are on active duty can use this service, which intends to cover almost 97 percent of the expenses regarding the housing. The rate for BAH can vary from the place where you work, and these rates are changing every year.

Apply for Student Loan Forgiveness Help

If you struggle with university student loan forgiveness, then you should get help with that. Because the employees in these agencies are dealing with the student loans every day and they have enough experience for solving different kinds of student loan problems.


Military Basic Allowance for Subsistence is one of the Military Spouse Benefits. This is financial compensation for military spouses, and that compensation is given to them for reducing the expenses regarding basic needs such as foods, drinks, and more. The rate for BAS can change according to the prices of those products.

Childcare, Shopping and Recreational Benefits

The families of active-duty military personnel can access great discounts regarding these products. On products like electronics, furniture, there are tax exemptions for military spouses. Household necessities can be bought easily with these discounts thanks to this type of Military Spouse Benefits. If the base is crowded and family members of the military personnel cannot afford to live in another place, they can access tuition for daycare facilities and aid for renting a house. You need to find eligibility criteria to see if you can get enrolled in this program and receive the benefits. If the family lives in the base, it is unlikely that they can get these benefits from MWR (Military Welfare and Recreation). Though they can access other benefits such as free gyms, swimming pools even discounted vacation tours around the world.

Explore Military Spouse Benefits-Are You Eligible?

To take advantage of these benefits programs, you need to be aware of the eligibility criteria before anything. As a military spouse, you face many difficulties in life, and these programs are designed to assist you and relieve you from some of those problems. Besides programs and eligibility criteria, you need to have some information about your husband/wife’s service in the military. For example, you may need information regarding the service members’ pay grades, servicemembers’ ranks, and such details about your spouse’s military service.

These types of details will help you while you apply for Military Spouse Benefits, such as subsidized child care. To have information about the aspects mentioned above, you can use a variety of resources such as military pay calculator and LES (Leave and Earnings Statement) of your spouse. To do all these procedures, you need to have a Military I.D. Without it will be impossible for you to get into the military’s personnel system. To become eligible to apply for either program, you need to register with the Defense Enrollment Eligibility Reporting System.

Let’s Give an example of eligibility criteria to make it more understandable. A military spouse who wants to enroll in the MyCAA scholarship program and take full advantage of the available Military Spouse Benefits they need to do the following:

  • They should be a spouse of active-duty servicemember
  • The Pay grades should be: O-1 to O-2 or E-1 to E-5, W-1 to W-1
  • They should be able to complete the coursework from the university while his/her spouse works in active duty.

If these rules are applied to you, you can get Military Spouse Benefits from the Department of Defense under the MyCAA scholarship program.