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National Guard and Reserve


The term “National Guard and Reserve” refers to components of the United States military that consist of part-time members who serve both their state and federal governments. National Guard units perform state duties, such as disaster response, and can be called for federal service during national emergencies. Reservists uphold similar roles, but primarily serve as a federal force, available for mobilization during times of war or crisis.

Key Takeaways

  1. National Guard and Reserve members are eligible for various VA benefits, including home loans, education assistance, and pension benefits, once they meet the required service time and criteria.
  2. Members must complete a minimum of 20 service years and reach age 60 to qualify for the full range of retirement benefits, including TRICARE medical coverage and a monthly retirement pay.
  3. VA benefits may differ for National Guard and Reserve members when compared to active-duty veterans, so it’s essential to review and understand the specific benefits and eligibility requirements unique to each service component.


The VA benefits term “National Guard and Reserve” is important because it highlights the specific benefits and services provided by the Department of Veterans Affairs to the members of the National Guard and Reserve forces.

These brave men and women, who serve as vital components of our nation’s defense, often face unique challenges transitioning back to civilian life or dealing with the aftermath of their service.

Recognizing their valuable contributions and sacrifices, the VA extends special benefits to National Guard and Reserve veterans, such as education, healthcare, compensation, home loans, insurance, and employment assistance.

Ensuring that these individuals are aware of and have access to these benefits is essential for their well-being and successful reintegration into civilian life, ultimately strengthening and honoring their critical role in protecting our nation’s interests.


The National Guard and Reserve are essential components of the United States’ military structure, serving both federal and state missions. Their purpose is to be a well-trained and readily available force that can support and assist the active duty military personnel during times of war, national emergency, or domestic crisis. With a unique dual mission, the National Guard and Reserve are often called upon to serve domestically, providing aid during natural disasters, civil unrest, and other emergencies, as well as participating in overseas operations and missions as required by the Department of Defense.

This versatility allows for a more efficient and adaptable response to various situations, emphasizing the importance of the National Guard and Reserve forces in maintaining national security and supporting local communities. In appreciation of their service, members of the National Guard and Reserve are eligible for a variety of VA benefits. These benefits are designed to provide support and assistance to these servicemen and women, ensuring their well-being both during and after their military service.

VA benefits for National Guard and Reserve members can include education and training assistance, home loans, healthcare services, and disability compensation, amongst others. Additionally, the VA also extends certain benefits to the family members of these service members, acknowledging the sacrifices borne by military families. By offering comprehensive benefits, the VA aims to improve the quality of life and promote the reintegration of National Guard and Reserve members after they have fulfilled their military duties, ultimately expressing gratitude for their service and strengthening the bond between the military and civilian communities.

Examples of National Guard and Reserve

Educational Benefits: National Guard and Reserve members may be eligible for educational benefits, such as the Montgomery GI Bill (MGIB) for Selected Reserve and the Post-9/11 GI Bill. These programs offer financial assistance to cover tuition, books, fees, housing, and other training or education-related costs, allowing service members to pursue higher education or vocational training to advance their careers.

Retirement Benefits: National Guard and Reserve members can accrue retirement points through active or inactive-duty service, such as participating in weekend drills and annual training exercises. Upon reaching 20 qualifying years of service and meeting age requirements, they can receive retirement pay benefits from the Department of Defense. They may also be eligible for health and life insurance benefits under the TRICARE Retired Reserve program.

Home Loan Benefits: National Guard and Reserve members who have completed six years of service and fulfill other eligibility requirements can apply for a VA home loan, which is a mortgage guaranteed by the U.S. Department of Veterans Affairs. This program offers competitive interest rates, low or no down payment, and no private mortgage insurance requirement, making it easier for service members to purchase or refinance a home.

National Guard and Reserve VA Benefits FAQ

1. Who is eligible for VA benefits in the National Guard and Reserve?

Members of the National Guard and Reserve may qualify for VA benefits if they have completed the necessary service requirements, including active-duty service in both peacetime and wartime. Benefits eligibility may also depend on factors such as the type of discharge received and the specific benefit program being pursued.

2. Do National Guard and Reserve members qualify for the GI Bill?

Yes, National Guard and Reserve members can qualify for GI Bill benefits if they meet eligibility requirements. The Post-9/11 GI Bill is available for those who have served on active duty for at least 90 days since September 10, 2001. The Montgomery GI Bill – Selected Reserve (MGIB-SR) is available to eligible members of the Army, Navy, Air Force, Marine Corps, and Coast Guard Reserves, as well as the Army and Air National Guard.

3. Can National Guard and Reserve members receive VA home loans?

National Guard and Reserve members may be eligible for VA home loans if they meet specific service requirements, including at least 90 days of active-duty service (for wartime service) or at least six years of service in the Reserves or National Guard. Additionally, they must have an honorable discharge or be released from active service with an honorable record.

4. What healthcare benefits are available to National Guard and Reserve members?

Veterans Affairs offers a wide range of healthcare benefits to eligible National Guard and Reserve members, including hospital, outpatient, and wellness services. Eligibility depends on factors such as active-duty service, combat service, exposure to Agent Orange or other environmental hazards, and more. To fully understand healthcare benefits and eligibility, it is best to consult with a VA representative or visit the VA’s website.

5. Are there any special programs or benefits for National Guard and Reserve members who have served in combat?

Yes, several special programs and benefits are available for National Guard and Reserve members who have served in combat. These include Combat-Related Special Compensation (CRSC), which provides monthly payments to qualified veterans with combat-related disabilities, and the VA’s Vet Center Program, which offers counseling, outreach, and referral services to veterans who have served in combat theaters or experienced military sexual trauma.

Related VA Benefit Terms

  • Drill Pay and Allowances
  • TRICARE Reserve Select
  • GI Bill Education Benefits
  • National Guard and Reserve Retirement
  • Employer Support of the Guard and Reserve (ESGR)

Sources for More Information

  • National Guard – Official website of the US National Guard.
  • U.S. Department of Veterans Affairs – Official website of the U.S. Department of Veterans Affairs, providing information and support for veterans and their families.
  • U.S. Department of Defense – Official website of the U.S. Department of Defense with information on Guard and Reserve programs.
  • Military OneSource – U.S. Department of Defense funded resource providing information and services to support military members and their families, including National Guard and Reserve members.