Mil-to-Mil? Are you fully covered?

F.E. WARREN AIR FORCE BASE – Did you know you could have coverage of up to $100,000 for your spouse just for a premium as low as $5.50 a month?

The National Defense Authorization Act (NDAA) of 2013 repealed automatic enrollment in Family SGLI (FSGLI) for service members who are married to other service members effective January 2, 2013.

So if you got married on or after January 2, 2013, coverage is not automatically issued, and you and your spouse must apply separately for that coverage. Both can apply by logging onto milConnect online in the SGLI Online Enrollment System (SOES). Coverage is effective on the date of application, if application is approved. Premium is due from the date of application if coverage is issued.

If you’re wondering what happened if you got married before that date, your spouse coverage was automatically issued to both spouses, coverage was effective on the date of marriage, and premium is owed from the date of marriage unless you opted out of the coverage after 30 days of marriage.

If you are looking to register changes to your elections, keep in mind your spouse and marriage must be registered in DEERS. As a uniformed service member, to check/change your current SGLI and FSGLI coverage, sign into milConnect and look for Life Insurance on milConnect’s Benefits menu. Once you click on Life Insurance you will answer a series of questions and then choose the Edit Coverage Tab. If you are Public Health Service, have part time SGLI coverage, or your Service is not yet using SOES, ensure you use the SGLV 8286A form to make Family SGLI coverage changes and contact your Personnel Office to finalize your changes.

For complete information regarding FSGLI and joint-service marriages, please read the Family SGLI Procedures Guide. If you have more questions or are curious about what other entitlement or benefits you may have, don’t hesitate to contact your base Personnel Office or Casualty Assistance Office.