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Life Insurance

Part II: Ending FSGLI Coverage

General Information

The Servicemember can choose to decline FSGLI spouse coverage at any time; however, FSGLI dependent child coverage is not affected by the declination of FSGLI spouse coverage. FSGLI dependent coverage will remain in effect as long as the Servicemember has full-time SGLI coverage and the dependent child qualifies as an insurable dependent.

All FSGLI coverage will also end due to any event that causes the member's full-time SGLI coverage to end, or if the spouse or child becomes ineligible to be covered under FSGLI.

Ending Spouse Coverage

FSGLI spouse coverage ends due to the following events:

  1. Servicemember elects to decline SGLI coverage (SGLV form 8286)
  2. Servicemember elects to decline FSGLI spouse coverage (SGLV form 8286A)
  3. Servicemember's marriage ends due to divorce
  4. Servicemember dies
  5. Servicemember is discharged from the service

1.  Servicemember elects to decline SGLI coverage

If a Servicemember elects to decline SGLI coverage, a SGLV Form 8286 must be completed. When completing Form 8286, the Servicemember should also complete an SGLV Form 8286A declining Family spouse coverage. This is so administrative action can be taken to stop the deduction of FSGLI premiums. (However, FSGLI spouse coverage cannot, by law, continue after a Servicemember elects to decline SGLI coverage, even if a SGLV Form 8286A is not completed.)

DMDC SGLI Web site Note (for Army, Navy & Air Force): When the Servicemember completes a SGLV Form 8286 to decline SGLI and SGLV Form 8286A to decline Family spouse SGLI, the FSGLI declination should be processed in the DMDC SGLI Web site to stop the deduction of FSGLI premiums.

2. Servicemember elects to decline FSGLI coverage

SGLV Form 8286A must be completed in order to decline FSGLI coverage. An election made on SGLV Form 8286A takes effect upon the date the form is received by the Servicemember's unit. Coverage may be declined prior to automatic issue or after coverage has been in effect.

Spouse coverage declined upon entry into service:

If a Servicemember elects to decline FSGLI spouse coverage, a SGLV Form 8286A must be completed. If the form is completed on the day of induction, then no Family spouse coverage exists and no premium is due.

DMDC SGLI Web site Note (for Army, Navy & Air Force): While the Servicemember completes the SGLV Form 8286A on the day of induction, it cannot be processed in the DMDC SGLI Web site until the spouse is recorded in DEERS. As soon as the spouse is recorded into DEERS, the declination of spouse coverage can be processed in the DMDC SGLI Web site. Use the "Override Termination Date" function to enter the date of induction as the proper termination date.

Spouse coverage declined upon change in duty status:

If a Servicemember elects to decline FSGLI spouse coverage after receiving the maximum coverage due to a change in duty status, the Servicemember must complete an SGLV Form 8286A If the form is completed on the date of change in duty status, then no Family spouse coverage exists and no premium is due.

Spouse coverage declined upon marriage while in service:

If a Servicemember elects to decline FSGLI spouse coverage, when he/she is about to be married, while in service, the Servicemember must submit SGLV Form 8286A to his/her unit prior to the marriage. Then no FSGLI spouse coverage exists and no premium is due.

DMDC SGLI Web site Note (for Army, Navy & Air Force): While the Servicemember submits the SGLV Form 8286A to his/her unit prior to the marriage, it cannot be processed in the DMDC SGLI Web site until after the marriage, when the spouse is recorded in DEERS. The unit will hold the SGLV Form 8286A until the Servicemember reports the marriage and the spouse is entered into DEERS. Immediately after the DEERS update, the declination of spouse coverage can be processed in the DMDC SGLI Web site Use the "Override Termination Date" function to enter the date of marriage as the proper termination date.

Existing spouse coverage declined:

If after FSGLI spouse coverage exists (i.e. if not declined on the day of induction or prior to a marriage) and the Servicemember wishes to discontinue spouse coverage, a SGLV Form 8286A must be completed. A premium is due for the month the election was received by the service. No further premiums are due.

In this case, the spouse has 120 days of free coverage beginning the date the election was received by the member's unit. During this period, the spouse has the opportunity to convert the FSGLI spouse coverage into a commercial life insurance policy.

Example: The Servicemember's SGLV Form 8286A is received by the unit on or after the date of the marriage. The spouse coverage automatically begins with the marriage and premiums are due. The last spouse premium due is for the month in which the form is received. Any premiums collected after that month should be refunded to the Servicemember.

DMDC SGLI Web site Note (for Army, Navy & Air Force): The SGLV Form 8286A is processed in the DMDC SGLI Web site in order to stop premium collection. If processed promptly, the default termination date should be the month and year the form is received by the unit. If the default date is not correct, use the "Override Termination Date" function to enter the date the form was received by the unit as the proper termination date.

3. Servicemember's marriage ends due to divorce

When a Servicemember's marriage ends due to divorce, a premium is due for the month of the divorce. No further premiums are due.

The spouse has 120 days of free coverage beginning the date of divorce. During this period, the spouse has the opportunity to convert the FSGLI spouse coverage into a commercial life insurance policy.

4.  Servicemember dies

When a Servicemember dies, a premium is due for the month of the death. No further premiums are due. The spouse has 120 days of free coverage beginning the date of the Servicemembers death. During this period, the spouse has the opportunity to convert the FSGLI spouse coverage into a commercial life insurance policy.

5. Servicemember is discharged from service

When a Servicemember is discharged from active duty or separated from his/her Ready Reserve or National Guard obligation, a premium is due for the month of discharge/separation. No further premiums are due. The spouse has 120 days of free coverage beginning the date of discharge/separation. During this period the spouse has the opportunity to convert the spouse FSGLI coverage into a commercial life insurance policy.

Ending Dependent Child Coverage

FSGLI dependent child coverage ends due to the following events:

  1. Servicemember elects to decline SGLI coverage
  2. Child no longer qualifies as an insurable dependent
  3. Servicemember dies
  4. Servicemember is discharged from the service

Note: FSGLI dependent coverage is not affected by the members election to decline FSGLI spouse coverage SGLV Form 8286A)

1. Servicemember elects to decline SGLI coverage

If a Servicemember elects to decline SGLI coverage, a SGLV Form 8286 must be completed. Elections made on SGLV Form 8286 take effect upon the date the form is received by the Servicemember's unit.

SGLI coverage declined upon entry into service:

If the Servicemember declines SGLI coverage upon entry into service, no FSGLI dependent child coverage exists.

Existing SGLI coverage declined:

If the Servicemember cancels SGLI coverage after it already exists (i.e. if not declined on the day of induction), the FSGLI dependent child coverage will end 120 days after the date the member's unit received the election. Dependent child coverage cannot be converted to a commercial policy.

2. Child no longer qualifies as a dependent

FSGLI dependent child coverage ends 120 days after the date the child no longer qualifies as a dependent child of the Servicemember as defined in Part I (i.e., the child's 18th birthday). Dependent child coverage cannot be converted to a commercial policy.

3. Servicemember dies

FSGLI dependent child coverage ends 120 days after the date of death of the Servicemember. Dependent child coverage cannot be converted to a commercial policy.

4. Servicemember is discharged from service

FSGLI dependent child coverage ends 120 days after the Servicemember's date of discharge/separation. Dependent child coverage cannot be converted to a commercial policy.