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Life Insurance

CHAPTER 4. Restoration and Request for Coverage

4.01 AUTOMATIC RESTORATION
4.02 REQUEST FOR INSURANCE

 4.01 AUTOMATIC RESTORATION

a. After a servicemember has chosen to have a reduced amount of SGLI coverage, a change in duty status will automatically increase SGLI coverage back to the maximum level without evidence of good health. The member is not required to enter this change in SOES, or if member is not yet using SOES, to complete SGLV Form 8286 in this situation.  Example:  A Ready Reservist reduced his SGLI coverage to $200,000 upon entering the Ready Reserves.  He is called to active duty for a one-year period.  His coverage automatically increases the maximum SGLI coverage level.  His coverage will remain at the increased coverage level even when member returns to Reserve status unless a new reduction or declination of SGLI coverage is completed.  If this same member reduces his SGLI coverage to $200,000 while serving his one year on active duty, the member’s coverage will again increase to the maximum coverage level when he returns to Reserve status because this is a change of duty status from active duty to reserves.

b. After a Servicemember elects in writing to not be insured or insured for less than the maximum amount of SGLI and they are deployed to a combat theater of operations, the SGLI coverage amount will increase to the maximum amount of SGLI coverage under the law starting on the date they are deployed. Premiums for this coverage (and TSGLI coverage) will be reimbursed by the uniformed service during the deployment (See 1.07(d)) At midnight on the last day of the month of the Servicemember returns from deployment, their coverage will return to the amount they had prior to deployment.

Example Active Duty Servicemember:   Servicemember declines coverage in April.  She is deployed to a combat theater of operations on July 10 and returns on August 15.  She will have maximum SGLI coverage from July 10 through August 31st.  On September 1, her SGLI coverage will return to zero.

Example Ready Reservist:   A Ready Reservist reduced his SGLI coverage to $200,000 upon entering the Ready Reserves.  He is called to active duty in a combat theater of operations in July.  His coverage automatically increases to the maximum SGLI coverage level due to the change of duty status in July.  The Ready Reservist deploys to the combat theater of operations in August.  He cannot decline coverage while deployed to the combat theater of operations as the law requires maximum coverage during a deployment to a combat theater of operations.  The Ready Reservist returns from the combat theater of operations in December.  He can now reduce his SGLI coverage to $200,000 again; however, his coverage will again increase to the maximum coverage level when he returns to Reserve status because this is a change of duty status from active duty to reserves. 

c. The member's insurance coverage and beneficiary designation are automatically restored as of the date the member is restored to duty with pay, if coverage was terminated because of:

(1) Absence without leave;

(2) Confinement by civil authorities under a sentence adjudged by a civilian court; or

(3) Confinement by military authorities under a court-martial sentence involving total forfeiture of pay and allowances.

4.02 REQUEST FOR INSURANCE

a. If a member elects to cancel or reduce SGLI coverage and later wants to obtain or increase his or her SGLI coverage:

(1) members with full-time SGLI coverage must request the coverage in SOES

(a) If all medical questions are answered “NO” the coverage will be automatically updated in SOES. 

(b) If any of the medical questions are answered “YES” the form will be sent to OSGLI for review and decision. Premium deductions will not change until the decision is received from OSGLI.

(2) members with part-time coverage must request the coverage on form SGLV 8286, Servicemembers’ Group Life Insurance Election & Certificate. (See Appendix A)

(a) The SGLV Form 8286 should be completed and signed by the member in the presence of an authorized representative of his or her uniformed service, who should then complete the certification below the member's signature. In accordance with the instructions on the form, if all medical questions are answered "NO" the form should be filed in the members' personnel file and action initiated to withhold premium payments effective the date the form is received by the branch of service.

(b) If any of the medical questions are answered "YES" the form should be sent to the OSGLI for review and decision. Premium deductions should not be made until the decision is received from the OSGLI.

(c) Both the member and the uniformed service concerned will be advised of the acceptance or rejection of the application by the OSGLI.

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