Military Spouses: Here Are 10 Benefits You Didn’t Know You Were Eligible For

Military spouses hold families together through deployments, relocations, and constant change—but many don’t realize just how many benefits they’re entitled to. From education grants to home loan programs, hidden perks are designed to ease the financial and emotional load of military life. Yet thousands of eligible spouses never claim them, leaving valuable resources unused. Whether you’re active duty, retired, or part of the Reserve or National Guard community, these programs can make a real difference. Here are 10 powerful benefits military spouses should be taking advantage of right now.

1. MyCAA Education and Career Grants

The My Career Advancement Account (MyCAA) program offers up to $4,000 in tuition assistance for spouses pursuing certifications, licenses, or associate degrees in portable career fields. It’s available to spouses of active-duty service members in pay grades E1–E5, W1–W2, and O1–O2. Whether you’re training for nursing, IT, or education, MyCAA covers approved institutions and career programs. Many participants complete training entirely online, making it easy to learn from anywhere.

2. Free Career Coaching and Resume Support

The Military Spouse Employment Partnership (MSEP) connects spouses with employers who actively seek military talent. You can access one-on-one career coaching, federal resume help, and job boards featuring companies that understand the demands of military life. It’s an excellent resource for remote and portable positions. The partnership’s goal: make sure your career moves with you every PCS.

3. Military Home Loans and Fee Waivers

Military families can access special VA loan benefits, even if the service member isn’t the one applying. Surviving spouses of veterans may also qualify for zero-down VA home loans with no mortgage insurance. Many states offer additional property tax exemptions or closing-cost waivers. For families constantly relocating, these programs remove massive financial hurdles to homeownership.

4. Scholarships for Spouses and Children

Nonprofits like Fisher House Foundation, National Military Family Association (NMFA), and ThanksUSA offer annual scholarships to military spouses pursuing higher education. Awards typically range from $1,000–$5,000 and are available across all branches. Even dependents can qualify for additional funds through state programs or base-specific scholarships. Education doesn’t have to stop when your spouse deploys.

5. Free or Discounted Childcare Programs

Through Child Care Aware of America, military families can receive fee assistance for civilian childcare centers when on-base care isn’t available. Fees adjust to your rank and income, often cutting childcare costs by 50% or more. For dual-working spouses, this benefit can save thousands annually. It’s one of the most underused yet essential resources for families balancing military and career life.

6. Health Coverage Continuation Through TRICARE

Spouses and dependents qualify for TRICARE, which provides comprehensive medical, dental, and vision coverage. Even after separation, some families can extend benefits through the Continued Health Care Benefit Program (CHCBP). It bridges the gap while transitioning to civilian insurance. TRICARE also covers mental health services—something many families overlook but deeply need after deployments or relocations.

7. Military Store and Travel Discounts

Don’t overlook commissary privileges, base exchanges, and Space-A travel benefits. Spouses can save up to 30% on groceries and essentials, plus access deeply discounted flights through the military’s space-available program. ID cards are key—make sure yours is current to unlock access. These everyday discounts can stretch budgets significantly, especially overseas or in high-cost-of-living areas.

8. Free Financial Counseling and Tax Prep

Military spouses have access to free financial counseling, budget coaching, and tax preparation services through Military OneSource and on-base family centers. Certified counselors can help with debt reduction, investment planning, and benefits optimization. During tax season, Volunteer Income Tax Assistance (VITA) centers provide free, expert-level filing for both state and federal returns. One session could save hundreds in accountant fees.

9. Support for Entrepreneurship and Small Business Grants

Programs like Patriot Boot Camp, Veteran Women Igniting the Spirit of Entrepreneurship (V-WISE), and SBA’s Office of Veterans Business Development offer training and funding to military spouses starting small businesses. These initiatives help turn mobile-friendly ideas into real income. From Etsy shops to consulting firms, the military spouse community has become one of the fastest-growing groups of entrepreneurs in the U.S.

10. Survivor Benefits and Retirement Continuation

If the service member passes away, the Survivor Benefit Plan (SBP) provides ongoing monthly payments to the spouse. Combined with Dependency and Indemnity Compensation (DIC), this financial safety net ensures stability after loss. Spouses also remain eligible for commissary, TRICARE, and base privileges under specific conditions. It’s a benefit no one wants to need—but one every spouse should understand.

Why Military Spouses Should Claim Every Benefit They Earned

Military spouses sacrifice careers, stability, and time with loved ones in service to the country. These benefits aren’t handouts—they’re earned rights meant to ease that burden. Knowing and using them can strengthen your finances, education, and overall well-being. Don’t let red tape or lack of awareness keep you from resources designed to support your family’s future.

Are you or someone you know a military spouse? Which benefits have made the biggest difference—or which ones were hardest to discover?

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Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.