Should a government shutdown furlough occur, those who are furloughed may experience financial hardship due to delayed paychecks that will be paid retroactively. If you are affected and experience financial challenges, consider the following tips and resources outlined on this web page.
- Call your mortgage and utility companies to inform them of the situation. They may grant leeway with payments.
- Remember that failure to pay without contacting the company first could result in a negative impact to your credit score.
- Some credit card issuers waive late fees for those impacted by a shutdown.
- If your credit card company isn’t offering relief and you’re less than 30 days late, ask the issuer to please remove the late fee from your statement.
- Once you’re more than 30 days late, the issuer can report your tardiness to the credit bureaus.
- Call your credit card company and ask to speak with the hardship department. Explain your situation and ask if you can get help. You may be able to modify payments for a limited time.
Need Help? HRO Employee Benefits & Entitlements team is available and monitoring emails:
Quick Links
T32/T5 Missing Pay Entitlements on Leave Earnings Statement (LES) for Pay Period End Date 4 Oct 2025
- Impacted pay period: 21 Sep 2025 through 4 Oct 2025
- End of the 4 Oct 2025 pay period occurred after the lapse of appropriations.
- Some entitlements and/or premium pay categories may not be eligible (even at a percentage of workdays) for payment until the furlough is over.
- Most commonly used are overtime pay, cash awards (EOY SASA), differential pay, recruitment/relocation/retention incentives (3R), any type of premium pay (weekend/holiday/Sunday/etc.), & Air Traffic Controller pay
- View a complete list (disregard codes which are strictly for timekeepers, comptrollers and USPFO)
- If an employee separated who is entitled to severance pay or a lump sum payout for annual leave, this may also be delayed.
Benefits Guidance During a Government Shutdown Furlough for Title 32 & Title 5 National Guard Employees
211 Wisconsin
211 Wisconsin connects you with thousands of nonprofit government services in your area for a variety of needs…food, clothing and utilities.
EANGUS We Care for America Foundation
National Guard Relief Foundation that offers grants and loans for Service members (enlisted and officer).
United Services Automobile Association (USAA)
USAA members can apply for a no-interest loan equivalent to one missed paycheck (up to $6,000) if employed by an impacted Federal agency.
PenFed
PenFed members may quality for an interest-free loan in the amount of their net pay (up to $6,000) through its government furlough Direct Deposit Assistance Program. PenFed also offers an emergency relief loan at the lowest available rate for a personal loan product.
Wisconsin Military & Family Readiness (WMFR)
WMFR Specialists may have additional community resources or grant/loan opportunities and can be reached at 1-800-292-9464, option 1. WMFR Specialists are available to help Airmen, Soldiers and all Veterans.
Military OneSource (MOS), Personal Financial Counselors (PFC) & Military Family Life Counselor (MFLC)
MOS, PFC and MFLC services will continue to provide career, financial and non-medical counseling as these services are paid by already funded contracts.
MFLC (Air): 608-215-3037
MFLC (Army): 352-801-2742
Air Force Aid Society & Army Emergency Relief
Available to T10 Soldiers & Airmen
The information provided on this web page does not constitute an endorsement by the Wisconsin National Guard. The information on this page is pulled directly from the following site: https://armyeitaas.sharepoint-mil.us/sites/NGWI-HRO/SitePages/Gov-Shutdown-Furlough-Guidance.aspx