Here's how a government shutdown would affect military families

military-commissary

Although all indicators right now point to no government shutdown, there’s still a chance lawmakers won’t get their acts together before midnight on October 1. If they don’t pass a bill funding the government by that time, we’ll be looking at a government shutdown. That makes it a good idea for military families to figure out what, exactly, a shutdown will mean to them. Here’s the deal:

Military Pay
Yes, your active duty service member still has to go to work during a shutdown. No, he might not get paid for it until later.

Unless congress passes a law funding pay for active duty military members during a shutdown like they did in 2013, a government shutdown would mean no paychecks starting October 15 (if the shutdown were to last that long). It could probably also mean canceled drill for National Guard and Reserve members (and, therefore, no drill pay).

Starting to freak out about how you’re going to cover your bills during that time? Several banks, like USAA, are planning to offer their active duty users interest-free pay advance loan in the event of a missed paycheck. USAA officials said they will work with their members on repayment details should this become a needed option.

Military Commissaries
Just like in 2013, most military commissaries would close in the event of a shutdown. Rural and overseas stores, however, would stay open according to a DoD memo issued late this month.

Although officials at the Defense Commissary Agency (DeCA) haven’t given specific details, the process would probably work much as it did in 2013. At that time stores were open on October 1 but shuttered October 2. They were closed five to six days until the DoD ordered civilian employees back to work.

Like last time, the commissary is unlikely to put food on clearance in preparation for the closures. (That probably won’t keep shoppers from rushing the stores, though, like it’s the beginning of some kind of serious chicken shortage.)

Because military exchanges aren’t run through taxpayer dollars, they will still be open.

Military Hospitals and Healthcare
According to a memo issued by the DoD, the only hospital activities that will continue in the event of a shutdown are: inpatient care at military treatment facilities (MTF), emergency and acute care at MTFs and active duty dental clinics, any care provided off-base by Tricare (at civilian, non-MTF clinics) and wounded warrior medical care.

That means if you have an appointment at a clinic at an MTF with your primary care provider or a specialist, it’s not going to be happening during a shutdown.

On-Base Schools
If your kid attends a DoD Education Activity (DoDEA) school, he will continue to go if there is a shutdown. However, all outside school hours activities, like sporting events, will be canceled, according to the memo. The only exception would be if the event is funded by non-taxpayer money, such as through an outside sponsorship or through MWR.

On-Base Childcare and Recreation
This is a tricky category. The DoD said childcare centers will definitely stay open, but MWR activities (and employees) will only keep working if they are totally funded by non-tax payer dollars.

The snag here is that MWR does functions regularly with a little book-keeping switcheroo where they convert tax-payer money into their non-taxpayer fund accounts to help with cash flow. That’s completely well and good normally, but in the event of a shutdown it means that any activities funded with that money have to stop.

That means some of the MWR closures will be on a case-by-case basis. In 2013, for example, we saw that many on-base libraries closed while many on-base gyms remained open. This one is going to be more of a wait and see.

Military PCS Moves and TDY Travel
Unless you’re supporting one of the exempted activities (and the best thing to do is to ask your chain of command if that’s the case) your military move will be postponed your TDY canceled.

More from Military.com

This article originally appeared at Military.com Copyright 2015. Follow Military.com on Twitter.

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