Who is eligible?
- Soldiers on active duty and their eligible dependents.
- Soldiers retired from active duty because of longevity, or retired upon reaching age 60 (Reserve Component) and their eligible Family members.
- Widows(ers) and orphans of Soldiers who died while on active duty or while retired.
- Medically retired Soldiers and their eligible Family members.
- Members of the Reserve Component of the Army (Army National Guard and Army Reserve under Title 10 U.S.C.) on continuous active duty for more than 30 consecutive days and their eligible Family members.
When is a Soldier NOT eligible for direct access to AER?
Effective 9 September 2015, all Soldiers, regardless of rank, are authorized direct access to AER for financial assistance, except for those who fall in one or more of the categories listed below:
- Soldiers in the grades of E-1 through E-4 who are in Initial Entry Training (Basic Training/OSUT) are not eligible for direct access to AER.
- Soldiers with less than 12 months Time in Service (TIS) are not eligible for direct access to AER..
- Soldiers who have two or more requests (Loan or Grant) within a 12 month period are not eligible for direct access to AER.
- Soldiers who exhibit “High Risk” behavior for financial problems IAW AR 600-85 and Sec Army Directive 2015-21 are not eligible for direct access to AER.
Soldiers who fall in one or more of the categories listed above will require the Company Commander/First Sergeant review of their AER application prior to submitting a request for AER assistance.
What type of assistance is available?
Help with emergency financial needs for:
- Vehicle repair
- Emergency travel
- Funeral expenses
- Non-receipt of pay
- Travel fund for relocation (PCS)
- Dependent dental
- Medical expenses
- Repair/Replacement of HVAC
- Repair/Replacement of major appliances
- Replacement vehicle
- Loss of funds
- Cranial helmets
- Essential furniture
- Car seats
- Rental vehicle
AER does not provide funds:
- For nonessentials
- To finance ordinary leave or vacation
- To pay fines or legal expenses
- To liquidate or consolidate debt
- For purchase of home or home improvements
- To cover bad checks or pay credit card bills
What should I bring with me to request assistance?
You should bring the following:
- Special Power of Attorney (if applicable)
- Valid Military ID Card
- Leave and Earnings Statement (LES)
- Leave/PCS orders
- Supporting documentation such as copies of estimates for vehicle and HVAC repairs, billing statements for household expenses, and income statements from all sources (including Spouse, if applicable). For any assistance with vehicle repair, a copy of a current driver’s license, proof of insurance, and valid registration for the particular vehicle is required.
Can my spouse obtain AER assistance if I am deployed or TDY?
Yes, provided your Spouse has the following documentation:
- Special Power of Attorney
- Valid Military ID Card
Is there a dollar limit on AER assistance?
- No. AER will respond to your specific need.
What kind of assistance can I expect?
You can expect to receive:
- An interest-free loan
- A grant if repayment of loan will cause undue hardship
- Or part loan and part grant
Do I have to contribute to AER to get help?
- No. If you are eligible for AER assistance and have a valid emergency need, AER will assist you.
How long does it take to get assistance from AER?
- Normally, assistance is provided the same day, but NLT 24 to 48 hours from the time of request.
Does AER get its money from the government?
- NO. AER does not receive any appropriated or non appropriated government money. It is a private non-profit 501-(c)3 charitable organization.
From where does AER get its funds?
Support for AER assistance program comes from the following sources:
- Contributions from soldiers (active and retired) and civilians.
- Repayment of AER interest-free loans
- Investment income
Unsolicited contributions: AER is supported by voluntary contributions from Soldiers (active and retired) solicited during the Army's annual fund campaign for AER. Contributions are also accepted at any time from Army or civilian individuals or organizations. Contributions may also be made in the form of memorials honoring deceased
Soldiers or Family members, as bequests from individuals or estates or as special donations.
Repayments: The largest inflow of operating cash is from loan repayments.
Investments: AER's investment program generates operational income from interest and dividends.
How do I find AER when I need help?
- There are 78 AER Sections on US Army installations worldwide. Locations and general information on individual AER Sections may be found on this web site under AER Locations.