Pay and Benefits
Officer pay is based on rank and time in service.
The figures below are for an Ensign (O-1) with no prior service, as of January 2020.
| Basic Pay | $3,287 |
|---|---|
| Basic Allowance for Subsistence1 | $256.68 |
| TOTAL | $3,543.68 |
Married officers also receive a monthly Basic Allowance for Housing (BAH)1 while at New London. The amount of BAH varies with duty station location and/or the location of the officer's dependents.
While at BOTC, room is provided at no charge. You must reimburse the government for meals.
| Basic Pay | $3,287 |
|---|---|
| Basic Allowance for Subsistence1 | $256.68 |
| BASIC ALLOWANCE FOR HOUSING1 | Varies by location, see examples below. |
| CAREER SEA PAY | Varies by seagoing time |
| Dive Pay | $240.00 (Only for Qualified Divers if Requirements are Met) |
| Aviation Incentive Career Pay | Varies (Only for Qualified Aviators) |
| Total | $3783.68 + Pays & Allowances the Officer Qualifies for |
Basic Allowance for Housing
Single officers not living aboard ship, and married officers receive a monthly Basic Allowance for Housing1. The amount varies based on the ship's home port.
| Homeport | Officer without dependents | Officer with dependents |
|---|---|---|
| Norfolk, VA | $1551.00 | $1671.00 |
| Newport, OR | $1716.00 | $1389.00 |
Other benefits include:
- 30 days of paid vacation each year
- Retirement with pension after 20 years of active duty service
- New Blended Retirement System
- Comprehensive medical and dental coverage
- Department of Veterans Affairs (VA) benefits
- Military exchange and commissary privileges
- Option to enroll for the following benefits:
- $400,000 term life insurance at a cost of $27.00 per month; (lower coverage amounts may be selected, and coverage for spouse and children is also available)
- Thrift Savings Plan [similar to 401(k) Plan found in private sector]
- 9/11 GI Bill Education Benefit Program
- Long Term Care Insurance(various options/premiums)
For more information about pay and benefits, see Pay and Benefits under the Commissioned Personnel Center section.
- 1
- Tax-Free Allowance (not subject to Federal or state income taxes)
