2022 AFBA Financial Planning Guide

who agree to serve at least one additional year. The amount varies by specialty and length of additional service. HPOs can get IP and RB at the same time if their specialty warrants it. Like the RB, HPOs can sign a longer IP agreement for more money at any time depending on the needs of the service. Special Duty Assignment Pay. A monthly payment ranging from $75 to $450 is given to enlisted members who perform duties that have been designated as being extremely difficult or involving a high degree of responsibility. ALLOWANCES Basic Allowance for Housing (BAH). BAH is a monthly allowance for members not assigned to government quarters. The objective of the BAH program is to ensure the same out–of–pocket housing expense for each member regardless of duty location. BAH covers 95% of housing expenses with members paying 5% of their housing expenses out of pocket. The BAH allowance for each duty location is based on commercially gathered price data of local rental properties. Data is collected to establish the average rental and utility costs for various types of housing units. The information reflects the cost of rental properties with housing characteristics similar to those rented by civilian counterparts with salaries comparable to military members. The data is collected every summer with the new rates effective 1 January of the next year. BAH rates vary by grade and duty location. The 2022 BAH rates increased by 5.1%. The increase is an average for all areas and actual rates will continue to be set by the individual location based on the current local rental housing market survey process. A key feature of the BAH program is “rate protection.” Rate protection ensures that service members will not have a reduction in their BAH payment even if rates go down. The rate in effect when the member arrives at their duty station is the guaranteed minimum rate they will receive during their current assignment. Also, if rate increases are made for a given location, then everyone assigned to that location will receive the benefit of the new rate increase. In addition to the standard BAH, there are three other types of BAH: a. BAH RC/Transient. A prorated housing allowance paid to Reservists who are mobilized for 30 days or less. b. BAH Partial. This may be paid to members without dependents who reside in government quarters.

c. BAH Differential. Used for personnel who live on base in single quarters and make alimony or child support payments. Basic Allowance for Subsistence (BAS). BAS is a monthly allowance designed to offset the cost of meals to the member. In 2022, officers receive $280.29 a month regardless of rank. Upon completion of initial training, enlisted members who are authorized to mess separately will receive $406.98 per month. Clothing Allowance. To help pay for a uniform and other clothing costs, service members may be given a clothing allowance if appropriate clothing is not furnished. All officers are entitled to an initial uniform allowance. The initial uniform allowance is payable only once to an officer except for the following circumstance: upon transfer to another Reserve Component that requires a different uniform, a Reserve officer may receive another initial uniform allowance. Regular officers may not receive this allowance when transferring to another Military Service. Enlisted personnel receive an initial uniform issue at the time of entry into the service. To provide for uniform replacement, enlisted personnel are subsequently paid an annual clothing replacement allowance. There are two types of clothing replacement allowances — Basic and Standard. The Basic Rate is payable during the first three years of service. After three years of service, the member receives the Standard Annual Clothing Replacement Allowance Enlisted Men BASIC STANDARD Army $356.38 $509.11 Navy $327.60 $468.00 Air Force $320.22 $457.46 Marine Corps $488.64 $695.76 Enlisted Women Army $393.25 $561.78 Navy $324.00 $464.40 Air Force $324.54 $463.63 Marine Corps $486.84 $692.76


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