Re: interviewing with NP and Chief Nurse (air force)
There are no benefit deductions in the military - except for things you choose, like your life insurance (and you'll never get $400K in coverage as cheap as you will in the AF), your GI Bill (which is a temporary deduction - I think it's still $100/mo for a year but someone may have more current information), and any other voluntary retirement contributions (called the Thrift Savings Plan, or TSP) or charitable contributions (through the Combined Federal Campaign, the CFC).
Your health insurance is FREE as long as you're active duty (there is a deductible for outside- the-military-system health care, but it's stupidly, stupidly low), you will draw a housing allowance (BAH) based on your duty location and your dependents (for San Antonio, which is where I'm headed in a month, it's $1249/month) unless you live on base - in which case you don't draw the allowance but everything except your phone and cable (and some bases have basic cable included) is free. You will also draw $223/month for what is called Basic Allowance for Subsistence (BAS) (ie, groceries) - but this is only intended for the military member (even though two hundred a month is a good chunk and a good start for the grocery bill).
ALL of these pays - your housing and your BAS - are NONTAXABLE allowances, so it's as though you're getting twenty-five percent more money than you're actually getting.
So yes, essentially your take home pay goes to you - which as of 01 January will be $2745 for an O1 without prior service and this is subject to tax. (But think of the military in terms of your ENTIRE pay - which would actually be $2968 PLUS whatever your housing allowance is - if it were San Antonio, for example, your gross pay would be $3947 - and then they break down your taxes out of that). Remember - you will only pay your personal bills from your pay (car, clothes, etc) - your housing will be paid and you will have a big contribution to your groceries.
You don't have to spend the whole housing allowance on rent or mortgage - if you find what you want for say $900 a month (which is what it's looking like in San Antonio for us), you pocket the difference - our housing allowance will come very close to paying EVERYTHING for us, including utilities.
And there are other bennies as well - I just signed all our insurances over to USAA and our car insurance dropped by a whopping $500 every six months (yes, it dropped by that much!), I've gotten both of us an additional $250K each in life insurance with a guaranteed rate for the next thirty years for $56/month - for both of us - and I've set up a USAA checking account, which is completely free with free checks for life. You can join USAA as soon as you're accepted to COT.
It bothers me when I read on this board how people say "I'm taking a pay cut to go into the military" just because their base pay might go down. What they're failing to realize is they won't be paying rent and all that other stuff out of that pay, and that any tax-free allowances are actually worth about 30% more. If they're taking a pay cut, I want to work where they're working!
So here's the short answer - no, stuff doesn't get deducted unless you choose it, and actually, a whole lot of stuff gets added!
I'm prior service Air Force and am leaving for COT in ONE WEEK (!!!).
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