offering supplemental insurance formally
recognized and endorsed by the Navy. Formed in
July 1879, the society is a nonprofit, tax exempt,
voluntary membership association of sea service
personnel and their families. The Chief of Naval
Operations (CNO) traditionally serves as the
Chairman of the Board of Directors.
The purpose of the Navy Mutual Aid Society
is to provide members, their dependents, or their
beneficiaries aid through low-cost life insurance.
It also helps dependents and beneficiaries secure,
at no cost, the federal benefits to which they are
While on active duty, you carry level term
insurance (basic coverage only); after separation,
it changes to decreasing term. Cost varies for
smokers and nonsmokers and includes a yearly
refund (see table 5-1 ). The toll free number for
the Navy Mutual Aid Society is 1-800-628-6011.
Naval personnel are guaranteed certain
benefits not always offered by the civilian
community: shipment of household effects, travel,
survivor benefits, and retirement.
The Navy will pay for the movement of house-
hold effects in connection with a permanent
change of station move. You may also elect to
move your household effects yourself and be
reimbursed by the government. Weight allowances
vary with paygrade. Under certain conditions you
may be authorized to place excess household
goods in storage at government expense.
Personnel authorized travel for dependents
and those persons who own a house trailer may
be authorized a trailer allowance. Generally,
payment is limited to the cost of moving the trailer
and cannot exceed the cost to move the members
authorized household goods weight allowance.
Dependents are allowed transportation at
government expense whenever you make a
permanent change of station move.
You may be entitled to a dislocation allowance
to partially reimburse you for expenses incurred
during a permanent change of station move.
Dislocation allowance is equal to 1 months basic
allowance for quarters (BAQ) for your dependency
status and paygrade.
Because the amount of money allowed with a
permanent change of station move varies, check
with your disbursing officer to ensure you receive
the full amount.
You and your family can take advantage of
low-cost air transportation provided by space-
available (Space-A) flights on military aircraft.
Since some restrictions apply to Space-A travel,
you should obtain a Space-A pamphlet from the
Air Force or nearest military terminal if you are
Your dependents are entitled to certain
benefits if you die on active duty. These benefits
include a death gratuity, servicemens group
life insurance, dependency and indemnity com-
pensation (DIC), and social security. Your spouse
would receive a one-time payment of ,000 death
gratuity, 5 social security, and 0,000 service-
mens group life insurance. Your spouse would
then receive monthly payments from Social
Security and dependency and indemnity compen-
sation. The amount of the monthly payments
depends on the number and age of your children,
your paygrade, and your base pay. Your local
Family Service Center or professional organiza-
tion can compute the monthly payments your
spouse would receive.
During a permanent change of station move,
you are eligible for monetary allowance in lieu of
transportation (MALT) plus per diem. Per diem
is an amount of money used to reimburse you for
lodging, meals, and other incidental expenses
incurred during travel under orders. You receive
MALT in the form of cash payments when the
government does not provide transportation.
Everyone on active duty who meets the high-
year tenure requirements has the opportunity to
retire after 20 years of active federal service. All
personnel on active duty who meet the high-year
tenure requirements must retire after 30 years of
active federal service unless they have a waiver.
Retirement will be discussed in greater detail later
in this chapter under Fleet Reserve and