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Page Title: Advances of Pay
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ADVANCES OF PAY If you receive permanent change of station (PCS) orders to a location outside your current geographical area,  your  commanding  officer  can  authorize  an advance of pay not to exceed 1 month’s basic pay less the following: Income tax withholdings FICA tax deductions Scheduled  liquidation  of  any  indebtedness (including  any  unliquidated  amount  resulting from   an   advance   previously   made   on   a different set of PCS orders) Servicemen’s  Group  Life  Insurance  (SGLI) premiums, if applicable In   cases   involving   extreme   hardship,   your commanding  officer  may  authorize  up  to  3  months advance pay less deductions. DFAS-CL  will  withhold  part  of  your  pay  each payday until the advance is repaid.  The advance must be fully liquidated within 12 months (starting on the 15th of the month following the month in which the advance was made) or before your projected rotation date (PRD).   You can repay the entire balance of the advance  any  time  during  this  12-month  period.    In certain cases the commanding officer can authorize an extension  of  the  repayment  schedule  to  24  months. Advance pay is often referred to as a “dead horse.” PERSONAL FINANCIAL RESPONSIBILITY Commanding officers should not act as agents for claimants   in   business   transactions   or   claim collections.   Normally, the commanding officer only ensures  that  the  claimant’s  communication  reaches the   right   person   and   that   the   person   responds promptly.     Commanding  officers  will  not  tolerate actions of irresponsibility, gross carelessness, neglect, or  dishonesty  in  the  financial  dealings  of  their personnel.    Federal  law  allows  garnishment  of  your pay if you fail to pay your federal taxes, court-ordered child support, or alimony. If  evidence  indicates  an  officer  is  negligent  or careless   in   attending   to   personal   finances,   the commanding  officer  will  make  an  appropriate  entry on  the  officer’s  fitness  report.    If  the  circumstances meet  certain  criteria,  the  commanding  officer  may recommend trial by court-martial.  When finances are extensively involved, the officer may have to submit a monthly statement of indebtedness and show positive intentions  in  fulfilling  unpaid  obligations.     Article 6210140 of the  MILPERSMAN  outlines Navy policy on personal indebtedness. DEPENDENT IDENTIFICATION CARDS (DD-1173) Persons  dependent  upon  you  for  more  than one-half  of  their  support  normally  qualify  for  a number  of  benefits.     Your  dependent  must  have  a valid dependent identification card to qualify for the following benefits: Medical  care  at  uniformed  services  facilities and  Civilian  Health  and  Medical  Program  for Uniformed Services (CHAMPUS) facilities Commissary, exchange, and theater privileges Special privileges overseas NAVMILPERSCOMINST   1750.1   explains dependent  identification  card  application  procedures and associated benefits. MEDICAL CARE FOR DEPENDENTS Another benefit for your dependents is the medical care protection provided under the Uniformed Services Health  Benefits  Program  (USHBP).    SECNAVINST 6320.8 describes this program in detail.  To ensure your dependents receive care under this program, you must enroll  them  in  the  Defense  Enrollment  Eligibility Reporting   System   (DEERS). DEERS   has   two objectives.   Its first objective is to collect, and provide for management’s use, demographic and sociographic data  on  the  population  entitled  to  receive  DOD benefits.   Its second objective is to prevent misuse of these medical benefits. The USHBP provides for comprehensive medical care  in  military  medical  facilities.    The  CHAMPUS portion  of  the  USHBP  also  covers  most  civilian medical  care  accepted  as  good  medical  practice. Excluded  are  domiciliary  or  custodial  care,  routine physical  examinations  or  spectacles,  prosthetic appliance devices other than artificial limbs and eyes, and   routine   dental   care. USHBP  makes   some exceptions to these exclusions. Table   4-1   provides   a   breakdown   on   the Uniformed  Services  Health  Benefits.     A  pamphlet entitled   CHAMPUS   gives  additional  information concerning  USHBP.    You  may  obtain  this  pamphlet 4-8

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