1st time reader, 1st time writer. My husband is already retired and has DFAS and no SBP listed. I understand that this could a touchy subject and I didn't want to sound like the nosey wife when I asked what happens to his retirement if he should pass away. He told me that nobody get's a penny and his retirement will just stop. Is that true? Also, an adjustment is being made to the retirement and I noticed that he has a family member is listed as a beneficiary, shares are 100%. Why the benefitiary? Please help! Any information would be great. Thank you.
if he did NOT sign up for the survivor's benefit Plan, yes everything ends upon his death.
if you qualify to have an ID card due to his retirement you will be able to keep it until you remarry and thus keep your Tricaree eligibility and base access.
as for the other issue.. that is something you need to ask HIM. if you are a second marriage or he eentered service BEFORE marrying you it is possible he never changed his beneificiary from whoever he orignally had.. and it's equally possible he deliberately assigned it to someone else.
There can be no freedom without sacrifice
Thank you for your quick response. I understand that it that I will need to ask my husband again-just so I have a better understanding of this since this is all new to me. What I know so far is that I am able to get an ID card but my husband tells me that it would be too much money to add me to his VA health insur. or he just says "I don't know". So it's raised some questions that I would like to understand. Is VA coverage diferent from Tricare? b/c I've heard him talk about that as well. I feel completely in the dark and I'm worried to bring this up again-as I don't want him to be upset with me. Thanks again for you help.
VA is TOTALLY seperate from Tricare and no you are NOT eligible for that at all. that is something for him only and directly related to his military service.
deending on how old each of you are the only option may be Tricare For Life and I do not know what the options are there, nor do I know how much it costs. if you are below the age for signing up for TFL he cannot enroll you.
There can be no freedom without sacrifice
Okay thank you once again. That helps clear some of the air I'm just going to jump in fire and talk to him about it. Ur the best.
|Moderator, Veteran's Education|
MSG, USA (Ret),School Certifying Official
Whoa, Spouses are required to attend an SBP briefing with their husband/wifes and sign paperwork saying they have been briefed. Dependet Spouse has to sign this paperwork at the briefing that they understand the information. Did you not go to this briefing? Did your husband somehow sign(forge) your name on the paperwork?
From this web site: http://www.dfas.mil/retiredpay/frequentlyaskedquestions...s/sbpgeneralfaq.html
2. How Does SBP Work?
Answer: Every military member is automatically enrolled at no cost while they serve on active duty. Should they die on active duty with an eligible beneficiary, SBP is payable. In conjunction with their retirement, military members must elect to receive reduced retired pay for their lifetime, so as to continue 55 percent of their retired pay to their survivors following their death. To help military members and spouses make informed decisions on SBP participation, in-depth SBP counseling is provided by installation Retirement Services or Activities Officers (RSO/RAO).
and More importantly this: same web page:
8. Does my spouse have to agree with me?
Answer: Yes, if you cover less than full retired pay, cover children only, or decline coverage, the spouse's written concurrence is required prior to retirement, or the election becomes full automatic coverage. This is rooted in the assumption of benefits a spouse has during your active service.
See where it says Spouse's written concurrence is required prior to retirement!!!!
If you didn't sign this, something is fishy.
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"Every Saint has a past, Every Sinner has a future"
RCC - in her defense, we don't know if she was married to her husband when he retired.
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exactly. not to long ago we had someone who married their spouse AFTER he retired, was married for 20 years and then tried to get half his retirement pay in the divorce. she was NOT eligible since she was not married too him while he is was in.
There can be no freedom without sacrifice
I'd like to thank everyone who has responded to my question. And, just to mk it clearer for you all-I married my husband after he was retired. I did not attend any briefings/meetings nor did I even know about this until recenly when we received something in the mail. When I asked about it my husband told me that when he passes "no one will get a penny". My question is why the benefitiary if no monies will be avail? The benefitiary talks about any "rears" in his retirement that family member gets. Having married him after he retired do I qualify for SBP? Thanks everyone and thanks for the FAQ link. And have a great wknd too, if hear back.
Based on your 28 Apr post, he indeed is having a SBP premium deducted from his retired pay but can't be sure if his 'nobody gets a penny' statement is true. If an ex is the beneficiary and her maritial status has changed (or divorce decree says otherwise), then what he says may be true. The same if dependent children were designated and now they are older than 21 (23 if attending college). All this is a generalization as SBP rules are quite intricate.
And if, at this time, none of his designated SBP beneficiaries are eligible any more then 2 more questions arise:
- Why does he not remove them and designate you as the current SBP; or
- Why doesn't he remove them and pocket some more $$ each month?
As to health care coverage, all I can say is that in TriCare Prime there is an annual enrollment cost & deductible of $230/300 for individual coverage and $460/600 for family coverage. You can research more here: http://www.tricare.mil/mybenefit/ProfileFilter.do;jsess...view%2FPlans%2FPrime. And that the VA does not offer health insurance.
The part of your post that does surprise me is your being afraid to upset him by asking for more detail on what may very well land in lap should he pass before you. Guess he's a big believer in learn-as-you-go.
Good luck; cul8r.
Hello, sorry I couldn't get back sooner. So that I understand...even though there is no SBP election reflecting on this acct. ur saying there is still an SBP premium being deducted? There is no ex or children as a beneficiary but instead it's a family sibling listed for the "aarears of pay beneficiary info" Shares 100%. The reason I fear him getting upset is b/c when I've asked about it before he was quickly on the defence-so I thought being a subject surrounding monies I just didn't bring it up again. Maybe he might be a believer in learn-as-u-go but I think it's an issue of his 3rd time being married and my first. So, while I'm learning-as-I-go-might become a hard lesson that he hasn't learned yet. However, I don't want my husband to be upset with me, nor do I want to harm are marriage (which is very good-to the best of my knowledge)I'm a strong beleiver that family should be included but hearing the same old "I don't know" answer when I ask a question raises a whole bunch of red flags with me and it only makes me seek more information and I also don't think I should be snapped on by my husband when I do asked a question-must be the military in him. Discussions about money mk people build walls so it's understandable to react. I'm just trying to fill in the blanks. Thanks again everyone.
If his Retiree Account Statement shows a SBP Costs with a $$ figure listed in the Pay Item Description section, then someone will be getting something when he dies (unless the beneficiary is also dead). DFAS can't deduct for a SBP election that doesn't exist. Sounds like he may be (or had been) enrolled in the 'Natural Person w/Insurable Interest' option.
Here is the DFAS SBP site: http://www.dfas.mil/retiredpay/survivorbenefits.html. It may be helpful.
Good luck; cul8r.
ARREARS OF PAY BENEFICIARY INFORMATION
What it’s for...
The Defense Finance and Accounting Service (DFAS) uses this form to determine who will receive a retiree’s final prorated paycheck – also known as Arrears of Pay (AOP) – upon the retiree’s death. For example, if a retiree dies on the 5th day of the month, the designated beneficiary will receive 5 days worth of retired pay. In addition to retired pay, AOP may include any monies owed, but not paid during the retiree’s lifetime, such as a credit for SBP overpayment or returned allotment payments.
When my husband started his retirement, we were married, still are. I am on the ARREARS OF PAY BENEFICIARY INFORMATION at 100% and SURVIVOR BENEFIT PLAN (SBP) COVERAGE.
Yes you qualify for the SBP, that is if you and him have been married for atleast 1 year. Do you have your ID card yet? He has to take you to the nearest military post/base and get you one. This ID cards makes you eligible for Tricare and DELTA DENTAL OF CA. You are not eligible for VA, that is for the veterans only.
I am not trying to be noisey, but why doesn't he put you on his ARREARS OF PAY BENEFICIARY INFORMATION at 100% and SURVIVOR BENEFIT PLAN (SBP) COVERAGE. I just can't imagine a man not wanting to take care of their wife. My dad did, then when mom died, dad stopped his. Just ask him why? If it causes problems, will, then, I am really sorry.
Hello and thank you for your message. I am finally got on the SBP but I don't know if I was added to the Arrears (if I need to). I never got an ID card and my husband never mentioned anything about me getting one either. I've asked about Tricare but he tells me it would be too much $$ to add me...so, I'm w/out med./dent. coverage from work or anywhere. I'v noticed that anything that come's in the mail from DFAS or Navy Fed. gets sent to the shredder and all I see is the junk mail or bills when I get home.
Thank you for your support and information my husband is also retired so I don't know what avenue's I can take without him getting so uptight whenever I mention it.
Hello everyone, what a long time it’s been & I want to thank you all again for your support & helpful information. I don’t know how I did it but I’m finally getting my ID card. Forgive me if I still sound lost hence the member name ‘confused1’ but, what does the ID card do? I asked my retired husband of 24yrs in the military if he knew of the ‘deer’s program’ (which I just happened to stumble upon just the other day when a friend mentioned it to me) and he answered “yes, I’ve heard of it but I don’t much about it”. I asked my husband about Tricare and he said it would cost about $600.00 more a yr to add me and then told me this is why he only uses his VA medical insurance.
He tells me that his ex- wife was on tri-care and it was free but that was because he wasn’t retired then. However, I’m getting the opposite answers from people who are also retired and I’m being told that it doesn’t cost a thing to add a spouse to tircare and that it’s free for him as well-that his benefits wouldn’t of changed retired or not. Could it be that he really doesn’t know? Hard to believe when you’ve been in the military for 24 yrs. Does any of this sound true to you? I don’t what the personal gain would be to lie and I don’t understand why he’d want to make things more complicated than they already seem.
Basically I’m going to the Port Hueneme base in CA to get my ID and while I’m there I just wanted to know what else to ask for before my husband tries to rush me out.
If you scroll up to roppd's 1 May 2009 posting, you will find the information on the costs to add you to TriCare. He also posted the website that will give you additional information.
Hello, I am a bit confused about SBP coverage. My husbands current SBP coverage is for child only, but I never signed a waiver stating that i did not want the SBP coverage for myself as his wife. I never went to any briefing during his retirment nor have I ever signed anything. I am afraid that someone forged my name, and now I will not recieve SBP if he dies, and my daughter will be of age for SBP for a child to expire soon. How do I go about finding out who signed that form, and if my name was forged, will I be able to have an open enrolment change under those circumstances to switch it back to spouse? Getting SBP coverage if my husband dies until I die unless remarrying is very important. we have tried to send of for a copy of the SBP form i would have signed at time of retirment, but have had no luck in tracking it down, and he said he doesnt have a copy of that. Please help me,I need a way to get that form, or at least a way to contact someone regarding it that can actually help me. Thanks
|Never let a fool kiss you, or a kiss fool you -- Joey Adams|
Have you contacted DFAS? http://www.dfas.mil/retiredmilitary.html
|Lead Moderator, Veterans Issues & Education |
Here is the information. Have you asked your husband about this issue?
Yes of course I did ask him about it. We were not living together when he retired, and he made me no part of it during the process. we got back together 30 days after he retired, and all i knew at that time (1997) is that he had child survivor benefits coming out, and people asked me why I waved my SB as a spouse, and I said I didnt. So when i asked him he said he didnt know or remember that long ago, and I told him that I am supposed to sign away my rights to SB in order to go to a child. His reply was I hope I didnt forge your name. I have a form that i had him sign to request a copy of the survivor benefits form that i "supposedly signed" but where i sent it, they said they didnt have them there and that they passed my info on to the right department. well that was 2 years ago, and I have received nothing. I really need to know who can help me get ahold of the form that i supposedly signed. Do you know if I would qualify to get an open enrollment change if this is the case that my name is forged??? I mean do they not ask for military ID from the spouse when signing off her rights to money she will get for the rest of her life if her spouse dies??? My luck he took in the 19 year old girl he was seeing at the time and she possed as me and signed my name.
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