UNSUNG HEROES: MILITARY FAMILIES AFTER TEN YEARS OF WAR

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1 UNSUNG HEROES: MILITARY FAMILIES AFTER TEN YEARS OF WAR December 2011 When service members enlist, their families enlist with them. Through two of the longest wars in American history military families have braved unique challenges with the same strength and resilience as their loved ones fighting overseas. A small minority in 2009 there were just over three million military spouses, children and adult dependents they have shouldered the burdens of war for ten years with courage and dignity. And, just like their service members, they have earned the appreciation and support of their fellow Americans as they deal with the challenges that come from a decade of war. IAVA s PRIMARY RECOMMENDATIONS Iraq and Afghanistan Veterans of America is dedicated to supporting the veterans of these wars and their families. Some of IAVA s primary recommendations to strengthen military families include: Make licenses and certifications more portable and uniform across state lines to improve military spouse employment. Improve access to affordable and high- quality childcare services, especially for military families who live off base and have fewer available options. Enforce stricter monitoring of lending practices to prevent predatory and abusive lending by loan agencies to service members and their families. Issue a nation- wide call to recruit mental health professionals and improve training for mental health service providers to better understand the specific needs of service members and nuances of military culture. Make graduation requirements more uniform across states so that military children are able to transfer more easily during frequent moves without falling behind. Employ advocacy campaigns to raise awareness about the unique challenges facing military families and what the general public can do to help. 1

2 THE ECONOMIC AND EDUCATIONAL IMPACT OF SERVICE ON FAMILIES On top of the normal challenges of modern life mortgages, childcare, car payments, and other expenses military families must also deal with multiple moves and deployments that can hinder military spouse employment and educational opportunities. Moreover, the economic downturn has been difficult for all Americans, but it has been particularly tough for military families. Military Spouse Unemployment o Spousal employment is one of the most important issues facing military families today. 1 As of June 2011, the unemployment rate among all military spouses, including both male and female partners, was 26 percent. 2 o Frequent moves are a big challenge for military spouses. In one survey, almost one- fifth of military spouses said that difficulty transferring licensure and credentials was an obstacle to employment. 3 o Underemployment is also a significant problem. In 2010 RAND found that about 20 percent of military wives had jobs that didn t match their level of education and experience, whereas only two to four percent of civilian wives had this problem. 4 Moreover, there was a 35 percent gap in full- time employment between military wives and their civilian counterparts. 5 Spouses Educational Challenges o Military spouses often struggle with education. The cost and frequent moves make it difficult for military spouses to earn a degree. 6 Military spouses tend to take longer to complete a degree than they planned in fact, over 30 percent take 5 years or more to complete a degree. 7 Children s Educational Challenges o Frequent moves are one of the most disruptive features of military children s educational experiences. On average, military children transfer between six and nine times during their years in the education system. 8 o The cumulative length of deployment is more strongly related to children s achievement problems than the number of deployments. Students with a parent deployed longer than 19 months cumulatively have lower test scores than students who had a parent deployed less than 19 months or did not have a parent deploy at all. The increase in responsibilities at home during parents deployment is also likely to have a negative impact on students academic performance. 9 o Efforts have been made to improve education programs for military children. However, graduation requirements are not uniform and only 36 states have signed the Interstate Compact on Educational Opportunity for Military Children that works to unify the education requirements. 10 Childcare 2

3 o Childcare is a critical issue for military families. Childcare availability and schedule options are often limited, and deployments quickly change needs. During deployments, 49 percent of military family members indicated that childcare was their top priority. 11 o Almost one- third of families in a 2006 study indicated they would likely or very likely leave military service due to childcare- related concerns. 12 Mortgages and Foreclosure o Military families have been hit hard by the foreclosure crisis. Foreclosures in military zip codes increased 32 percent between 2008 and More than 20,000 service members had their homes foreclosed on in Financial Literacy o A 2010 study found that around 27 percent of service members who responded had more than $10,000 in credit card debt, whereas only 16 percent of civilians had credit card debt exceeding that amount. 14 The study also found that more than one- third of military families surveyed indicated that they had trouble paying monthly bills, and over 20 percent reported borrowing outside of banks. 15 Predatory Lending o Payday lenders and other lending companies prey on military families financial vulnerability. They tend to locate near military installations there is a much greater density of payday lenders per capita near military bases than other areas. 16 o Congress has worked to address this issue. The FY 2007 National Defense Authorization Act made it illegal to exploit military families by targeting interest rates that were reaching as high as 780 percent and making it illegal to charge rates exceeding 36 percent APR, which is still quite high. 17 The Dodd- Frank Wall Street Reform and Protection Act of 2010 included additional provisions to encourage competition with payday loans by providing incentives to lenders who provide financial literacy and educational opportunities to borrowers. 18 3

4 THE STRAINS OF THE DEPLOYMENT CYCLE Ten years of war have resulted in an increased deployment cycle, more injuries, and consequently greater stress on military families. Although military families are resilient, they face increased risks of mental health injuries, divorce, intimate partner violence and substance abuse. Deployment and military life can have a negative impact on the lives of the approximately 2 million military children, including mental and behavioral health issues, maltreatment and education setbacks. Invisible Injuries o Some service members suffer both visible and invisible injuries that can have a devastating impact on their families. Studies found that between percent of OEF/OIF service members could be suffering from Post- Traumatic Stress Disorder (PTSD) and/or depression. 19 o A large study of military spouses found that 36.6 percent of respondents whose husbands were deployed had been diagnosed with at least one mental health disorder. The most frequent problems reported were anxiety, depression and sleeping difficulties. 20 o One 2009 study found that up to one- third of children between the ages of five and twelve who experienced parental deployment had a high likelihood of developing social and psychological problems. 21 Divorce o Military families have faced an increased divorce rate since the wars began. The divorce rate among service members overall was 3.6 percent in 2009, an increase from 2.6 percent in Fortunately, the rate stabilized in 2010; it is now almost the same as the 3.4 percent national divorce rate in o Female service members, however, are feeling the weight of this problem. Their divorce rate in 2010 was 7.7 percent, compared to 3 percent for male service members. 24 Domestic Violence and Child Maltreatment o Domestic violence in the military is not well understood. The increased likelihood of domestic violence among service members with PTSD and service members with longer deployments creates urgency to better understand the prevalence of this issue. 25 o One study of domestic violence among 20,000 soldiers found that the rate of moderate husband- to- wife violence was 13.1 percent among service members, compared to 10 percent among civilians. 26 4

5 o One study found that maltreatment of children from military families in Texas doubled during the year following 9/11, whereas rates of maltreatment remained the same for nonmilitary children in the same period. 27 Substance Abuse o Substance abuse is a growing issue. Department of Defense survey data indicate about 20 percent of service members engaged in heavy drinking behavior in Greentree, Vivian, Karen Rudiscelli, Shana Johnson, and Leah Dagher.2010 Military Family Lifestyle Survey- Comprehensive Report: Sharing the Pride of Service. Washington, DC: Blue Star Families, Inc., Report. < 2 Walker, Tiffani. "Military Spouse Employment Program Reaches 96 Partners!" 17 Oct n. pag. Web. 25 Oct < spouse- employment- program- reaches- 96- partners/>. 3 Greentree, 11 4 Lim, Nelson, and David Schulker. Measuring Underemployment Among Military Spouses. Santa Monica, CA: RAND, Report. < 5 Ibid. xv 6 Office of the Deputy Under Secretary of Defense, Military Community & Family Policy. United States. Department of Defense. Report on Military Spouse Education and Employment. Department of Defense, Report. < 7 National Military Families Association. Education & the Military Spouse: The Long Road to Success. Alexandria, VA: National Military Families Association, Report. < These rates represent information about a random sample of NMFA scholarship applicants. 8 Department of Defense. United States. Department of Defense. Update to the Report on Assistance to Local Education Agencies for Defense Dependents Education. Department of Defense, Report. < 9 Richardson, Amy et al. Effects of Soldiers Deployment on Children s Academic Performance and Behavioral Health. Santa Monica, CA: RAND, xv- xvii. Report. < 10 Department of Defense, Dastagir, Alla. On the Home Front: Early Care and Education a Top Priority for Military Families. Washington, DC: The PEW Center of the States, Report. < The survey was conducted in 2010 by the Mellman Group and Public Opinion Strategies. 12 Gates, Susan, Gail Zellman, Joy Moini, and Marika Suttorp. Examining Child Care Need Among Military Families. Santa Monica, CA: RAND, xiv. Technical Report. < 13 Zoroya, Gregg. "20,000 Military Members, Vets Faced Foreclosure in 2010." USA Today 04 Feb n. pag. Web. 17 Oct < 04-1Avetforeclosures04_ST_N.htm>. 14 FINRA, 1 15 Ibid Department of Defense. United States. Department of Defense. Report On Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents. Department of Defense, Report. < GAO report, Military Personnel: DOD s Predatory Lending Report Addressed Mandated Issues, but Support Is Limited for Some Findings and Recommendations < does not agree that these findings indicate predatory lenders target service members more so than any other population. 5

6 17 Swift, Earl. "Red, White, and Scammed." Parade 11 Jul n. pag. Web. 17 Oct < red- white- and- scammed.html>. 18 Kovach, Andrea. "Payday Lenders Beware: Financial Reform Law Promotes Alternative Small Dollar Loans." Huffington Post 28 Jul n. pag. Web. 17 Oct < kovach/payday- lenders- beware- fin_b_ html>. 19 Tanielian, Terri, and Lisa Jaycox, Eds. Invisible Wounds of War: Psychological and Cognitive Injuries, Their Consequences, and Services to Assist Recovery. Santa Monica, CA: RAND, ebook. < And Atkinson, Michael, Adam Guetz, and Lawrence Wein. "A Dynamic Model for Post- Traumatic Stress Disorder Among U.S. Troops in Operation Iraqi Freedom."Management Science (2009): Web. 17 Oct < gsb.stanford.edu/wein/personal/documents/ptsd- text- ms_rev1.pdf>. 20 Mansfield, Alyssa et al. Deployment and the Use of Mental Health Services Among U.S. Army Wives. The New England Journal of Medicine (2010): < 21 Flake, Eric, Beth Davis, Patti Johnson, and Laura Middleton. "The Psychosocial Effects of Deployment on Military Children." Journal of Developmental & Behavioral Pediatrics (2009): Web. 17 Oct < 22 Associated Press. "Military Divorce Edges Up Due to Stress."Military.com 28 Nov n. pag. Web. 27 Oct < divorce- edges- up- due- to- stress.html>. 23 Census Bureau. United States. U.S. Census Bureau Statistical Abstract: The National Data Book Web. < 24 "Military Divorce Edges Up Due to Stress."Military.com 28 Nov n. pag. Web. 27 Oct < divorce- edges- up- due- to- stress.html>. 25 Sherman, M.D., F. Sautter, M.H. Jackson, J.A. Lyons, and X. Han. "Domestic Violence in Veterans with Posttraumatic Stress Disorder Who Seek Couples Therapy."Journal of Marital Family Therapy (2006): Web. 17 Oct < And Marshall, A.D., J. Panuzio, and C.T. Taft. "Intimate Partner Violence Among Military Veterans and Active Duty Servicemen." Clinical Psychology Review (2005): Web. 17 Oct < 26 Marshall, Rentz, E. Danielle et al. "Effect of Deployment on the Occurrence of Child Maltreatment in Military and Nonmilitary Families." American Journal of Epidemiology (2007): Web. 17 Oct < Deployment data come from the Department of Defense personnel tempo (PERSTEMPO) through the Defense Manpower Data Center. Incidents of child maltreatment data come from the National Child Abuse and Neglect Data System. The study uses data strictly from Texas because the state had the best available data for military status and a large military population. 28 Military Health System. United States. Department of Defense. Survey of Health Related Behaviors Among Active Duty Military Personnel: 2008 Survey Summary as Q & A. Department of Defense, Web. < The survey defined heavy drinking behavior as five or more alcoholic drinks at least once per week. 6