Maine Military and Veteran Benefits
Bureau of Motor Vehicles (BMV) Related Benefits
Health Insurance Benefits
Parks and Recreation Benefits
Maine Military Resource Locator
U.S. Department of Veterans Affairs (VA) Facilities
Summary of Maine Military and Veterans Benefits: Maine offers special benefits for its military Service members and Veterans including a Homestead Exemption, Tax Exemptions, Employment Assistance, Employment Preference, Tuition Aid Grant, State Parks and Campground reduced fees, Special Vehicle License Plates, as well as Hunting and Fishing Privileges. Eligibility for some benefits may depend on residency, military component and disability status.
Maine Military and Veterans State Benefit Highlights and Eligibility
Maine Retirement Income Taxes: You and your Spouse may each deduct up to $10,000 of pension income that is included in federal adjusted gross income. The $10,000 cap must be reduced by all taxable and nontaxable social security and railroad retirement benefits received.
Married taxpayers who elect to file a joint return and have a total deduction of up to $20,000.
Maine Retired Military Pay Income Tax: For tax years beginning on or after January 1, 2016, the benefits received under a military retirement plan, including survivor benefits, are fully exempt from Maine income tax.
Maine Income Tax on Military Disability Retired Pay: Military Disability Retirement Pay received as a pension, annuity or similar allowance for personal injury or sickness resulting from active service in the Armed Forces should not be included in taxable income if any of the following conditions apply:
You were entitled to receive a disability payment before September 25, 1975
You were a member of the military (active or reserves) or were under a binding written commitment to become a member on September 24, 1975
You receive disability payments for a combat-related injury. This is a personal injury or sickness that:
Resulted directly from armed conflict
Took place while you were engaged in extra-hazardous service
Took place under conditions simulating, including training exercises such as maneuvers, or
Was caused by an instrumentality of war
You would be entitled to receive disability compensation from the Department of Veterans Affairs (VA) if you filed an application for it (the exclusion under this condition equals the amount you would be entitled to from the VA)
Maine State Taxes on U.S. Department of Veterans Affairs Disability Dependency and Indemnity Compensation: Dependency and Indemnity Compensation (DIC) is a tax-free monetary benefit paid to eligible survivors of military Service members who died in the line of duty or eligible survivors of Veterans whose death resulted from a service-related injury or disease.
Maine State Tax Exemption for Military Survivor Benefit Plan (SBP)/ Reserve Component Survivor Benefit Plan (RCSBP)/ Retired Serviceman’s Family Protection Plan (RSFPP) Maine State Tax Benefits: For tax years beginning on or after January 1, 2016, survivor benefits received under a military retirement plan are fully exempt from Maine income tax.
Learn more about Maine State Tax Exemption for Military Survivor Benefit Plan (SBP)/ Reserve Component Survivor Benefit Plan (RCSBP)/ Retired Serviceman’s Family Protection Plan (RSFPP) Maine State Tax Benefits
Maine State Tax Combat Zone Exclusion: Any pay that is excluded from federal adjusted gross income because it was earned while serving in a combat zone is also excluded from Maine income. This includes: active duty pay earned in any month served in the combat zone; imminent danger/hostile fire pay; reenlistment bonus if the voluntary extension or reenlistment occurs in a month served in a combat zone; pay for accrued leave earned in an month served in a combat zone; pay received for duties as a member of the Armed Forces in clubs, messes, post and station theaters and other non-appropriated fund activities earned in a month served in a combat zone; awards for suggestions, inventions, or scientific achievements due to a submission made in a month served in a combat zone; and, student loan repayments attributable to the period of service in the combat zone.
Maine Combat Casualties State Tax Exclusion: For tax years beginning after 2002, taxpayers whose federal income tax liability is forgiven under IRC 692 due to a combat casualty are similarly granted a waiver from Maine income tax for the same period or periods.
Maine Combat Zone Income Tax Filing Extension: The deadline for filing Maine income tax returns and paying the taxes due is extended for 180 days after the later of:
The last day you are in a combat zone, have qualifying service outside of a combat zone, or serve in a contingency operation (or the last day the area qualifies as a combat zone or the operation qualifies as a contingency operation), or
The last day of any continuous qualified hospitalization for injury from service in the combat zone or contingency operation or while performing qualifying service outside of the combat zone.
In addition to the 180 days, your deadline is extended by the number of days that were left for you to file or pay when you entered a combat zone (or began performing qualifying service outside the combat zone) or began serving in a contingency operation. If you entered the combat zone or began serving in the contingency operation before the expiration of the period of time ordinarily allowed for filing or paying, your deadline is extended by the entire period of time remaining for filing or paying at the time you entered the combat zone or began serving in the contingency operation. For example, you had 3 months (January 1 April 15, 2013) to file your 2012 tax return. Any days of this 3 month period remaining when you entered the combat zone (up to or the entire 3 months if you entered the combat zone by January 1, 2013) are added to the 180 days when determining the last day allowed for filing your 2012 tax return.
Maine Veterans Property Tax Exemption: A Veteran who served during a recognized war period and is 62 years or older; or, is receiving 100% disability as a Veteran; or, became 100% disabled while serving, is eligible for a $6,000 property tax exemption.
For a Veteran to be eligible they must:
Be a resident of the State of Maine; and
Have notified in writing the assessors of the municipality in which they reside of their claim for exemption and furnished proof of their entitlement on or before April 1 (such notification once made need not be repeated in subsequent years)
For a Surviving Spouse to be eligible they must:
Be a legal resident of the State of Maine, and
Have notified in writing the assessors of the municipality in which the Surviving Spouse resides for the claim for exemption and furnished proof of entitlement on or before April 1 (such notification once made need not be repeated in subsequent years); and
NOT be remarried (the divorced wife or the divorced husband of a qualified Veteran or the remarried Surviving Spouse of a qualified Veteran is not eligible for exemption); and
Be receiving, regardless of their age, a pension or compensation as a Surviving Spouse of a Veteran from the United States Government; or be a Surviving Spouse of a Veteran who could be entitled to such exemption if living.
Note: The exemption increases to $7,000 for the qualifying Spouse of a deceased Veteran who served during a war period during or before World War I.
For a Minor Child to be eligible they must:
Be a legal resident of the State of Maine, and;
Have notified in writing the assessors of the municipality in which they reside of their claim for exemption and furnished proof of entitlement on or before April 1st. Such notification may be made by another in the minor Child's behalf, such as parent or guardian, and such notification need not be repeated in subsequent years; and
Be under the age of 18.
Note: Estates of a minor Child of a deceased Veteran, real and personal, including property held in a revocable living trust for the benefit of that minor Child, are exempt up to $6,000 of just valuation in the place of legal residence.
For Parents to be eligible they must:
Be a legal resident of the State of Maine, and;
Have notified in writing the assessors of the municipality in which they reside of their claim for exemption and furnished proof of their entitlement on or before April 1st. Such notification need not be repeated in subsequent years; and
Not be remarried (the divorced parent of a Veteran or the remarried Surviving Spouse parent of a Veteran is not eligible for exemption), and
Have reached the age of 62, and
Be in receipt of pension or compensation based upon the service-connected death of the parent's Child.
Maine Paraplegic Veteran Property Tax Exemption: Estates of paraplegic Veterans, including property held in joint tenancy with the Veteran's Spouse or held in a revocable living trust for the benefit of that Veteran, are exempt up to $50,000 of just valuation, for a specially adapted housing unit, and only in the place where the Veteran is a legal resident provided the Veteran:
Is a resident of the State of Maine; and
Has notified in writing the assessors of the municipality in which they reside of their claim for exemption and furnished proof of their entitlement on or before April 1 (such notification once made need not be repeated in subsequent years); and
Is a paraplegic Veteran, so-called, within the meaning of 38 United States Code, Chapter 21, Section 2101; and
Has received a grant from the United States Government for such specially adapted housing.
Who is eligible for Maine Paraplegic Veteran Property Tax Exemption? Veteran or un-remarried Surviving Spouse is eligible for the exemption.
Maine Veteran Property Tax Exemption Application
Maine Veterans Upward Bound Program: The Veterans Upward Bound (VUB) program of Maine is designed to provide assistance to eligible military Veterans in pursuit of higher education. It offers access and support to help Veterans successfully transition into and be successful in college. All services are tailored to an individual’s needs to ensure success in the attainment of a degree and career of the student’s choice.
Veterans Upward Bound is a federally funded pre-college program that provides assistance, at no-cost, to eligible Veterans who wish to pursue a college degree. VUB is designed to develop the academic and personal skills necessary for admission into the post-secondary program of the Veteran’s choice.
They provide, advising, mentoring, tutoring, and instruction in the core competencies required for college entrance. Our intensive and individualized instruction is outcome-based and occurs in a variety of times and locations, both in-person and online, to work with each person’s individual needs. Their goal is to make sure that the Veteran is prepared for admission to the program of choice.
The program is available year-round with no hard beginning or end dates. They offer workshops and tutoring throughout the year. However, they suggest that the Veteran meets with them at least six months prior to the semester in which they wish to start so that all needs are met.
Program services include:
Admissions and Financial Aid Application Assistance
Academic Skills Assessment and Preparation in English, Math, Science, Foreign Language
Prior Learning Assessment/Joint Services Transcript (JST) Review
Study Skills/College Transition Assistance
Who is eligible for the Maine Veterans Upward Bound Program? To be eligible, you must meet the following criteria:
Be a U.S. Armed Forces Veteran who either:
Served at least 181 consecutive days on active-duty; or
Were activated from a reserve component of the Armed Forces for more than 30 days.
You must also satisfy all of the following:
Have any discharge except dishonorable;
Not have a bachelor’s degree; and
Wish to receive help in preparing for entrance into the degree of your choice.
You must also satisfy at least one of the following criteria:
Have been out of school for at least 5 years;
Have a disability- service connected or otherwise;
Have had biological or adoptive parents who lived with you more than 50% of the time that did not have a bachelor’s degree
Have a taxable income that falls within the federal guidelines
All interested Veterans are encouraged to contact the Maine Veterans Upward Bound Program to discuss eligibility. If you are interested in learning more or would like to refer a Veteran to the program, please fill out the Veterans Upward Bound Interest/ Referral Form .
Maine Veterans’ Dependents Educational Benefits Program: Maine provides a 100% waiver of tuition and all related fees for Spouses and dependents of Veterans as defined in Title 37B, Chapter 7, Section 505(2) .
Spouses of Veterans who are attending state-supported postsecondary vocational schools or institutions of collegiate grade must be admitted free of tuition including mandatory fees and lab fees for a certificate program or an associate's, bachelor's or master's degree program. Room and board may not be waived. Spouses are entitled to receive up to 120 credit hours of educational benefits and have 10 years from the date of first entrance to complete the program.
A Child of a Veteran who is attending state-supported postsecondary vocational schools or institutions of collegiate grade must be admitted free of tuition including mandatory fees and lab fees for associate and bachelor's programs. The tuition waiver provided under this paragraph may be reduced by an amount necessary to ensure that the value of this waiver, combined with all other grants and benefits received by the student, does not exceed the total cost of education. Room and board may not be waived. A Child of a Veteran has 6 academic years from the date of first entrance to complete 120 credit hours. For degree programs that require more than 120 credit hours, the state-supported postsecondary vocational school or institution of collegiate grade may grant a tuition waiver beyond 120 credit hours. If such a waiver is granted, the state-supported postsecondary vocational school or institution of collegiate grade shall notify the director. The director may waive the limit of 6 consecutive academic years when the recipient's education has been interrupted by severe medical disability, learning disability, illness or other hardship, making continued attendance impossible, however, the extension may not exceed 2 academic years.
Students must maintain at least a 2.0 or "C" grade point average to continue receiving educational benefits. If a student's grade point average falls below 2.0 or a "C," then the student has one semester to bring the grade point average up to at least 2.0 or a "C." If after that semester the student's grade point average is below 2.0 or a "C," the student loses educational benefits under this paragraph until the student achieves a grade point average of at least 2.0 or a "C."
Who is eligible for Maine Veterans’ Dependents Educational Benefits Program? The Veteran must meet the following criteria for their dependents to be eligible:
Has a 100% total permanent disability rating resulting from service-connected disability; or
Was killed in action; or
Died from a service-connected disability as a result of service; or
At the time of death was totally and permanently disabled due to a service-connected disability, but whose death was not related to the service-connected disability; or
Is a member of the Armed Forces on active duty who has been listed for more than 90 days as missing in action, captured or forcibly detained or interned in the line of duty by a foreign government or power.
Veterans also must have served in the military or naval forces of the United States and entered the service from this State or has been a resident of this State for 5 years immediately preceding application for aid and, if living, continues to reside in this State throughout the duration of benefits administered under the educational benefits program.
Maine Veterans’ Dependent Educational Benefits Brochure
Maine Veterans' Dependents Educational Benefits Program Application
Maine National Guard Education Assistance: Maine provides National Guard Service members with free in-state tuition rates to the University of Maine system, the Maine Maritime Academy, the Maine Community College System and any other college or university system established as a public instrumentality in Maine.
Who is eligible for Maine National Guard Education Assistance? For Maine National Guard Service members to be eligible for this benefit, they must be enrolled, or accepted, into a post-secondary education institution, not have previously earned a bachelor's degree or equivalent and be a fully qualified drilling member of the Maine National Guard.
Be between the ages of 17 and 35
Be a U.S. citizen or permanent resident
Be a at least a junior in high school, or have a high school diploma or a GED certificate
Meet medical, physical and moral requirements
National Guard Service members can get an application from their unit or possibly the academic institution. It is recommended to check with your unit first.
MRS 2017, Title 37-B, Chap 3, Sub-chapter 7A, Sections 351 - 360
Maine Interstate Compact on Educational Opportunity for Military Children: It is the purpose of this compact to remove barriers to educational success imposed on Children of military Families because of frequent moves and deployment of their parents by:
Facilitating the timely enrollment of Children of military Families and ensuring that they are not placed at a disadvantage due to difficulty in the transfer of educational records from the previous school district or variations in entrance or age requirements
Facilitating the student placement process through which Children of military Families are not disadvantaged by variations in attendance requirements, scheduling, sequencing, grading, course content or assessment
Facilitating the qualification and eligibility for enrollment, educational programs, and participation in extracurricular academic, athletic and social activities
Facilitating the on-time graduation of Children of military Families
Providing for the promulgation and enforcement of administrative rules implementing the provisions of this compact
Providing for the uniform collection and sharing of information between and among member states, schools and military Families under this compact
Promoting coordination between this compact and other compacts affecting military Children
Promoting flexibility and cooperation between the educational system, parents and the student in order to achieve educational success for the student
Primary Point of Contact:
School Finance and Compliance Coordinator
Department of Education
Address: 23 State House Station, Augusta, ME 04330
Maine Veterans Services Employment Assistance: The CareerCenter offers specialized employment and training services for Veterans. If you served in the U.S. Armed Forces a CareerCenter Representative can help you find a job, obtain new skills, or access other state or federal resources available to Veterans.
Job Seeker Services:
Help with your job search, resume writing and interview skills.
Guidance to help you translate your military skills to good jobs in the civilian workforce.
Referrals to other state and federal resources available to Veterans.
If you are a Veteran or eligible Spouse, please identify yourself as such when inquiring about any Maine Department of Labor program. Veterans and eligible Spouses are given priority of service for the receipt of employment, training and placement services provided under most Maine Department of Labor-funded programs.
Who is eligible for Maine Veterans Services Employment Assistance?
An eligible Veteran is: As defined in 38 U.S.C. 4101, a person who served at least 180 days in the active military, and who was discharged or released under conditions other than dishonorable, as specified in 38 U.S.C. 101(2). Active service includes full-time Federal service in the National Guard or a Reserve Component. The definition of "active service" does not include full-time duty performed strictly for training purposes (i.e., that which is referred to as "weekend" or "annual" training), nor does it include full-time active duty performed by National Guard personnel who are mobilized by State rather than Federal authorities.
An eligible Spouse is: As defined in 38 U.S.C. 4101, means the Spouse of any of the following:
Any Veteran who died of a service-connected disability
Any member of the Armed Forces serving on active duty who, at the time of application for the priority, is listed in one or more of the following categories and has been so listed for a total of more than 90 days:
Missing in action
Captured in the line of duty by a hostile force
Forcibly detained or interned in the line of duty by a foreign government or power
Any Veteran who has a total disability resulting from a service-connected, as evaluated by the Department of Veterans Affairs.
Maine Veteran Occupational Licensing Initiative: Maine's Department of Professional and Financial Regulation (DPFR) leads an initiative in the State of Maine to accelerate the licensing process for Veterans.
Individuals who have military experience and training and who wish to obtain an occupational license receive appropriate credit for their military training and experience. The program allows for quicker, easier licensing for Veterans who have demonstrable military experience in the areas of:
DPFR has flexibility in evaluating and crediting military experience towards licenses and continuing education requirements, eliminating the need for Veterans to undergo duplicative and expensive training.
For more information, please visit the Maine Professional and Financial Regulation, Military Experience and Training Fact Sheet .
Paid Leave for Military Duty for Maine State Employees: State employees must be granted military leave to enter military service or participate in training, whether voluntarily or involuntarily, in peacetime or in wartime. The type and duration of military duty will determine whether the employee remains in pay status. State employee receives 17 workdays paid military leave per calendar year and unlimited leave without pay.
Who is eligible for Paid Leave for Military Duty for Maine State Employees? State employees engaged in any form of military duty are eligible for military Leave.
Military Leave without Pay for Maine State Employees: When military service exceeds the 17 workdays authorized for military leave with pay, the employee must be placed on unpaid military leave. Employees may use, but are not required to use, accrued vacation, compensatory, or personal leave when entering unpaid military service. Provisions for the optional use of accrued vacation, compensatory, or personal leave also apply to employees who are called to active state duty by the Governor.
Who is eligible for Military Leave without Pay for Maine State Employees? State employees engaged in any form of military duty that exceeds 17 days are eligible.
Maine Monetary Compensation for National Guard Service Members on State Active Duty: Members of the Maine National Guard ordered to active state service under section 181‑A, subsections 1 to 5 are entitled to receive at least the same pay and allowances as would be payable to those persons from the United States Armed Forces. Such pay may not be less than pay based upon 12 hours a day at the state minimum wage.
Who is eligible for Maine Monetary Compensation for National Guard Service Members on State Active Duty? National Guard Service members on state active duty are eligible for compensation.
Maine Veterans Preference for Retention in State Employment: In any reduction of personnel in the state service, employees who are Veterans or Gold Star Spouses must be retained in preference to all other competing employees in the same classification with equal seniority, status and performance reviews.
Who is eligible for Maine Veterans Preference for Retention in State Employment? Any Veteran who has served on active duty in the United States Armed Forces including the Reserves of the United States Armed Forces and the National Guard and received a discharge other than dishonorable. Documentation (submission of the DD214) is required.
Any Gold Star Spouse as defined as a Surviving Spouse of a Veteran who is eligible to receive a gold star lapel pin under 10 United States Code, Section 1126 . Documentation (submission of the DD1300) is required.
Maine State Employee Reemployment after Military Duty: State employees who enter military service retain reemployment rights under both the Uniformed Services Employment and Reemployment Rights Act of 1994 and Maine law. The state employee who enters military service on a short-term basis would generally be returned to the position that they left.
Employees who enter military service on a long-term basis would be returned to the position that they left or be returned to a position of like status and pay for which they are qualified. Agency human resource representatives should be consulted if denial of reemployment for any reason is contemplated.
Upon the completion of service (less than 31 days, including weekend drills) employees are also entitled to reasonable time for return travel, and an eight-hour period of rest, before returning to work. The allotted time to apply for reemployment increases incrementally, depending upon the length of service.
Maine Veterans Preference in Hiring: Maine provides a preference for qualified Veterans or Gold Star Spouse who apply for vacancies in classified State service by ensuring that they are offered an interview.
In addition, in accordance with Executive Order 2016-002, if a Veteran applies for a State job and is not ultimately hired for that job, it is the policy of the Bureau of Human Resources to provide guidance to that Veteran on other State of Maine openings for which that Veteran may be qualified to apply.
Who is eligible for Maine Veterans Preference in Hiring? Any Veteran who has served on active duty in the United States Armed Forces including the Reserves of the United States Armed Forces and the National Guard and received a discharge other than dishonorable. Documentation submission of the DD214 is required.
Any Gold Star Spouse as defined as a Surviving Spouse of a Veteran who is eligible to receive a gold star lapel pin under 10 United States Code, Section 1126. Documentation submission of the DD1300 is required.
Federal Employment Veteran's Hiring Preferences: By Federal law, Veterans who are disabled or who served on active duty in the United States Armed Forces during certain specified time periods or in military campaigns are entitled to preference over non-Veterans both in hiring into the Federal civil service and in retention during reduction in force. Veterans may be entitled to 5 or 10 points included in any scoring process for examination or interviews.
5-point Hiring Preference: Five points are added to the examination score or rating of a Veteran who served:
During a war; or
During the period April 28, 1952 through July 1, 1955; or
For more than 180 consecutive days, other than for training, any part of which occurred after January 31, 1955, and before October 15, 1976; or
During the Gulf War from August 2, 1990, through January 2, 1992; or
For more than 180 consecutive days, other than for training, any part of which occurred during the period beginning September 11, 2001, and ending on August 31, 2010, the last day of Operation Iraqi Freedom; or
In a campaign or expedition for which a campaign medal has been authorized. Any Armed Forces Expeditionary medal or campaign badge, including El Salvador, Lebanon, Grenada, Panama, Southwest Asia, Somalia, and Haiti, qualifies for preference.
10-point Compensable Disability (CP) Preference: Ten points are added to the examination score or rating of:
A Veteran who served at any time and who has a compensable service-connected disability rating of at least 10 percent but less than 30 percent.
10-Point 30 Percent Compensable Disability Preference (CPS): Ten points are added to the passing examination score or rating of a Veteran who served at any time and who has a compensable service-connected disability rating of 30 percent or more.
10-Point Disability Preference (XP): Ten points are added to the passing examination score or rating of:
A Veteran who served at any time and has a present service-connected disability or is receiving compensation, disability retirement benefits, or pension from the military or the Department of Veterans Affairs but does not qualify as a CP or CPS; or
A Veteran who received a Purple Heart.
10-Point Derived Preference (XP): Ten points are added to the passing examination score or rating of Spouses, Surviving Spouses, or Mothers of Veterans as described below. This type of preference is usually referred to as "derived preference" because it is based on service of a Veteran who is not able to use the preference. Both a Mother and a Spouse (including Surviving Spouse) may be entitled to preference on the basis of the same Veteran's service if they both meet the requirements. However, neither may receive preference if the Veteran is living and is qualified for Federal employment.
Ten points are added to the passing examination score or rating of the Spouse of a disabled Veteran who is disqualified for a Federal position along the general lines of their usual occupation because of a service-connected disability. Such a disqualification may be presumed when the Veteran is unemployed and
Is rated by appropriate military or Department of Veterans Affairs authorities to be 100 percent disabled and/or unemployable; or
Has retired, been separated, or resigned from a civil service position on the basis of a disability that is service-connected in origin; or
Has attempted to obtain a civil service position or other position along the lines of their usual occupation and has failed to qualify because of a service-connected disability.
Preference may be allowed in other circumstances but anything less than the above warrants a more careful analysis.
A campaign medal holder or Gulf War Veteran who originally enlisted after September 7, 1980, (or began active duty on or after October 14, 1982, and has not previously completed 24 months of continuous active duty) must have served continuously for 24 months or the full period called or ordered to active duty. The 24-month service requirement does not apply to 10-point preference eligible Veterans separated for disability incurred or aggravated in the line of duty, or to Veterans separated for hardship or other reasons under 10 U.S.C. 1171 or 1173.
Uniformed Services Employment and Reemployment Rights Act: Uniformed Services Employment and Reemployment Rights Act (USERRA) protect civilian job rights and benefits for Veterans and members of Reserve components. USERRA also makes major improvements in protecting Service member rights and benefits by clarifying the law, improving enforcement mechanisms, and adding Federal Government employees to those employees already eligible to receive Department of Labor assistance in processing claims.
Absence from Work for Military Duty: USERRA establishes the cumulative length of time that an individual may be absent from work for military duty and retain reemployment rights to five years (the previous law provided four years of active duty, plus an additional year if it was for the convenience of the Government). There are important exceptions to the five-year limit, including initial enlistments lasting more than five years, periodic National Guard and Reserve training duty, and involuntary active duty extensions and recalls, especially during a time of national emergency. USERRA clearly establishes that reemployment protection does not depend on the timing, frequency, duration, or nature of an individual's service as long as the basic eligibility criteria are met.
Disability Accommodation: USERRA provides protection for disabled Veterans, requiring employers to make reasonable efforts to accommodate the disability. Service members convalescing from injuries received during service or training may have up to two years from the date of completion of service to return to their jobs or apply for reemployment.
Return to Work without Loss of Seniority: USERRA provides that returning service-members are reemployed in the job that they would have attained had they not been absent for military service (the long-standing "escalator" principle), with the same seniority, status and pay, as well as other rights and benefits determined by seniority. USERRA also requires that reasonable efforts (such as training or retraining) be made to enable returning Service members to refresh or upgrade their skills to help them qualify for reemployment. The law clearly provides for alternative reemployment positions if the Service member cannot qualify for the "escalator" position. USERRA also provides that while an individual is performing military service, they are deemed to be on a furlough or leave of absence and are entitled to the non-seniority rights accorded other individuals on non-military leaves of absence.
Extension of Health and Pension Plans: Health and pension plan coverage for Service members is provided for by USERRA. Individuals performing military duty of more than 30 days may elect to continue employer sponsored health care for up to 24 months; however, they may be required to pay up to 102 percent of the full premium. For military service of less than 31 days, health care coverage is provided as if the Service member had remained employed. USERRA clarifies pension plan coverage by making explicit that all pension plans are protected.
Who is eligible for Uniformed Services Employment and Reemployment Rights Act? Veterans, Reservists, or National Guard members who leave a position for training or active military service.
The Department of Labor, through the Veterans' Employment and Training Service (VETS) provides assistance to all persons having claims under USERRA, including Federal and Postal Service employees.
VETS Regional Office Locations
Maine Unemployment Insurance Compensation: Unemployment insurance provides a temporary source of income to individuals who have lost their jobs through no fault of their own. Unemployment insurance is funded solely by unemployment taxes paid by employers; employees do not pay into the unemployment system.
You can apply for unemployment online, by telephone, or by mail. Your best option for filing an unemployment claim is to file online. Calling the department to speak with a customer service representative may be difficult during periods of high call volumes, especially Mondays and Tuesdays in the winter; you may experience a long wait time on the phone or get a message to call back later in the day. Wait times are typically shorter on Wednesdays and Thursdays and in the afternoon.
If you are temporarily laid off, your employer may provide you with a partial claim form if they expect to rehire you within a short period.
When you apply, you will need the following information:
Your Social Security Number (and Alien Registration Number if applicable)
The business name, address and telephone number of each place you worked during the past 18 months; and
The jobs you held and the dates you worked (for each employer)
Dependent Information: Social Security number(s) of Children whom you are the main support of
Veterans who separated from the Armed Forces in the past 18 months will need to provide information from a DD214. Federal civilian employees will need to provide information from a SF-8 or SF-50.
Maine Unemployment Insurance Online Filing Portal
Maine Unemployment Insurance Phone and Mailing Directory
Maine’s Unemployment Insurance Guide
Maine Military Service Driver's License Designation: A military service driver's license designator is available. This designation is a widely recognized indicator that will assist military personnel in obtaining qualifying benefits.
Who is eligible for Maine Military Service Driver's License Designation? All applicants must currently be serving in the United States Armed Forces; or provide verification of honorable discharge from the United States military (DD214) or provide certification from the United States Veterans Administration or other appropriate branch of the United States Armed Forces verifying the applicant's military service and honorable discharge. If you currently have the field of stars background on your credential, you may not need to show additional information. If you wish to have the flag indicator added to the license other than at renewal time, there is a $5.00 duplicate fee.
Applicants will also have to bring documentation verifying Maine residency and legal presence in the United States if they have not already done so (a complete list of acceptable documents can be found in the Maine Real ID Brochure ).
Maine Military and Veterans Special Vehicle License Plates: The State of Maine, Bureau of Motor Vehicles offers 14 distinctive license plate designs to honor the service and sacrifice of Service members, Veterans, Retirees and eligible Family members. A short description of some of these license plates is listed below. In addition, 35 Distinctive decals are available to provide a more distinctive look and will allow Veterans to display a special symbol of their service to our country.
Maine Purple Heart License Plate: A Veteran who is a recipient of the Purple Heart medal can obtain up to two sets of Purple Heart Plates. The registration fee is exempt on a vehicle with a registered weight that does not exceed 10,000 lbs.
Maine Disabled Veteran License Plate: A disabled Veteran that has been rated as 100% service-connected (permanent and total) and in receipt of 100% benefits, or any Veteran who has the loss of, or loss of use of both lower extremities. The registration fee is exempt on a vehicle with a registered weight that does not exceed 10,000 lbs.
Or any Veteran who has the loss of both lower extremities or has the loss of use of both lower extremities is exempt from all motor vehicle related fees including excise and sales tax on a vehicle with a registered weight not to exceed 10,000 lbs.
Maine Medal of Honor License Plate: This plate may be issued to a Veteran who is the recipient of the Medal of Honor. The registration fee is exempt on a vehicle with a registered weight that does not exceed 10,000 lbs.
Maine Special Veteran License Plate: Any Veteran who has been honorably discharged from the U.S. Armed Forces, or to a person who has served for at least 3 years and continues to serve qualifies for the plates. The Veteran must show proof of an honorable discharge by producing a DD214 or a letter from the Veterans Administration or appropriate branch of the Armed Forces. 3 sets of plates may be issued to the registrant. There are 35 Commemorative Veteran decals available for display on this plate. There is the regular registration fee of $35.00 (up to 6,000 lbs.) and $37.00 (up to 10,000 lbs.) for this plate.
Maine Gold Star Family Recognition License Plate: Any person who is eligible for a Gold Star lapel button, or a grandparent of a member of the United States Armed Forces, if that member dies after March 28, 1973 as a result of an international terrorist attack recognized by the Department of Defense, or as a result of military operations while serving outside the United States. There is a regular registration fee of $35.00 for this plate.
Maine Bureau of Veterans' Services, Gold Star Family License Plate Fact Sheet
Maine Veteran Decal Program: The Bureau of Motor Vehicles offers qualified Veterans specialized decals for their Special Veterans license plates (plates with the red “V"). These decals provide a more distinctive look and will allow Veterans to display a special symbol of their service to our country.
A Veteran who already has Veterans' plates may obtain decals by bringing a copy of their DD214 (report of separation or discharge from active duty) to verify eligibility to any of the Maine Bureau of Motor Vehicles Branch Offices. The DD214 and the appropriate fee may also be mailed to the:
Bureau of Motor Vehicles
Attention: Registration Unit
29 State House Station
Augusta, ME 04333-0029.
For a Veteran who did not receive a medal until after discharge, and who seeks a decal representing this medal, a copy of the military orders or a copy of the citation will serve as proof of eligibility.
An honorably discharged Veteran may obtain up to three sets of Special Veterans' plates and decals. There is no additional fee for a special Veteran or disability special Veteran plate and the fee for a set of decals is $5.00 per set. There is no fee for replacement decals.
Maine Veterans Commemorative Decal Sample Page
Maine Bureau of Motor Vehicles Branch Offices Directory
TRICARE Reserve Select Health Insurance: TRICARE Reserve Select is a premium-based plan, available worldwide for Selected Reserve, (Reserve and National Guard) and their Families who meet the following qualifications:
Not on active duty orders
Not covered under the Transitional Assistance Management Program
Not eligible for or enrolled in the Federal Employees Health Benefits (FEHB) program or currently covered under FEHB, either under their own eligibility or through a Family member.
The plan provides comprehensive health care coverage when you are not activated and covered by active duty TRICARE benefits.
U.S. Department of Veterans Affairs Life Insurance: The U.S. Department of Veterans Affairs (VA) provides valuable life insurance benefits to Veterans, Active and Reserve Component Service members and their Families to provide financial security given the extraordinary risks involved in military Service. The VA provides the following life insurance benefit programs:
Service Member's Group Life Insurance (SGLI)
Veterans Group Life Insurance (VGLI)
Family Members Group Life Insurance (FSGLI)
Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI)
Service-Disabled Veterans Life Insurance (S-DVI)
Veterans Mortgage Life Insurance (VMLI)
National Guard Association of Maine State Sponsored Life Insurance for National Guard Service Members: The State Sponsored Life Insurance (SSLI) program is derived from United States Public Law 93-289, May 1974, Title 37, and is offered through the National Guard Association of Connecticut (NGACT). This program is comprised of a combination of six voluntary group life policies available to the military members of the Maine National Guard and is designed to help meet the needs of National Guard Service members. Every member of the Maine National Guard is covered with $1,000 SSLI at no cost to the member.
Key Benefits of the SSLI:
Over $500,000 in coverage available for Maine National Guardsman through a combination of the SSLI plans
Coverage available for the Spouse and Children
Rates do not go up just because you separate from the National Guard -you can keep the coverage when you separate
Coverage 24 hours a day, 365 days a year
No War Exclusion - you are covered in combat
No Aviation Exclusion - aviators are covered
New Recruits are eligible for $10,000 SSLI coverage under the MIT Group Life Insurance Plan at no cost for the first year of service in the Maine National Guard. Enrollment must occur within 90 days of joining the Maine National Guard.
Who is eligible for National Guard Association of Maine State Sponsored Life Insurance for National Guard Service Members? National Guard Service members and their dependents are eligible for SSLI.
Maine National Guard Medical covered under Workers’ Compensation Laws during State Active Duty: A member of the state military forces receives compensation as a state employee while on state active duty and is therefore covered under Maine Workers’ Compensation Laws for medical care, disability and death.
Who is eligible for Maine National Guard Medical covered under Workers’ Compensation Laws during State Active Duty? National Guard Service member injured or killed in the line of duty on state active duty.
Maine State Parks and Museum Free Lifetime Pass for Veterans: Veterans are issued a free day-use pass to Maine state parks, museums and historic sites operated by the Maine Department of Conservation. A pass issued under this section does not expire and is valid for the lifetime of the holder. This pass is not valid for the following locations: Acadia National Park, Baxter State Park, Allagash Wilderness Waterway, Penobscot Corridor, Penobscot Narrows Observatory, and Maine Wildlife Park. The pass issued does not expire and is valid for the lifetime of the holder.
Who is eligible for Maine State Parks and Museum Free Lifetime Pass for Veterans? The Veteran must be a resident of Maine and received an honorable discharge or general discharge under honorable conditions to be eligible.
* Please note that Maine Veterans age 65 years or older will not be issued a park pass as they are automatically entitled to free admission as a Maine senior citizen.
To apply for the Maine State Parks and Museum Free Lifetime Pass for Veterans complete the application and mail to:
Maine Bureau of Veterans' Services
117 State House Station
Augusta, ME 04333-0117
Application processing time once received is approximately 2 to 3 weeks.
Maine Bureau of Veterans' Service State Park Pass Application
Maine Resident Day Use Park Pass for Active Military Personnel: The Commissioner of Defense, Veterans and Emergency Management, in accordance with a memorandum of agreement entered into with the Commissioner of Conservation shall issue a free day use pass to state parks and historic sites to eligible active duty military personnel.
The pass entitles the holder, and the holder's Spouse and Children when accompanied by the holder, to admission free of charge to state parks and historic sites.
The Department of Defense, Veterans and Emergency Management shall determine eligibility based on the following criteria.
The person's home of residence is Maine; and
The person is serving in an enlisted grade in the Armed Forces as defined in 10 United States Code, Section 101(a)(4).
Passes are issued for calendar year and may be renewed upon application and verification of continuing eligibility.
Complimentary Maine Hunting and Fishing License for Disabled Veterans: Maine resident and nonresident Veterans (if reciprocal privileges exist in their home state) who have been honorably discharged from the U.S. Armed Forces or the National Guard and have a service-connected disability of 50% or more will be issued, upon application, a complimentary license to fish, trap, or hunt (including all necessary permits and other permissions, and upon meeting qualifications, a guide's license) as well as one expanded archery either sex permit and one expanded archery antlerless deer permit. Veterans must still apply for any-deer & moose permits each year. These licenses may only be obtained from IF&W's main office in Augusta.
Maine Resident Service Member and Dependent Discounted Licenses when Stationed Outside of Maine: Maine military personnel who are on active duty in the U.S. Armed Forces and permanently stationed outside Maine and return to Maine to hunt or fish may purchase a combination hunting and fishing license for $3.00. Spouse and dependent Children who reside with that person may obtain a combination license for $20.00 or hunting license for $10.00.
Non-Resident Service Members and Dependents may Purchase Maine Hunting and Fishing Licenses for Resident Price: Anyone serving in the U.S. Armed Forces and permanently stationed at a military base in Maine (including Spouse and dependent Children if they permanently reside with that person) may purchase a resident license to hunt, trap, or fish.
Maine Hunter Safety Course Exemption of Active Duty Military: An active-duty member of the U.S. Armed Forces who is permanently stationed outside of the U.S. and home on leave is exempt from hunter, archery, and crossbow safety course requirements if they can show proof at time of license application that their home state of record is Maine.
Maine Disabled Veterans Controlled Moose Hunt: The Department of Inland Fisheries and Wildlife has allocated 25 moose hunting permits to disabled Veterans for a Controlled Moose Hunt in Aroostook County.
Most of these permits will go to Maine residents with valid disabled Veteran hunting licenses, drawn at random through a chance lottery. Some may be issued to sponsored Maine Veterans and will not be drawn at lottery, and others may be issued to nonresident disabled Veterans who possess a valid big game hunting license and are sponsored by a National Veterans Organization.
This is a one-time hunt. If you have ever tagged a moose in this hunt, you are ineligible to participate again. Permits will be issued in cooperation with the Department of Defense, Veterans, and Emergency Management. The Maine Bureau of Veterans' Services and its partners will provide logistical support to the selected disabled Veterans during their moose hunt.
To apply or for more information please contact the Maine Bureau of Veterans’ Services at 207-430-6035 or by email to firstname.lastname@example.org.
Maine National Guard Foundation Fund: The Maine National Guard Foundation Fund is organized exclusively for charitable purposes to provide needed financial assistance to members of the Maine National Guard and to those residents of the State who are members of the Reserves of the Armed Forces of the United States and their Families. The Fund may also financially assist active component members and their Families when the active component relief system does not respond in a timely or adequate manner during the times of special or unexpected need.
This grass root account is funded by contributions through Combined Federal Campaign and donations of the Community. This is a grant or loan program for Maine National Guard Families who are faced with an emergency situation that requires financial help. Additionally, these funds can be used for other reserve component military Families who are mobilized and reside in Maine. Each request has to be processed through the Service member's chain of command or rear detachment.
For more information please contact the Maine Military Assistance Hotline at 888-365-9287
Confidentiality of Maine Veterans Military Service Records: A certificate of release or discharge, casualty report, death notice or other record pertaining to active duty service issued by the United States Government, classified by the United States Government as confidential and filed for safekeeping with any state, county or local government authority is confidential for a period of 62 years following its date of issuance. During that 62-year period, it is unlawful for a person to permit inspection of the record, to disclose information contained in the record or to issue a copy of all or any part of the record except as authorized by this section or by court order.
Upon presentation of proper identification, the person who is subject of record, Spouse or next of kin may examine a record filed and obtain free of charge a copy or certified copy of all or part of the record.
Custodian to Provide Copies of Public Record for Maine Veterans Claims to the U.S. Department of Veterans Affairs: When a copy of any public record is required by the United States Veterans' Administration to be used in determining the eligibility of any person to participate in benefits made available by the United States Veterans' Administration, the official custodian of that public record shall, without charge, provide the applicant for these benefits, or any person acting on his behalf or the authorized representative of the United States Veterans' Administration, with a certified copy of that record.
Military Service Discharge Records Requests: Copies of military discharges (DD214 or equivalent) are required as proof of service when applying for benefits offered through state and Federal agencies as well as local municipalities. Below is a list of resources for accessing copies of military discharges.
If you are a Veteran whose home of record at time of entry into the service was the State of Maine, then the Bureau of Veterans' Services may have a copy of your DD214 (or equivalent) on file. The completed application will need to be mailed to Maine Bureau of Veterans' Services for processing. Requests generally are responded to within two business days of receipt. Maine Bureau of Veterans' Services Records Request Applications
If you entered from another state, then you should visit the website of the National Association of State Directors of Veterans Affairs for a listing of state directors. National Association of State Directors of Veterans Affairs Website
The National Archives and Records Administration may also be able to assist in providing you with a copy from the National Personnel Records Center. National Archives and Records Administration website
Maine Honoring Veterans Recognition Program: The State of Maine has established the "Honoring a Veteran" recognition program to honor Maine Veterans for their honorable military service. The program honors those that have made the ultimate sacrifice by giving their lives in defense of freedom, those Former POW's as well as those who are still POW's and/or missing, those who were wounded in action and received the Purple Heart, and all of our Veterans who honorably served our great nation and state.
Who is eligible for the Maine Honoring Veterans Recognition Program? Below is a list of the various State of Maine recognitions that are available:
Gold Star Honorable Service Medal - Awarded to the Families of those Service members that have given their lives in defense of freedom since December 7, 1941 in support of combat operations while deployed and their home of record must have been Maine.
Silver Star Honorable Service Medal - Awarded to Veterans that were Former POW's as well as to those Veterans that received the Purple Heart. The Veteran must have had an honorable character of service and they must have entered service from Maine or has been living in Maine for 5 years.
Bronze Star Honorable Service Medal - Awarded to the Families of those Service members that lost their lives in the line of duty while not in support of combat operations. The Veteran must have had an honorable character of service and they must be a resident of Maine.
Veterans Recognition Certificate - Awarded to Veterans that served honorably. Certificates are available for wartime service during WWII, Korea and Viet Nam. A General Certificate is available for non-wartime service.
Maine Veterans Recognition Certificate Application
Maine Veterans Recognition Certificate Fact Sheet
Women Veterans Silver Coin – Special commemorative coins have been designed and made available to honor women of Maine that have served in the Armed Forces.
ROK Korean War Service Medal - If you served in the country of Korea, its territorial waters, or its airspace during the period of 25 June 1950 to 27 July 1953 you may be eligible to receive the Republic of Korea, Korean War Service Medal.ROK Korean War Service Medal Application ROK Korean War Service Medal Fact Sheet
Maine Veterans' Homes: Maine Veterans' Homes are a system of six nursing home facilities located throughout the State, which were established by public vote in 1977 to provide support and care for honorably discharged Veterans who served in the U.S. Armed Forces. Whether long-term care or rehabilitative services, their team of healthcare professionals works together to develop a customized care plan based on the residents’ needs. The facilities are in the Maine Veterans’ Home in Augusta, the Maine Veterans’ Home in Bangor, the Maine Veterans’ Home in Caribou, the Maine Veterans’ Home in Machias, the Maine Veteran’s Home in Scarborough and the Maine Veterans’ Home in South Paris.
Who is eligible for Care in Maine Veterans' Homes? Admission shall be granted only to honorably discharged Veterans who were residents of Maine at the time of their entry into the United States Armed Forces or who are residents of Maine at the time of application, and to the Spouses, Surviving Spouses, and Gold Star Parents of eligible Veterans, provided that suitable facilities are available. Eligible Veterans must have served one or more days on active duty other than for training purposes in the United States Armed Forces including the Reserve and National Guard components. There is no requirement for the Veteran to have served in combat or have a service-connected disability.
Request a Maine Veterans' Home Brochure
Maine Veterans' Homes Hardcopy Admission Application
Maine Veterans’ Homes Online Application
Maine's Memorial Cemetery System: The Maine's Memorial Cemetery System consists of four cemeteries. The Northern Maine Veterans' Memorial Cemetery in Caribou, two in Augusta Central Maine Veterans' Cemetery - Civic Drive and Central Maine Veterans' Cemetery - Mt. Vernon Road, and the Southern Maine Veterans Cemetery in Springvale.
By law, the State of Maine holds title to all grave lots. The State will, without charge, open and close the grave and furnish perpetual care. Military rank or civilian stature will not be given consideration in selection or size of individual graves. Consequently, all graves will be equal in size and type. Selection of the lot will be made by the Maine Veterans Memorial Cemetery System office in the order that burial requests occur. Eligible dependents will be buried adjacent to the plot of the buried Veteran.
Who is eligible for Burial in Maine's Memorial Cemetery System? Veterans, Spouses, and their dependents are eligible to be buried in Maine Veterans' Memorial Cemetery System (MVMCS). The State of Maine provides the plot, will open and close the grave and supplies perpetual care, at no cost to the Family. Eligible dependents will be buried (or inurned) adjacent to or in the same plot as the Veteran.
Persons eligible for burial in one of Maine Veterans' Memorial Cemeteries are as follows:
Individuals who have served in the active United States Armed Forces. Veterans who served in the active United States Armed Forces include:
Members of the Army, Air Force, Marine Corps or Coast Guard
All persons appointed, enlisted or inducted into the Army, Air Force, Navy, Marine Corps or Coast Guard without component
Army or Air National Guard of the United States and Army, Air Force, Navy, Marine Corps or Coast Guard members on Active Duty pursuant to USC §12301, 12302, 12303 or 14 USC §712
Individuals who served and died as a result of injury, disease or illness sustained while serving on active duty as national Guard
Those members of the reserve components (reserve or National Guard) who served for at least 20 years. Members of the Reserve Components of the United States are eligible for burial if they became entitled to retired pay under 10 USC Chapter 1223 or would have been entitled to retired pay under Chapter 1223 but for the fact that they were under 60 years of age.
In order to be eligible for burial in MVMCS, a Veteran must, if discharged from the armed services, have received an honorable discharge or a general discharge under honorable conditions – provided the discharge was not upgraded through a program of general amnesty.
Spouses, Surviving Spouses and dependent Children are also eligible to be buried in MVMCS. Dependent Children eligible to be buried in the MVMCS include:
Unmarried minor Children
Unmarried dependent Children enrolled in secondary school
Unmarried adult Children who became incapable of self-support before reaching 18 years of age on account of mental or physical disability and are unmarried
Maine Military Funeral Honors: Military Funeral Honors are an entitlement for all honorably discharged Veterans. Family members of a deceased Veteran should notify the Funeral Director of their desire to have Military Funeral Honors rendered at the interment of their loved one. The Funeral Director should contact the appropriate military branch Casualty Assistance Center (CAC) of the deceased.
Who is eligible for Maine Military Funeral Honors? Honorably discharged Veterans are eligible for military funeral honors.
United States Army including Army National Guard, U.S. Army Reserves and Merchant Marine:
Phone: 207-626-7822 / 7805
United States Air Force including Air National Guard and U.S. Air Force Reserves: Maine burials call 207-404-7263. Burials out-of-state are handled by Hanscom Air Force Base and may be requested by calling 781-225-6558 / 781-225-3941.
*Please note that the office at Hanscom must also be notified of any in-state burials.
United States Navy: 860-694-3475 / 860-694-3699
United States Marine Corps: 866-826-3628
United States Coast Guard: 617-990-6249
Maine Veterans' Emergency Financial Assistance (VEFA): The Maine Veterans' Emergency Financial Assistance (VEFA) was created to provide assistance for Maine Veterans who suffer an emergency and do not have sufficient savings or access to other financial assistance to resolve the emergency.
Examples of assistance may include: Damage to the Veterans home due to fire, flood or hurricane that is not covered by insurance; Illness of the Veteran or Family member that results in hardship, assistance to prevent or resolve the Veteran being homeless; and any other condition that puts the Veteran at risk of not having the basic necessities of food, shelter, or safety.
The Maine Bureau of Veterans’ Services may approve up to $2,000 to a Veteran who is currently a resident of Maine. For more information, or to request financial assistance, please contact one of the following organizations:
207-828-0754 ext. 1004
The American Legion Department of Maine
Bureau of Veterans' Services
Maine Bureau of Veterans' Services
Maine Veterans Home Loan Programs: To show appreciation for the commitment and sacrifices made by Maine’s Veterans, MaineHousing is proud to offer SaluteME first time mortgages to qualified active duty, Veterans, and retired military personnel a 0.25% discount to the already low First Home Loan 30-year fixed interest rate.
If you are not a first-time homebuyer, you may be eligible. MaineHousing is waiving the first-time homebuyer requirement for Veterans who may have previously owned a home. This program is called Salute Home Again.
Mortgage loans are available with little or no down payment.
Household income and home purchase price limits apply; however, most Maine households and homes are eligible for the program. Limits can vary depending on how many people live in your household and where the home you plan to buy is located.
Most types of homes qualify for a MaineHousing mortgage, including:
New and existing single-Family homes.
Owner-occupied, 2- to 4-unit apartment buildings.
Permanently attached mobile homes built within the last 20 years and located on owned or leased land.
A SaluteME or Salute Home Again mortgage cannot be used to refinance a home you already own.
SaluteME can be combined with all MaineHousing insurers:
Federal Housing Authority (FHA)
Rural Development (RD)
Veteran’s Administration (VA)
Mobile Home Self Insured (MHSI)
Uninsured (Conventional 20% DP)
United Guaranty Corp. (UG Pilot) * (Limited to First-Time Homebuyers only.)
Salute Home Again can be combined with all insurers except for the United Guaranty Pilot.
The following mortgage options are available:
Advantage - down payment and closing cost assistance - can provide $3,500 toward the cash needed for closing. Applicants choosing Advantage must take a hoMEworks-approved homebuyer education class prior to closing and must make a minimum borrower contribution of 1% of the loan. The cost of the homebuyer education class will count toward the 1%.
Purchase Plus Improvement - home improvements included in your loan amount - finances the purchase and repair of a home with one loan/one closing. If you are eligible, you may include between $500 and $35,000 for home improvements in your mortgage, as long as the cost of the home plus improvements does not exceed program purchase price limits.
MaineHOPE – HomeOwnership Protection for Unemployment - all Maine Housing mortgages also come with payment protection for unemployment. If you are a MaineHousing borrower in good standing and become involuntarily unemployed, they may be able to help by making four mortgage payments, including taxes and homeowner’s insurance. The amount paid becomes a junior mortgage lien, with no interest, that is repaid when you sell the home, pay off your MaineHousing mortgage or stop using the home as your primary residence.
Who is eligible for the Maine Veterans Home Loan Programs? You may be eligible if you:
Are on active duty or have been honorably discharged from military service, or
Served on active duty for 180 days or within a war zone. (National Guard members who meet this qualification are eligible.)
Apply for a MaineHousing Salute ME or Salute Home Again loan at one of the MaineHousing Lenders. For more information please call 207-626-4663.
Maine First Home Loan, Salute ME and Salute Home Again Programs, Income & Purchase Price Limits
Maine State Housing Authority, Advantage Down Payment and Closing Cost Information
MaineHousing Lender Directory
U.S. Department of Veterans Affairs Facilities in Maine: The VA has numerous resources available for Veterans and Family members. Please see the local location listing for your nearest facility.
U.S. Department of Veterans Affairs (VA) Cemeteries in Maine: The Department of Veterans Affairs' (VA) National Cemetery Administration maintains two national cemeteries in Maine. Please see the local location listing for the nearest cemetery.
Military Installations in Maine
Please see the Maine Military Resource Locator for additional information.
Maine National Guard Joint Forces Headquarters
United States Army Reserve (USAR)
99th Readiness Division