Tag Archives: retired military

Transitioning Out of the Military: Are You Ever READY?

saluting-spouse-at-retirementThe prospect of leaving military life can produce a wide spectrum of feelings.

Some are ready to have a break from the op tempo. They are ready to leave deployments, TAD/TDY trips, long field exercises, and frequent moves in the rear view mirror. They are eager for their lives to be their own again. Perhaps they are excited about moving back to their hometown.

Others are not ready to enter the civilian world again.

They miss the adventure of moving to new places, having a secure paycheck, and the camaraderie of the military community. The thought of having to figure out what they want to do in their “second life” can be daunting.

Then there are those who feel all of the above.

They may flip-flop between being ready to leave one day to experiencing anxiety about it the next. To throw another twist into the situation, the servicemember may feel one way about it while the spouse feels another.

In short, transitioning out of the military is a big life change and one that can be full of a variety of emotions for all members of the family.

My husband was ready to retire.

He had his eyes set on the horizon and was ready to leave his military career behind. He was finishing up his MBA degree in preparation for employment in the civilian world and was eagerly networking for a job.

Me? I was not ready to go. I loved our military life.

Serving military families is my passion. The majority of my employment and volunteer activities have revolved around the military, to include working and volunteering for the National Military Family Association. My husband’s new job moved us away from a large military community to an area where most people cannot even relate to us.

To be honest, I have been “home sick” for our military community and feeling very displaced. And my husband, who was originally ready to leave, misses being in the Marines.

Emotionally, our transition out of the military has been harder than we expected. It may sound odd, but we are almost having a bit of an identity crisis.

Financially, we thought we were prepared.

We had figured out how much my husband needed to earn to replace his base pay and BAH while allowing me to remain a full-time mom to our children. When he was offered a job, my husband spent hours reworking our family budget with his new income, the rent and utilities for the house in our new location, gasoline for the mileage he’d have for his new commute, our expected taxes and so forth.

After we moved, two things caught us off guard:

  • The first was something we should have predicted but didn’t… our grocery expenses increased because we no longer had access to a commissary.
  • The second was something we had taken for granted until we moved to a non-military area… the savings we had received from military discounts came to an end. For example, while living in a military community, we had been getting discounts from civilian businesses out in town for our son’s toddler gym classes and our children’s haircuts. The same companies that provided those services are located in our new non-military area, but they are owned by different franchisees who do not offer military discounts. It did not even occur to us that we would lose those savings after we moved.

Is your military family transitioning to civilian life in the next 2 years or have you transitioned in the past 24 months? What did you wish you would have known? The National Military Family Association has launched a Transition Survey and wants to hear from YOU!

We know service members have transition support, but spouses do not. We are creating a military Spouse Companion to the Transition GPS program. Help us help military spouses like YOU! Hurry the survey closes on June 4. Oh, and by the way – for taking the survey you’ll be entered into a drawing to win one of three gifts cards! Don’t delay – take the Transition Survey today!

Mary-Cisowski-headshot-1Posted by Mary Benbow Cisowski, National Military Family Association Volunteer, USMC Spouse, Mom

Turning 65: Another milestone known as Medicare

Turning 65: Another milestone known as MedicareRecently, I began the rite of passage for another milestone in my life: turning 65. (And thank you to all those muttering under your breath, “I didn’t think she was THAT old!”) Armed with advice from my high school classmates via our reunion Facebook page and our Association’s website, I sat down at my computer to enroll in Medicare.

I was surprised by how easy it was to enroll online. My application was approved by the end of the week (which I could check online by using my confirmation number) and my Medicare card arrived in the mail a week later. Along the way, I learned a thing or two:

  • Somehow the whole world has received notice that you are soon turning 65. Every insurance company you’ve heard of and those you haven’t will start sending you information and calling you about Medicare supplemental insurance plans. Military retirees, their spouses, and survivors shouldn’t need those policies because they qualify for Tricare for Life, which picks up the cost shares not paid by Medicare. But, remember—to be eligible for TRICARE for Life, you MUST sign up for Medicare Part B!
  • You want to sign up for Medicare before you turn 65. If you wait until afterwards, not only will you turn 65 anyway (it’s inevitable), but you may also need to pay a penalty. I signed up in May before my August birthday.
  • You will start using Medicare at the beginning of your birth month. So even though you are not yet technically 65, Medicare thinks you are for part of the month.
  • You will need to get a new military ID card. My ID card was expiring in June so I thought I could kill two birds with one stone. I took my new red, white, and blue Medicare card with me in June to renew my military ID card. But all they did at the ID card facility was laminate my Medicare card and renew my “old” military ID card. I have to go back in August when I’m officially on Medicare. Then I’ll get a military ID card that doesn’t expire (and hopefully has a better picture).
  • You will need to update DEERS too.
  • It took me a while to discover how I was supposed to pay for my new Medicare Part B. (You don’t pay a premium for Part A.) If you’re already receiving Social Security, they deduct it from your paycheck. Otherwise, they send you a bill.

So now I’m waiting for August. 65!!! Yikes!

What milestone have you recently experienced in your journey as a military spouse? What advice do you have to share?

Susan-EversBy Susan Evers, Volunteer Services Coordinator, West Region