Leave Each person in the naval service earns 30 days of paid leave each year in addition to holidays. A  person  would  have  to  work  many  years  to  earn a benefit of that size in the civilian sector. Recreation Many  naval  stations,  bases,  and  airfields  have outstanding  recreational  facilities  armed  forces personnel  and  their  families  can  use  at  no  cost  or at a nominal cost. The quality of facilities varies with  each  site;  however,  most  facilities  rival  those found  in  the  civilian  sector.  Additionally,  many commands  allow  service  members  to  take  part  in intramural  sports  during  working  hours. Family Services Family  Service  Centers  (FSCs)  provide services,  information,  and  referral  on  a  full  range of  family-related  resources,  organizations,  and programs.  The  many  internal  and  external  family service  programs  FSCs  offer  include  the  following: American Red Cross Navy Sponsor Program Chamber of Commerce United  Services  Organizations  (USO) Navy  League Volunteer  programs Navy  Relief  Society Wives clubs Family  Ombudsman  programs Family  information  schools Public  Affairs  Office Personal  and  family  enrichment  programs Financial  counseling  and  education Child  care  information  and  services Relocation  information  and  services Emergency  services  and  assistance Special  needs  family  information Retired  personnel  information Welcome  aboard  packages Hospitality  kits Wifeline   publications Sponsor  Program  guidance  and  assistance Navy  Lodge Navy  lodges  provide  temporary,  inexpensive housing for military personnel and their families for up to 30 days during permanent change of station  transfers.  Under  hardship  conditions  the local  commander  may  authorize  an  extension  on a  case-by-case  basis.    Lodging  for  military personnel  and  their  families,  relatives,  and  guests is provided for short visits. Retired military personnel and their families may stay at the Navy lodge  on  a  space-available  basis.  Transient military  personnel  on  temporary  duty  orders  may use  the  Navy  lodge  if  the  bachelor  facilities  are full. The toll free telephone number for the Navy Lodge  is  1-800-Navy-Inn  (1-800-628-9466). Low-Cost  Life  Insurance An overlooked benefit of being in the Navy is low-cost life insurance. Many servicemen’s benefit  organizations  offer  excellent  low-cost  life insurance.  You  should  comparison  shop  to  receive the  best  overall  value.  The  Navy  officially recognizes and endorses only two sources of low- cost life insurance for active-duty personnel: Serviceman’s Group Life Insurance (SGLI) and the Navy Mutual Aid Society. SERVICEMAN’S GROUP LIFE INSURANCE (SGLI).  —SGLI is available to personnel serving on active duty, serving on active duty for training, or  performing  inactive  duty  for  training.  Coverage is available while personnel are on active duty and up to 120 days after separation. The cost is $.40 a month per $5,000 of coverage to a maximum of $100,000. Personnel automatically receive maximum  coverage  upon  entering  the  service. NAVY MUTUAL AID SOCIETY.  —The Navy  Mutual  Aid  Society  is  the  only  organization 5-3