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Part VI: Procedures for Actions Affecting FSGLI

(ONLY For Army, Navy and Air Force)
(NOTE: While the specific procedures pertaining to DEERS and the DMDC SGLI website described in this section apply only to the Army, Navy and Air Force, the general principles apply to the other uniformed services - procedural mechanics will differ with each of the other uniformed services.)

For Marine Corps procedures refer to MARADMIN Number 442/01 dated 09/20/2001 and PAAN 51-01 AND RPAAN 31-01 AUTOMATIC FAMILY SGLI DEDUCTION dated 10/03/2001.

General Information

Two points must be kept in mind when dealing with actions that affect a change to FSGLI coverage:

  1. FSGLI coverage is automatic, and
  2. it is a two-step process to affect a change to FSGLI coverage and premiums.

1. FSGLI Coverage is Automatic

Like SGLI coverage, in most cases*, FSGLI coverage is automatic and the maximum coverage is the automatic level. However, spouses must be registered in DEERS for proper premiums to be paid. Also, if a Servicemember wishes to have something other than coverage at the maximum level, he/she must make an election to initiate this choice. The election is processed by use of the DMDC SGLI website (see Part VIII Appendix A - "Resources and Points of Contact for Questions Concerning FSGLI" for more information concerning the SGLI website).

*Exception: FSGLI spouse coverage is not automatic for Servicemembers who marry other Servicemembers on or after January 2, 2013.

2. It is a Two-step Process to Affect a Change to FSGLI Coverage and Premiums

Step One - A FSGLI election form (SGLV Form 8286A) must be completed to show the desired change.

Step Two - DEERS must be updated by use of the DMDC SGLI website.

The entry into the DMDC SGLI website is the action that will cause a change in the FSGLI premiums collection. The current version of the SGLI website performs all updates at the end of the month the entry is made on the DMDC SGLI website screen.

When processing elections to reduce, restore or increase coverage...
If the end of the month of entry on the SGLI website is not the proper effective date of the premium change, then a request must be done to have retro premiums collected or refunds made.

When processing elections to decline/terminate coverage...
The default date shown on the screen is the last day of the month in which you are using the DMDC SGLI website. If the default date is not the proper termination date, use the "Override Termination Date" function to enter the correct termination date.

DMDC SGLI website Note: If a spouse is not registered in DEERS, action must be taken to register the spouse in DEERS via RAPIDS before the DMDC SGLI website can be used to modify the FSGLI. It is service policy that all dependents are to be registered in DEERS and all changes to dependents are to be reported in DEERS within 30 days of the change.

DEERS Interaction With DFAS for FSGLI Premiums

Once a month, FSGLI information flows from the Defense Financial Accounting Service (DFAS) to DEERS and then DEERS information flows back to DFAS. The timing of these data flows determines when actions done in DEERS will actually affect the premium deductions from the member's paycheck at DFAS. The timing of these data flows is as follows:

Date of the Month From To Component Affected
5th DFAS DEERS Active/Reserve/Guard
25th DEERS DFAS Reserve/Guard
3rd (of the following month) DEERS DFAS Active Duty

The 25th and 3rd of the month are the dates that DEERS actually sends the information to DFAS. In order for an action to be included, it needs to be entered into DEERS at least two days prior to these dates.

5th of the Month:
The DFAS data on the 5th of each month provides SGLI information to DEERS based on the previous month's pay record. This information includes the amount of SGLI coverage for each Servicemember and the pay source (Active or Reserve/Guard). DEERS uses this data in preparing their data that is returned to DFAS in the last part of the cycle.

25th of the Month:
The DEERS data on the 25th of each month is three Reserve/Guard files - one for Army, one for Navy and one for Air Force. These files contain information about which spouses are covered by FSGLI and the premium amount to deduct from each Servicemember's paycheck. DEERS also sends a Reserve/Guard Refund file that contains FSGLI refund information.

3rd of the Month:
The DEERS data on the 3rd of each month is three Active Duty files - one for Army, one for Navy and one for Air Force. These files contain information about changes to FSGLI premiums (i.e. starts, stops, increases, and decreases) and include premium amounts and effective dates. If DEERS receives no change for a spouse, DFAS will assume that the spouse FSGLI coverage is the same as the previous month.

DFAS will deduct the premium amount from a Servicemember's pay check based on the information in DEERS at the time DEERS sends the Active Duty files, Guard/Reserve files, and Guard/Reserve Refund files to DFAS.

Procedures For Affecting Changes To FSGLI

Table 1 below outlines the procedures for affecting changes to FSGLI. The table provides guidance for the personnel/pay specialist when processing a FSGLI change. The table is broken into the following categories:

In the case of - the four types of changes that may be processed

Reporting method - the method used to request and report the change

Effective date of change - the date the change becomes effective

Last/First premium due - the month premium payments should begin or end

Refunds/Retro Premiums explains what premium adjustments may need to be made

Appendix C, Examples Illustrating Timing of FSGLI Changes and Payroll Actions provides examples showing the timing of actions to change FSGLI and when the change will impact the Servicemember's pay. These examples may be helpful to the personnel/payroll specialist in determining when a FSGLI change will show in the members' paycheck, and the amount of refund or retro premiums due.

Table 1 - Procedures For Affecting Changes To FSGLI
In the case of Reporting method Effective date of change Last/First premium due Refunds/Retro Premiums
Divorce being reported: Information concerning the divorce must be entered into DEERS via RAPIDS Effective date of the end of paid coverage is the date of divorce Last premium is due for the month of the divorce Premiums are refunded back to the month following the divorce.
Election to terminate or reduce the level of coverage: SGLV Form 8286A must be completed and data entered into DEERS via the DMDC SGLI website

(NOTE: If a Servicemember is completing an SGLV Form 8286 in order to end or decrease coverage of his/her own SGLI, he/she must also complete an SGLV Form 8286A to affect the appropriate change in the FSGLI.)
Effective date of the end of paid coverage is the date the Servicemember's unit receives the form. Last premium is due for the month in which the unit receives the form. Premiums are refunded back to the month following the date the form is received in the unit.
Marriage to a civilian being reported: Information concerning the marriage must be entered into DEERS via RAPIDS Effective date of the coverage is the date of the marriage. First premium is due for the month of the marriage. Retro premiums are due back to the month of marriage
Election to request or restore coverage or increase the level of coverage: SGLV Form 8285A must be completed and data entered into DEERS via the DMDC SGLI website

(NOTE: If a Servicemember is completing an SGLV Form 8286 in order to restore or increase coverage of his/her own SGLI, he/she must also complete an SGLV Form 8286A to affect the appropriate change in the FSGLI.)
Effective date of coverage is the date the Servicemember's unit receives the form. First premium is due for the month in which the unit receives the form.

If any one of the health questions is answered "Yes," and the form is forwarded to OSGLI, then premiums should not begin until a positive decision on the coverage is made.
Retro premiums are due back to the month in which the form was received in the unit.