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Resources
Soldier Benefits
Soldier Benefits
Military Lending Act
- The Military Lending Act (MLA) says that you can't be charged an interest rate higher than 36% on most types of consumer loans and provides other significant rights. The MLA applies to active duty service members (including those on active Guard or active Reserve duty) and covered dependents.
- Highlights of some benefits are:
- A 36% interest cap. You can't be charged more than a 36% Military Annual Percentage Rate (MAPR), which includes the following costs in calculating your interest rate (with some exceptions)
- Finance charges, credit insurance premiums or fees, add-on products sold in connection with the credit, and other fees like application or participation fees, with some exceptions.
- No mandatory waivers of consumer protection laws. A creditor can't require you to submit to mandatory arbitration or give up certain rights you have under State or Federal laws like the service members Civil Relief Act.
- No mandatory allotments. A creditor can't require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan.
- No prepayment penalty. A creditor cant charge a penalty if you pay back part - or all - of the loan early.
- For more information, please visit: the consumer finance website
Army Ignited
- ArmyIgnitED is a tailored, intuitive resource that empowers you to achieve your educational goals. Whether you're at home or abroad, you'll have unlimited access to educational opportunities, support, and guidance throughout your desired Education Path, Civilian Path, Credential, or Army ROTC scholarship program.
- For more information on how Army Ignited can help further your education, please visit: the Army Ignited website. You will need a CAC to access the full site.
Residency Relief Act
- Every person has a state of legal residence. For most civilians, their state of legal residence is the place where they live. But service members and their Families move frequently. The SCRA allows active duty military members to maintain their legal residence in the place they consider home.
- The Military Spouses Residency Relief Act allows military spouses to declare the same state of legal residency as their spouse. The Veterans Benefits and Transition Act allows spouses to make that choice regardless of when they were married. The following conditions must be met to qualify under the MSRRA:
- The service member is living on military orders in a state that is not his/her resident state.
- The spouse is in that state solely to live with the service member.
- Both the service member and spouse have the same resident state.
- The spouse only pays taxes on income in their state of legal residency when they meet the above conditions.
- For more information, please visit: Military OneSource
Tuition Assistance Program
- The Tuition Assistance (TA) Program provides financial assistance for voluntary off-duty civilian education programs in support of a Soldier's professional and personal self-development goals. TA is a Public Law that is implemented by Department of Defense (DoD) Directive and DoD Instruction, and all Soldiers (officers, warrant officers, enlisted) on active duty, Army National Guard and Army Reserve Soldiers on active duty (pursuant to U.S. Code Title 10 or Title 32), and TPU Soldiers are authorized to participate in the TA program.
- For more information, please visit the Official Website.
Tricare Overview
- TRICARE coverage is based on your sponsor's coverage and military status (Active Duty/Reserve/National Guard). There are a variety of different TRICARE Health Plans such as TRICARE Prime, TRICARE Select, etc. Depending on enrollment TRICARE provides:
- Health Care: TRICARE covers services that are medically necessary. To be medically necessary: means it is appropriate, reasonable, and adequate for your condition. and considered proven
- Dental Care: It is separate from TRICARE's health benefit and requires a separate enrollment
- Mental Health: Some of these services include: Intensive Outpatient Programs, Medication Assisted Treatment, Opioid Treatment Programs, psychotherapy, crisis management, family therapy, group therapy, medication management, and occupational therapy
- Pharmacy: The TRICARE Pharmacy Program provides the prescription drugs you need, when you need them, in a safe, easy, and affordable way. TRICARE's prescriptions are managed through the pharmacy contractor, Express Scripts
- Special Needs: TRICARE offers several services under the basic TRICARE benefit for beneficiaries with special needs such as Applied Behavioral Analysis, Home Health Care, Hospice Care, and more. TRICARE also has several special programs that provide services beyond the basic TRICARE benefit for beneficiaries with special needs
- Vision Care: Vision benefits, including eye exams, depend on who you are, your TRICARE plan, and your age
Tricare Dental
- The dental benefit is administered by United Concordia Companies, Inc. (United Concordia) and is available stateside and overseas to qualified beneficiaries.
- Eligibility (TDP uses DEERS to check enrollment eligibility. To be eligible to enroll in the TDP, your sponsor must have at least 12 months remaining on his or her military service commitment at the time of enrollment.)
- Enrollment (There are three ways to enroll in the TDP: online, mail, or by phone.)
- Online: http://www.tricare.mil/bwe
- Mail: Download the Enrollment/Change Authorization For TRICARE Dental Program document available at www.tricare.mil/forms. Mail the completed document along with the initial premium payment (personal check, cashier's check, traveler's check, money order or credit card) to:
- United Concordia
- TRICARE Dental Program
- P.O. Box 645547
- Pittsburgh, PA 15264
- Phone: 1-844-653-4061
- Accessing Care (United Concordia offers an extensive network of dentist locations. Remember to check if your dentist is in the network before receiving care.)
- Costs (For a list of cost-shares, visit the TRICARE Website. If members visit non-network dentists who charge more than the allowed fee, they may incur additional expenses.)
