SCRA for Reserve Members

When Are Reservists Covered?

Reserve members receive SCRA protections when called to active duty. The key distinction is between active duty orders and regular Reserve activities.

What Types of Duty Qualify?

Not all Reserve duty triggers SCRA protections. Here's a breakdown:

How Long Do Protections Last?

Your SCRA protections begin on your active duty start date as shown on your orders and continue through the duration of your active duty plus a transition period.

Required Documentation

To claim SCRA benefits as a Reservist, you'll need proof of your active duty status:

• Active Duty Orders: Your official orders showing mobilization or activation dates
• SCRA Status Letter: Available from the DMDC SCRA website, shows your verified active duty periods
• DD-214 (if separated): For claiming retroactive benefits after leaving active duty

Getting Your Orders

If you've lost your orders, contact your unit's orderly room or personnel office. You can also request records from the National Personnel Records Center or use the DMDC SCRA website for verification.

Multiple Activations

Many Reservists experience multiple activations throughout their career. Each activation is a separate eligibility period:

• Debts incurred before each activation qualify for the 6% cap during that activation
• A debt that didn't exist during your first activation but exists during a later one may qualify
• Protections restart with each new set of active duty orders

Common Questions

I'm on AGR orders—do I qualify?

Yes. Active Guard Reserve (AGR) is full-time active duty status. You receive the same SCRA protections as any active duty service member for the duration of your AGR tour.

What about debts I took out during drill status?

Debts incurred while in drill status (not on active duty orders) do not qualify for the 6% cap during a subsequent activation. The debt must have been incurred before the active duty period begins.