The SCRA for the Guard & Reserve

Are you covered right now

For the Guard and Reserve, coverage depends on your order type. Title 10, Title 32, and state active duty each protect you differently, and the shield can switch off between activations.

• Guard & Reserve SCRA: Title 10 vs 32 vs State Duty

  Whether the SCRA covers you depends on your orders. Title 10 = full SCRA. Title 32 only at 30+ days for a national emergency. State duty = no federal SCRA.

• SCRA Eligibility: Who Qualifies, When It Starts & Ends

  Active duty, Guard, Reserve, spouses: who gets SCRA protections, what paperwork proves it, and the exact windows for each benefit.

• Does the SCRA Cover Veterans? What Survives Separation

  The SCRA is active-duty law, so most protections end when you separate. But five post-service windows keep paying. What survives, what dies, and the deadlines.

Prove your status

Before a lender applies the cap or a court grants a stay, someone has to verify you were on orders. Here is how they check, and how you pull the certificate that settles it.

• How Lenders Verify SCRA Status (and Prove Yours)

  Lenders check military status through one free DoD database. So can you. Pull your own DMDC certificate and hand a creditor the proof when they deny a benefit.

• How to Pull & Read Your DMDC SCRA Certificate

  Step-by-step walkthrough of scra.dmdc.osd.mil: pull a free single record, read every field on the certificate, and use it to make a creditor honor the SCRA.

Get paid every activation

Each activation restarts the clock on the 6% cap and the rest of the protections. Run the cycle right and every set of orders is money, not just a disruption.

• The Guard & Reserve SCRA Cycle: Get Paid Every Activation

  Guard and Reserve members get a fresh 6% cap with every qualifying activation, starting the day orders arrive, not the day you report. The full cycle.

Your state stacks more on top

Many states extend SCRA-style protection to their own state active-duty orders, which is exactly the coverage the federal law can leave out. See what your state does for Guard and Reserve members called up by the governor.

Browse the state directory →

Check your coverage and the numbers

Confirm whether your orders qualify, then see what the cap is worth and generate the letter that invokes it.

Eligibility checker → · Savings calculator → · Rate-cap letter generator →