Written by Thomas Goering, NCCM USN(RET)
Published: January 7, 2011
Updated: November 21, 2020
If you are enlisting into the Navy with dependents (dependent definition) in an entry level paygrade (E-1 to E-4), historically some encounter family hardships due to financial situations soon after enlisting. Navy Recruiting Command wants to eliminate from consideration those who cannot balance the demands of family and service, or who would experience a financial hardship at the onset of naval service. You can use the chart below to determine your potential eligibility based on the current instructions.
|FOR ACTIVE DUTY|
|IF YOU ARE||AND HAVE:||THEN YOU ARE:||NUMBER OF
|Unmarried or Divorced
(NPS and PS)
|No dependents||Eligible||No waiver required|
|Custody of dependents||Ineligible||No waiver authorized|
|No custody of dependents||Eligible with appropriate level waiver||1 – 3= NRD CO
4 or more = Ineligible
(NPS and PS)
|Spouse only||Eligible||No waiver required|
(NPS enlisting in pay grades E1 to E4 and PS enlisting in pay grades E1 to E4 with broken service)
|Minor/non-minor dependents||Eligible with appropriate level waiver||2 = No waiver required
3 – 4 NRD CO
5 or more = Ineligible
(NPS enlisting in paygrades E5 and above and PS enlisting in paygrades E5 and above with broken service)
|Minor/non-minor dependents||Eligible with appropriate level waiver||2 or 3 = Eligible
4 – 5 NRD CO
6 or more = Ineligible
(PS enlisting under continuous service)
|Minor/non-minor dependents||Eligible||No waiver required|
|NRD – Navy Recruiting District; PS – Prior Service; NPS – Non Prior Service|
If one is required, the dependency waiver process starts with the Enlistee Financial Statement Form 1130/13. Incidentally, everyone enlisting with dependents will complete an Enlistee Financial Statement, even if a waiver is not required, and you will be interviewed by a Navy Recruiting Division Chief or person higher in the chain-of-command prior to enlistment processing. (Read policy update below concerning NAVCRUIT 1130/13)
The interviewer will:
- Determine if you are handling present personal and financial affairs in a mature, competent, and responsible manner.
- Determine if you can meet current and expected financial obligations within the first six-months of naval service.
- Counsel you concerning potential problems that may be experienced at the onset of enlistment relating to financial matters and the assignment to possible dependent restricted tours.
NOTE: A prior bankruptcy is not by itself a disqualifier for enlistment eligibility; however, it may affect the job you are qualified for because of the various security clearance requirements.
During the interview, your Enlistee Financial Statement will be reviewed with you either face-to-face or telephonically. The interviewer and chain of command will become suspicious of entries that are missing or unrealistic. All questionable areas must be resolved.
You will not be enlisted if it appears they are unable to meet current and expected financial responsibilities within the first six-months of Naval Service.
Completing the Enlistee Financial Statement:
The Enlistee Financial Statement is for use by all applicants with dependents. Prior to preparation, you shall sign the Privacy Act Statement on the Enlistee Financial Statement. The financial statement will be prepared in your own handwriting.
No special criteria for the amount of monthly expenditures to be entered for housing, food, utilities, etc. can be established due to the variation in circumstances present in each individual case; however, for the benefit of those who must determine whether a dependency waiver is to be granted, questionable or unrealistic entries must be fully explained. An example of a questionable entry would be $100 per month for food when the applicant has three dependents. While use of food stamps could explain the low amount, this must be explained in detail and attached to the form.
A realistic breakdown of monthly expenditures for most families would include additional categories that are not indicated on the financial statement (e.g., clothing, automobile expenses that are not included in car payments [gas, oil, tires, tune-ups, insurance, etc.], entertainment, miscellaneous). Entry of these expenses are especially applicable when your projected military basic pay is at $1652 per month or more and your monthly expenditures total near to that amount. The absence of these additional expenses is even more noticeable when little or no savings and/or checking account balances are indicated. If there is a glaring issue, it is best to identify and correct those before joining as they could hinder your ability to deploy. Not being able to deploy could lead to discharge.
Signature of your spouse is mandatory, unless you are legally separated, spouse resides outside the geographical area or refuses to sign. If this is the case, note the reason in item 16 of the form.
Note: If you are in the Delayed Entry Program (DEP) over 90 days or you acquire dependents while in DEP, you are required to complete an updated Enlistee Financial Statement prior to shipping to boot camp. Changes in dependency status must be reviewed, and if necessary, waived by the appropriate authority.
Policy Update (Feb 2016): There has been a change to the dependency waiver matrix for those entering in pay grade E-1 through E-4. For married applicants with three dependents, a CNRC waiver is no longer required — the waiver is now just a local Navy Recruiting District waiver. Those with four dependents still require the CNRC level waiver, and those with five dependents remain ineligible for waiver consideration.
Policy Update (May 2016):: The waiver approval authority for all Dependency waivers has been fully delegated to each of the local Navy Recruiting District Commanding Officers. See waiver chart above for waiver authority matrix.
Policy Update (November 2017):: The Enlistee Financial Statement (NAVCRUIT 1130/13) is no longer required to be filled out; however, depending on the local requirements for waiver consideration, the financial information it defined is likely to still be required in another form (handwritten statement, etc.).