Money — Read This First
Name a Life Insurance Beneficiary
The single biggest money item here, and it is not something anyone carries in a folder.
Every service member is enrolled automatically in Servicemembers' Group Life Insurance (SGLI),
coverage up to $500,000, in $50,000 increments. The beneficiary is not named on paper —
it is set, and changed, online through the SGLI Online Enrollment System (SOES) inside milConnect at
milconnect.dmdc.osd.mil. A blank, stale, or wrong beneficiary is a half-million-dollar mistake
sitting there unnoticed. Current premiums run about 5 cents per $1,000 of coverage, plus $1 a month
for Traumatic Injury Protection (TSGLI). Read VA's own page:
va.gov/life-insurance/options-eligibility/sgli.
★ Check the beneficiary. Then check it again.
Legal
Get a Free Power of Attorney
This is the one that keeps bills paid and accounts open while nobody can take a call.
Every military legal assistance office will prepare a power of attorney (POA) free of charge — a
document that lets a parent or spouse pay bills, handle banking and insurance, and deal with
property while the service member is unreachable in training. A general POA covers a broad range of
matters; a special POA names one specific institution or transaction. Some banks and title companies
will not accept a general POA and insist on a special one naming them by name — ask the bank what it
wants before you need the document, not after. Read more:
militaryonesource.mil/financial-legal/legal/military-power-of-attorney.
★ Get it before they leave, not after something is already frozen.
Money
Get Paid Right, From Day One
- Direct deposit — write down the routing number and account number, not just the bank's
name. That is the piece that actually gets the paycheck moving; a direct deposit form is on the
official packing list.
- Health coverage — once on active duty, your service member enrolls in one of TRICARE
Prime, Prime Remote, Prime Overseas, or Prime Remote Overseas, depending on where they're
stationed. Decide on purpose what happens to any civilian health coverage instead of quietly
paying for a policy nobody needs anymore. See
tricare.mil/adsm.
★ Know the number, not just the bank.
Documents
Locate These Before They Leave
Find these, and put them where the Family can find them too.
- Confirmed Social Security card — the strongest item on this
list, confirmed on three separate official checklists.
- Confirmed Driver's license or state-issued photo ID
- If applicable Marriage certificate
- If applicable Dependents' birth certificates — original or
certified copies for any child under 18, plus a divorce decree or separation order if there is
one. These drive dependent pay and benefits enrollment.
- Confirmed Proof of citizenship, naturalization papers, or a
permanent resident card — for anyone not born in the United States.
- Confirmed The enlistment contract and every document the
recruiter or MEPS issued — MEPS is the Military Entrance Processing Station, where the
physical and the paperwork happen. Bring all copies.
- Confirmed High school diploma or GED, and original college
transcripts — these can affect starting pay grade and bonus
eligibility.
- Confirmed Immunization records
★ Paperwork now saves a problem at reporting.
Read Carefully
Four Items Worth a Closer Look
Your own birth certificate. Worth keeping in the family file, but I could
not confirm any official checklist that asks a recruit to bring their own. Every list I checked
asks for dependents' (children's) birth certificates instead. Keep it for other paperwork; just
don't expect it to be checked at the gate.
Names must match. Navy Recruit Training Command requires two forms of valid
photo ID, and the name has to match across all of them. A recent marriage or name change that
hasn't made it onto the Social Security card or the license yet is exactly the kind of thing that
stops someone at reporting.
- If applicable Passport — not required to report to basic
training, but the Navy accepts a U.S. passport as photo ID at reporting, and it will matter
later if orders send your service member overseas. Keep it where the Family can find it.
- Single source Eyeglass prescription — good practice to have
on hand, but the only document that mentions it is a single Air Force list last updated in 2016.
Confirm with the recruiter that it still applies.
★ Match the names before the ID check catches it for you.
One More Thing
Confirm the List With the Recruiter
Every branch does this a little differently. The Navy asks for immunization records and an exact
name match; the Air Force list doesn't mention either. Military OneSource asks for a diploma and
transcripts that the Navy list doesn't call for. I could not find a published document checklist for
the Coast Guard or the Marine Corps, so if that's the branch, ask the recruiter directly rather than
assume this list is complete for it.
★ This is a starting list. The recruiter has the final word.