Mobilisation & money

Right I know that this topic seems to have been covered a hundred times, but Im still confused :oops: What is the definition of hardship and what happens if your work is based on bonuses when theyre sorting out your pay for a sandcastle building holiday
Had a presentation from some bird from RFCA last week. Thought we were all going to be shafted, but they pay thing looks ok. She didnt even think the MoD matched your Civvy pay + Ta pay!

If your work is based on Bonuses, what they'll probably do is take your last Year as your income, and match that for your mob'd time.

Hardship more or less means that your wife/kids will go hungry and you wont be able to pay your mortgage. See this from the SaBRE website:

Income assistance
Reservist pay may be less than your civilian wage or salary, and mobilisation may also affect areas such as insurance and pensions. If you are called up and your military pay is lower than the package you receive in your civilian job, you can claim additional financial assistance. There are two distinct elements to the financial assistance given to reservists undertaking both voluntary and compulsory mobilisation for operational service.

A Reservist's Standard Award (RSA) is available to individuals whose military salary, when called out for operations, is less than their income in civilian life. Increases to military salary are made on proof of civilian income for the last 52 weeks and depending on rank or category. The RSA may take into account any form of income that you would no longer be in receipt of whilst you are called out, for example, Reserve Forces pay and income from other part-time employment. You may also be able to include in the calculation of an RSA the value of other fees and premiums normally received from your employer. Examples of these may include educational fees and medical insurance.

A Reservist's Hardship Award (RHA) is available to those with an income more than provided for in the Reservist's Standard Award. The payment of this award is based on you demonstrating that you or your dependant(s) will suffer hardship without the additional money. As part of the claims process, you will be asked to provide details of all your family income and expenditure, rather than simply your personal income.

Information on how to claim for both elements of financial assistance is provided in documentation accompanying the call-out notice, and by administrative personnel at the mobilisation centre, once the reservist has reported for service.

Another question, I know soldiers cant be mobilised until they have a trade, but can newly commissioned TA Officers be mobilised before they have done a Special To Arm Troop Comd's Course?

Just wondering, like.
If you get paid less than the current limits (heard rumours they may be changing so check) you get paid based on the pay slips/P60's or self employed accounts that you take to Chilwell. This is called Reservists Standard Allowance (RSA) - usually hassle free. (Although you've then got to get Glasgow to pay it on time which is easier said than done) I'm assuming you get paid more than them given your emphasis on "hardship" in the question.

If you earn more than the limit for your rank then you have to claim Reservists Hardship Allowance (RHA). This is means tested, you need to present your complete financial records at Chilwell to back it up (eg bills, statements, loan agreements etc). Note that this covers your family, not just you and they want to look at your partner's income and expenditure as well.

As it was explained to me the idea of RHA is to pay the bills and let your family buy food. It does not cover anything else. And if you lose out, that's tough.

For instance, it does not cover money you save regularly - so if you put (say) 200 quid away a month for the family holiday then that will not be paid. However, if you take out a loan with repayments of 200 quid a month then they will pay you that as that has to be paid or the bailiffs come round. I've not heard of anyone yet taking out a loan before mobilisation to take advantage of this but give it time ....

When I went through Chilwell I didn't have to claim RHA but my colleagues who did had a real bad time - one didn't agree the amount and get paid it until after he was demobilised. However, anecdotally I hear it's got better since then.

(Limits when I was mobilised were 22.5K junior and 37K senior)
As it was explained to me the idea of RHA is to pay the bills and let your family buy food. It does not cover anything else. And if you lose out, that's tough.
cheers thats roughly what i was looking for :(
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