For Reserve & Guard Members

Find the money
you're missing. Every year.

800,000+ Reserve and Guard members navigate TRICARE, VA claims, BRS, and activation benefits with almost no modern guidance. MilGap is the AI-powered platform built specifically for you.

$0 To Get Started
14 Day Free Trial
800K+ Reserve & Guard Members
10+ Yrs. Founder Service
MilGap Dashboard — Active Session
Welcome back, Soldier
SSG T. Williams
40%
VA Rating
11.5
Qual. Years
TRS
TRICARE
🎯
BAH error — with-dependent rate not applied
Confirmed · $3,600/yr · Correction letter ready
Sinusitis supplemental claim ready to file
DC 6510 · Targeting 30% · Lay statement drafted
📋
Continuation Pay window opens in 14 months
Est. $14,200–$28,400 · Start preparing now
The Problem

Most Reservists Leave Real Money Behind

The benefits system wasn't designed to be understood. It was designed to comply with law. The result is a labyrinth of interacting programs that most members never fully navigate — leaving compensation, healthcare, and retirement money on the table every single year.

63%
Of eligible veterans never use VA home loan Missing an average $70K in lifetime financing savings.
40%
Of VA claims are under-rated at initial decision Without proper documentation and diagnostic code strategy, most members settle for less.
$18K
Average annual benefits gap for an E-6 with 10+ years Across VA comp, TSP match, BAH errors, and state benefits.
$0
Modern tooling built for Reserve & Guard VSOs are understaffed. Military OneSource is generic. Forums are unreliable.
Platform Features

Every Benefit.
One Platform.

// Claim profile — SSG Williams
5242 Lumbar degenerative disc disease 40% Active
6510 Sinusitis, chronic 10%→30% Supplemental
8520 Right leg radiculopathy 20% Pending
6847 Sleep apnea — secondary to 5242 50% Suggested
Combined rating
+pending claims → est. 70–80%
52%
VA Claim Engine

Know Exactly What You're Owed

Enter your current ratings and MilGap instantly surfaces every secondary condition, rating increase opportunity, and missing claim — with the specific evidence needed to pursue each one.

  • Enter current ratings → MBN calculates exact combined rating and monthly compensation
  • Secondary claim detection — conditions linked to your existing rated disabilities
  • MOS exposure map — conditions tied to your job, deployments, and toxic exposures
  • Combined rating calculator showing the marginal value of each new or increased claim
  • Guided narrative builder — tell your story, MBN drafts the lay statement in real time
  • Nexus letter templates ready for physician signature and C&P exam prep guides
// Monthly income projection at age 60
Reserve
Pay
FERS
Annuity
VA Comp
TSP
Social
Security
Reserve Pay
FERS
VA Comp
TSP
Projected monthly total
In today's dollars · CRDP eligible at 50%+
$9,240
Retirement Optimizer

Your Full Retirement Picture. Finally.

Reserve retirement touches five separate income systems — BRS, FERS, VA disability, TSP, and Social Security — each with different timelines and complex interactions. MilGap models all of them together.

  • BRS vs. Legacy retirement comparison with NPV break-even analysis
  • Reserve qualifying year tracker — pace to 20 and early retirement eligibility
  • FERS integration with military service credit deposit decision analysis
  • CRDP / CRSC election analysis for concurrent disability and retirement pay
  • Survivor Benefit Plan cost-benefit analysis vs. commercial life insurance
  • Side-by-side retirement income scenarios in today's dollars
// Activation checklist — orders received
SCRA interest rate reduction letters sent
Mortgage + Auto · Generated & mailed 3 days ago
USERRA employer notification submitted
Written advance notice · Copy saved to file
TRICARE transition to Prime confirmed
Effective date: 1st day of orders · Network confirmed
!
Civilian employer FSA election decision needed
Deadline: 30 days from activation · $1,200 at risk
!
Durable Power of Attorney — not on file
Recommended before deployment · JAG office locations
BAH rate verified for home station ZIP
Updated rate tables loaded · Awaiting confirmation
Activation Readiness

Never Miss a Deadline When Orders Drop.

Activation triggers dozens of time-sensitive financial and legal actions — many with statutory deadlines. Miss them and you're out thousands of dollars. MilGap walks you through every step, in the right order, with the paperwork ready.

  • SCRA notification letters to all lenders — generated and ready to mail in minutes
  • USERRA employer notification with legally sufficient advance notice language
  • TRICARE transition calendar with effective dates and network confirmation
  • FSA/HSA, TSP, and civilian benefits management guidance during activation
  • Mirror-image demobilization checklist — reinstating everything correctly
  • BAH calculator, hostile fire pay tracking, and combat zone tax exclusion guidance
// Document library — generated today
Lay statement — DC 6510 Sinusitis
Personalized · 2 pages · PDF + DOCX ready
Nexus letter — Sinusitis supplemental
Formatted for physician signature · Ready to send
SCRA letter — mortgage servicer
6% interest rate cap · Order dates included
USERRA employer notification
In progress · Review before sending
+
Generate new document...
C&P prep guide · Buddy statement · Hardship letter
Document Generator

Professional Documents. In Seconds.

Every document you need — VA lay statements, nexus letters, SCRA lender notifications, USERRA employer letters — generated, personalized from your service profile, and formatted correctly.

  • VA lay statements drafted from your guided narrative — exactly how raters want to read them
  • Nexus letters structured for physician signature — the most important document in a claim
  • C&P exam preparation guides tailored to each claimed condition and rating tier
  • SCRA interest rate reduction letters to mortgage servicers, auto lenders, and credit cards
  • USERRA advance notice and reemployment rights letters
  • All documents personalized from your service profile — no blanks to fill manually
How It Works

Operational in Under 2 Minutes

01
Connect Your Data

Sign in with CAC, upload your DD-214 and LES, or answer a few quick questions. MBN extracts your service history, pay data, and VA status automatically.

02
See Your Gap Score

Your personalized dashboard shows the exact dollar amount you're leaving on the table each year — broken down by VA comp, pay errors, state benefits, and retirement gaps.

03
Build Your Case

Select the claims you want to pursue. MBN guides you through the evidence, drafts your lay statement in real time, and generates every document you need to file.

04
Stay Current

Regulatory changes, VA presumptive conditions, TRICARE updates, and BAH table releases are monitored automatically. You get alerted when something changes that affects you.

Pricing

Simple. Honest. No Gotchas.

Every plan includes a 14-day free trial. Cancel anytime. No contracts.

Free
Scout
$0/ forever
 

Get oriented. See what you're eligible for. No credit card required.

  • Service profile builder
  • Gap Score — range view
  • Benefits eligibility overview
  • Combined rating calculator
  • Benefit education cards
  • Retirement timeline estimate
  • AI Benefits Advisor — 5/mo
  • VA claim opportunities list
  • Lay statement + nexus letter
  • Document downloads
  • Full Gap Score breakdown
Premium
Veteran
$59/ mo
or $499/yr — save $209

For members actively pursuing claims, with human expert access, priority support, and a dedicated annual benefits audit.

  • Everything in Operator, plus:
  • Expert office hours — monthly
  • Priority AI response queue
  • VA claim progress tracker
  • Filing deadline alerts
  • FERS federal civilian integration
  • Direct founder support line
  • Annual benefits audit call
  • Verified community access
  • Early feature access
  • Dark mode — MilGap tactical UI
Tactical dark mode
Exclusive to Veteran members

Enterprise / employer USERRA module available — contact for pricing →

A 10% VA rating increase for a married veteran with 2 children adds $1,788/yr in tax-free compensation. MilGap Operator costs $249/yr. If MilGap helps you get even one rating increase, it pays for itself 7× over in year one — and every year after that for life.

Stop Leaving Your
Benefits on the Table.

14 days free. No credit card. No contracts.

Free forever plan available · No contracts · Cancel anytime