Updated 4/8/11 1:45pm

Updated 4/8/11 6:31pm

Paying your Bills with a Government Shutdown

Found on the following website:
http://www.dodlive.mil/index.php/2011/04/financial-difficulties-
service-members-act-helps-find-you-relief/

If a service member misses a payment because of pay disruptions caused by the shutdown of the federal
government, then this section should provide relief. Service members should contact their lenders or the other party
to their contract or obligation and request relief under this section.

See your local legal assistance attorney if you cannot get the matter resolved. You can find the closest legal
assistance office at http://legalassistance.law.af.mil/content/locator.php .

Statement on Possible Government Shutdown

Found on the following website: http://www.dfas.mil/

Customer Service 1-888-DFAS411

The Administration hopes that a government shutdown can be averted, so that

servicemembers and DoD employees can be paid in full and on time. If the funding bill is
enacted at the last minute, it is possible that payroll payments could be split into two
electronic deposits or checks, but the total amount normally paid will not be affected.

If a funding bill is not passed, resulting in a government shutdown, the Department of

Defense will have no legal authority to pay military members or civilian employees for the
days during which the government is shut down. The current Continuing Resolution Act
(CRA) expires at midnight on April 8. Active and Reserve military members will be paid on
time for pay earned prior to the expiration of the CRA -- approximately half of their normal
mid-month payment. Civilians will be paid for each day worked through Friday, April 8.
Because the normal pay period ends Saturday, April 9, this will usually equate to a full
paycheck. The shutdown will not affect payments to retirees or annuitants because they are
not paid from CRA appropriations.

Once another CRA or an appropriations act is signed into law, normal disbursement of pay
will resume for pay earned after employees return to work. Excepted employees who
perform duty during the shutdown will be entitled to retroactive payments, as will
servicemembers. For furloughed employees, Congress will have to provide authority for
retroactive payments to be made.

For additional information on how a government shutdown could affect your pay, please
view ourFrequently Asked Questions.
 How a Shutdown Impacts the GI Bill
Found on the following website:
http://www.facebook.com/notes/the-post-911-gi-bill-us-department-
of-veterans-affairs/how-a-shutdown-impacts-the-gi-bill/10150261533554852

We understand you have many questions during this time of uncertainty. We wanted to make sure we were able to give you
a reasonable explanation before posting anything about a potential government shutdown. We hope the following
information addresses your concerns.

If the Federal government shuts down and we are furloughed , services related to all GI Bill education benefit programs

will be impacted as follows:

 The GI Bill information line (1-888-GIBILL-1) will be suspended;

 Maintenance, including updates, announcements and modifications, to the GI Bill website (gibill.va.gov) and Facebook page
(facebook.com/gibilleducation) will be suspended;

 Work will not be completed on any new application or any enrollment certification received during a shutdown. We will not
process payments for any education benefit program, including the Post-9/11 GI Bill, if your school certifies your enrollment
to us during a shutdown;

 Only applications and enrollment certifications received and completed before a shutdown will be paid. You will still receive
your living allowance through the end of your most recently certified period of enrollment.

If there is a shutdown and we are furloughed, we will be unable to post any information until we are reinstated. We promise

to update you as soon as we can!

For more information please see our Veterans Field Guide at the link below.

LINK: http://www.va.gov/FieldGuide_Flyer_Final_6261.pdf

BUPERS/NPC Continuity of Operations Plan

Found on the following website:
http://www.npc.navy.mil/AboutUs/NPC/PublicAffairs/GovtShutdownInfo.htm

In the event of a government shutdown, BPM/NPC capabilities and services will continue at reduced
capacity using assigned military personnel with the following exceptions:

 Selection Boards will cease and current members will return to home base
 BUPERS Inspector General will suspend operations
 BUPERS 05 manpower will continue support for identification of BSO 22 individual
augmentation requirements
  BUPERS 1/Navy Personnel Research, Studies, and Technology (NPRST) will suspend operations
except maintaining RDTE network security updates

Civilian Personnel Information:

How does the government furlough affect civilian personnel?

Please visit the U.S. Office of Personnel Management "Guidance and Information on Furlough"
at http://www.opm.gov/furlough2011/

Resources/Guidance

 DoN HR Website (Civilian Information)

 NPC Customer Service Center (reduced capacity)
1-866-U-ASK-NPC (866-827-5672) email
 NSA Mid-South Website
 Facebook - Navy Detailers (FB account not required to view)
 Facebook - NSA Mid-South (FB account not required to view)
 Message to DoD Workforce on Potential Government Shutdown

Frequently Asked Questions (FAQs)

 BUPERS/NPC GOV Shutdown FAQs

 DON Civilian Human Resources FAQs and Fact Sheets
 DFAS FAQs

Relief societies ready to help in shutdown

Found on folloing website: http://www.navytimes.com/news/2011/04/military-relief-societies-ready-to-
help-in-shutdown-040711/

Military relief societies are poised to help service members and their families in the event of a government shutdown
that interrupts military pay.

Officials for the relief societies stress that they aren’t able to ―backfill the entire payroll,‖ but they can help with quick
loans for emergency necessities such as food and gasoline until pay resumes.

The societies remind service members and families who are not near an installation — or who can’t get in touch with
their installation’s relief society — to contact their local chapter of the American Red Cross, which has reciprocal
agreements with all the military relief societies. The societies also have reciprocal agreements with each other, too,
so that soldiers who are near a Navy base can seek help from the Navy-Marine Corps Relief Society, for example.

What the relief societies are doing to prepare:

•Navy-Marine Corps Relief Society offices will remain open and operate on normal hours, said retired Cmdr. John
Alexander, spokesman for the society. Since the nonprofit society staffs its own offices, government employees are
not an issue.

If there is an interruption to military pay, NMCRS will help with rapid, short-term, interest-free loans for necessities
such as food and gasoline. ―This situation will be treated as we would a natural disaster, requiring rapid financial
assistance without reviewing budgets or providing financial counseling,‖ Alexander said. ―We will respond to clients’
needs as quickly and efficiently as possible.‖

Pre-approved financial assistance — $300 for single sailors and Marines, and $600 for families — will be in the form
of a check. Clients need only show a military ID card and sign a repayment document.

•Army Emergency Relief officials are looking at contingency plans on how to expedite help for those who need it for
emergencies. The systems are in place; officials are making sure they can handle large numbers of requests quickly,
said retired Col. Andrew Cohen, deputy director for finance and treasurer for the relief society.

They are awaiting guidance from the Army as to whether some AER capability will be declared mission essential, and
whether Army civilians who provide the AER functions will be allowed to keep working. In some areas, active-duty
soldiers provide the service, generally at family centers on Army installations.

•Air Force Aid Society officials are making sure installations have enough checks, said retired Air Force Lt. Gen. John
Hopper Jr., chief executive officer. ―We’ll probably resemble business as usual. We can’t backfill the entire payroll,
but if service members and families have emergency issues, we’ll be there.‖

Air Force Aid Society offices are located on Air Force bases, generally in the Airman and Family Readiness Center,
and staffed by the Air Force, similar to Army Emergency Relief. Hopper said he believes personnel will be available,
such as the readiness NCO, to do business for those who need help.

In The Event of a Government Shutdown

Found on the following website: http://www.slideshare.net/mcponpao/in-the-event-of-a-government-
shutdown-7555784

“The department remains hopeful that a government shutdown will be averted. However, prudent
management requires

that we plan for an orderly shutdown should Congress be unable to pass a funding bill.”

- Deputy Secretary of Defense William J. Lynn III

The Department of Defense is currently operating under a Continuing Resolution (CR), which essentially
continues funding for most programs at the Fiscal Year 2010 level. The CR extends authorizations
continuing operations through midnight on April 8. If the current continuing resolution expires at 12:01
a.m. on April 9, 2011 without passage of an FY 2011 appropriations bill or a further continuing
resolution, Federal departments and agencies will be required to execute contingency plans for a lapse
in appropriations (more commonly referred to as a "shutdown").

If a shutdown were to occur, the Navy would retain the ability and authority to continue to protect the
nation’s vital interests around the world, to safeguard the nation's security, and to execute the
operations we're conducting right now, including in Libya and humanitarian aid missions in Japan.

Active-Duty and Reserve Component Sailors

�Active-duty and activated Reservists on orders will be required to report to work and will continue to
earn wages in the event of an April 8 shutdown of the federal government, however they would have to
wait to collect wages until Congress passes and the President signs a new appropriation or continuing
resolution.

�Further guidance for military personnel will be communicated upon approval.

Department of the Navy Civilians

�All civilian employees are expected to report to work on their next regularly scheduled workday to
conduct an orderly shutdown.

�Civilian employees whose salaries are funded through annual appropriations will not be able to work
and will be furloughed, unless their duties qualify under the law as "excepted" (or “exempted”) to
continue to work during periods of lapsed appropriations.

�During a shutdown, non-excepted employees are not permitted to work as unpaid volunteers for the

government.

�Federal agencies do not have the authority to pay their employees during a shutdown, regardless of
whether the employees are working as "excepted" or furloughed as "non-excepted". "Excepted"
employees will receive pay for hours worked when the Congress passes and the President signs a new
appropriation or continuing resolution. Congress will also determine whether non-excepted employees
will receive pay for the furlough period.

�Excepted activities will include inpatient and essential outpatient care in DoD medical treatment
facilities; emergency dental care; non-appropriated funds activities such as mess halls and child care
activities; certain legal activities to support ongoing litigation and legal assistance for deployed DoD
personnel.

Key Messages Facts & Figures

�Navy personnel are encouraged to refer to the ASN(FM&C) website, www.finance.hq.navy.mil/fmc/,

for updated guidance on the government shutdown. �Lawmakers have until April 8th at midnight to
either approve a new spending bill or pass another CR.

�The Navy will continue to plan for a shutdown, while supporting its people and conducting current
operations.

�In addition to the ASN (FM&C) website visit: http://www.opm.gov/furlough2011/, the Navy

Facebook and Twitter pages for the latest guidance. �If there is a government shutdown, the Navy-
Marine Corps Relief Society will remain open. In the event there is an interruption to military pay, the
Society will be prepared to assist with rapid, short-term, interest free loans for essential items.

Exchanges Plan to Stay Open During Shutdown

Found on the following webpage: http://www.defense.gov/news/newsarticle.aspx?id=63480

Army and Air Force Exchange Service Public Affairs

DALLAS, April 7, 2011 – The Army and Air Force Exchange Service plans to continue operations in the event of an
April 8 federal government shutdown, according to a news release issued today.
The exchange service is a non-appropriated fund activity. This means the majority of its budget does not rely on tax
dollars, Army Col. Virgil Williams, the exchange service’s chief of staff, said in the release.
If ―the federal government shuts down, business at the exchange remains largely unchanged,‖ Williams said.
However, he added, some exchange transactions may be delayed, such as the purchase of firearms which require
background checks or other federal government actions.
And in the event of a shutdown, the exchange ―will do everything we have to do to continue to support the deployed
troops," Williams said.

FAQs Regarding Possible Government Shutdown

Found on the following webpage: http://www.facebook.com/notes/navy-marine-corps-relief-society-
greater-san-diego-region/faqs-regarding-possible-government-shutdown/190759577633859
Q: What policy is NMCRS following?
A: NMCRS will be following general disaster relief policy – which is to meet the immediate needs of its clients with a
no-interest loan.

Q: During the period that military pay is affected, will Quick Assist Loans (QAL) be available?
A: No. The QAL program will be suspended during this period.

Q: What amount of assistance will be provided?

A: Assistance will be provided as a no-interest loan: $300 – Individual and $600 – Family.

Q: Will I need to do a budget?

A: A budget will not be required.

Q: Will a spouse need a Power of Attorney (POA)?

A: Disaster relief policy guidelines do not require a POA.

Q: How do I contact my local NMCRS office?

A: Go to http://www.nmcrs.org/locations.html
Navy Federal Contingency Plan
Found on the following webpage: https://www.navyfederal.org/about/government.php

For over 75 years, Navy Federal has been there to serve its members' financial needs. If a government shutdown does occur, your
credit union has programs in place to help you through this time of uncertainty. Here are some topics that may be of interest in
the event of a government shutdown.

Help with day-to-day expenses. We have many options to help you through a shutdown and beyond.
 Navy Federal will cover the 15 April payroll for those active duty members who have their direct deposit
of pay at the credit union. Details regarding subsequent adjustments concerning the 30 April pay will follow.
 Civilian employees of the Department of Defense who are paid through DFAS and have their direct deposit of
pay established with Navy Federal will also receive advanced pay for the first scheduled payday after the
government shutdown.
 Overdraft options: Checking Overdraft Line of Credit, with expedited approvals for lines up to $500 and regular
lines available up to $10,000. Or Optional Overdraft Protection Service (OOPS), providing up to $500 overdraft
coverage for your debit and ATM transactions, checks and bill payments.
 Credit cards: Expedited approvals for line increases for your existing Navy Federal credit card. You may also
want to take advantage of our special no-fee balance transfer offer to open a new credit card.
 Personal loans: Share Savings and Certificate Pledged loans can provide instant funds without dipping into
savings accounts. Rates are set at the share or certificate rate plus 2%. Personal expense loans with no collateral
are also available.
Credit card and loan payments. We understand that timely loan payments may be a concern for those members whose
government paychecks are suspended. Please call or visit a branch for personal assistance if you have a concern.
Navy Federal operations. All branches will remain open, including those on base (unless otherwise directed by base
commands). 24/7 telephone support is available worldwide at 1-888-842-6328 (overseas, call collect at 1-703-255-8837). ATMs,
Navy Federal Online® and mobile banking will all be operating normally. For those not already signed up, mobile banking alerts
can provide timely deposit, withdrawal and balance information. Sign-up is quick and easy.
Navy Federal remains hopeful that a government shutdown can be averted. At the same time, we wish to reassure all members
that we are here to support you as needed. Just call 1-888-842-6328 (overseas, call collect at 1-703-255-8837), visit a branch,
or apply for a loan online.

USAA Is Prepared to Help Members Affected by a Government Shutdown

Found on the following website:
https://www.usaa.com/inet/ent_blogs/Blogs?action=blogpost&blogkey=newsroom&postkey=usaa_gov
ernment_shutdown

We continue to hope a government shutdown will be averted. USAA is committed to being there for our

members when they need us the most.

USAA stands ready to help federal government employees who might face financial challenges from missed

federal pay as a result of the shutdown, and we are prepared to discuss possible options to help them

protect their financial security. Some options include payment deferrals, flexible payment arrangements,

term modifications and fee waivers. As always, USAA members can sign up for free overdraft protection at

any time.
 Affected members can contact USAA at 1-800-531-USAA (8722) to discuss which options might be

available.

In the meantime, as consumers make decisions they can refer to these articles:

 7 Strategies for Getting by Without a Paycheck

 12 Common Scams that Threaten your Wallet

We value all the feedback and questions we are receiving from our members, and we will continue to work

with our members to help them through this potential crisis.

Continuing Family Support During a Government Shutdown

Found on the following webpage: http://www.dodlive.mil/index.php/2011/04/continuing-family-
support-during-a-government-shutdown/?sf1296914=1

Military Community and Family Policy provides quality of life programs to service members and their families
worldwide. Our programs and services range from commissaries, exchanges and MWR to child and youth centers,
family programs and centers, and family advocacy.

A shutdown would furlough much of our global workforce and affect programs, some more than others. We have
identified those family support missions and functions that will continue during a shutdown.

Here is a list of some of our programs and how they would operate:

 Department of Defense Education Activity – DODEA – Schools will remain open.

 Commissaries will remain open world-wide.
 Exchanges will remain open world-wide.
 Child Development Centers will remain open with priority given to service members and DoD civilians
supporting mission-essential operations.
 Family Support Center staffing will be determined by installation commanders.
 Military OneSource’s website and call center will remain fully operational.
 Military Family Life Counselors are available and will telework if access to offices is prohibited.
 Family Advocacy Program Each Service will determine staffing at each installation.
 MWR – Morale Welfare and Recreation programs will close. However, installation lodges will remain open.
 Education Centers for Family Members and Service Members will be closed. This includes counseling
services, testing centers, learning centers and computer labs. Tuition assistance will not be authorized or
granted.
 MyCAA – Military Spouse Career Advancement Accounts will remain available and are unaffected by the
furlough.
Information about other important services:

 On-Installation Banks and Credit Unions will remain open for business to provide normal services. They
can also provide free financial education and counseling.
  Service members who encounter financial difficulties caused by the shutdown are eligible for support through
the Servicemembers Civil Relief Act and financial aid from service organizations.
We at MC&FP serve more than 2.2 million uniformed service members, 1.1 million civilian spouses and 1.8 million
military children. Your care and support is a top national security priority, and it’s our mission.

What advice do you have for other military families in the event of a government shutdown? Join ourdiscussion to
share your advice and questions. Thank you.