If the military ever decides to get serious about the quality of life for families and servicemembers, there is a lot they can do. Many of these are intended for the spouse, because during deployment, it’s the spouse who has control over financial matters.
If I were the Defense Department, I’d:
[ul]
[li]Actively work to curb predatory lending and sales practices by requiring that contracts be reviewed prior to allotments being approved. Many servicemembers get themselves into deep financial doo-doo by using these companies to “establish” credit, knowing their bills will be paid by allotment. Meanwhile, they’re forced to pay exhorbitant prices and interest for shoddy merchandise, or for stuff they don’t need.[/li]
[li]Require financial counseling prior to marriage, for both servicemember and future spouse. This also gives the military branch the opportunity to debunk myths about pay and benefits, and explain how they work, so the family isn’t faced with a major surprise at a bad time. I would also explain how the service’s relief agencies work, and give information on how to access the Family Service Center, as well as explain the services they provide, so if that emergency does happen, the family knows where they can go for help.[/li]
[li]Establish and expand formal educational benefits for spouses to help them get better jobs. In most cases, there is no reason at all why a spouse can’t get a decent job to help put food on the table. As a corollary, I would also expand the military’s already-excellent daycare system to include payment for off-base daycare, should there be no room at the local center. Again, there should be few reasons why the spouse can’t work. (Before anyone yells at me for not working myself, I am a full-time student so I can get one of those good jobs.)[/li]
[li]Allow reservists and Guardsmen to enroll in federal health-insurance plans if they or a working spouse don’t have access to insurance elsewhere. Pennsylvania is currently working this out at the state level; Guardsmen will be able to enroll themselves and their families in the state employees’ insurance plan. Currently, Tricare is only to these people under certain conditions, and there are still many places in the US where there are no participating providers. There should be no excuse for the government not to help servicemembers stay physically ready, and no excuse for servicemembers to have to sweat that load. By the same token, active-duty personnel whose spouses do have access to insurance should be able to opt out of Tricare altogether and seek private care, if they so choose. (Before I get yelled at for this, I understand that some people need specialized physicals and what-not, and these would be the exception. I’m talking about being able to go off-base for routine care. I’m also not talking about on-base care being entirely off-limits, because military treatment facilities do bill private insurance.)[/li]
[li]Allow spouse employment to be a factor in service location. A spouse who works to complete college and obtain a professional license or good job shouldn’t be expected to give that up for the sake of a rotation. The wife of one of my former shipmates was a nurse who was licensed in (IIRC) four states, maybe five, because of her husband’s duty assignments. Even if reciprocity exists and the person doesn’t need to sit for the state licensing exam, it still costs money in the form of license fees and lost time while the license is processed. And once they’ve moved on, they either have to give that license up, or they have to bear the cost of maintaining it, which means fees and continuing education. When staying put isn’t feasible, spouses with professional licenses should get preferential treatment for federal jobs in that field, where licensure from any state is permitted. In the case of people whose professions don’t require licensure, consideration should still be given to the spouse’s job, particularly when jobs in that field are hard to get.[/li][/ul]
Yeah, I know. All of this costs money. But by helping families take care of themselves, by educating them on pay and benefits, and by making sure they’re given a good start in the adult world, the military can ensure higher retention, a better class of recruit, and fewer social problems related to poverty; not to mention increased family support.
Robin