If you make an election after the first day of duty, it will be effective at the end of that month. There is no additional premium required for this coverage. Service members who are Disabled: Service members who are covered under full-time SGLI and are totally disabled at time of discharge may be eligible to retain the Service members' Group Life Insurance SGLI coverage they had in service at no cost for up to two years.
The member may receive in a lump-sum payment a portion of the face value of the insurance. The Accelerated Benefit paid to the member will be the amount requested, minus an interest deduction, which is the amount OSGLI actuarially determines to be the amount of interest lost due to early payment. The portion of the face value of insurance which is not paid in a lump sum as an accelerated benefit remains payable to the member's designated beneficiary ies upon their death.
Monthly deductions for SGLI and premiums for VGLI shall be reduced in a manner consistent with the percentage reduction in the face value of the insurance as a result of payment of the Accelerated Benefit. This also covers inactive-duty training or drill. In most cases, orders will be written or extended to keep the member on active duty until the specific injury, illness or disease is cured or any resulting disability cannot be improved by further hospitalization or treatment.
Those on active duty for 30 days or less whose orders are modified or extended for medical treatment that results in active duty for a period of more than 30 days are entitled to the same medical and dental care as active-duty members. But benefits can be denied if the injury, illness or disease, or aggravation of an injury, illness or disease, is the result of gross negligence or misconduct.
Active duty more than 30 days. Once reservists are ordered to active duty for more than 30 days, their health care benefits status changes.
Not only do they have benefits, but in most cases their families also are eligible. Coverage can begin up to 90 days before a mobilization and last up to days after demobilization.
The types of benefits are tied to the type of duty. Reservists activated in support of a contingency operation, such as the wars in Iraq and Afghanistan, are immediately eligible for benefits within the Defense Department health care system. Family members also are eligible if orders specify a call to duty for 31 days or more. Tricare is a combination of military medical services and civilian hospitals and health care workers. It offers managed care as well as a traditional fee-for-service plan and is available in the U.
For more information, visit www. Tricare Reserve Select. Members of the Selected Reserves can buy Tricare coverage when in a drilling status not mobilized , provided they meet specific criteria under the Tricare Reserve Select program. Monthly premiums are adjusted each Jan. The program has continuous open enrollment. If a TRS Request Form DD Form is received before the end of any given month, the member can choose the first of the next month or the first of the following month to start receiving coverage.
Coverage includes medical, behavioral and prescription drug benefits. For office visits, patients pay 15 percent of the allowable charge if the health care professional is in the network and 20 percent for out-of-network services.
More information on Tricare Reserve Select is online at www. Civilian insurance. Reservists may choose to continue civilian health insurance coverage during periods of active duty. However, the military will not pay the premiums. This option allows families to use their own doctors without military approval. In this situation, Tricare would become the second payer for any civilian claims.
In the event civilian insurance is not continued, the law guarantees immediate re-enrollment in a civilian insurance plan upon release from active duty.
Military space-available. Family members are eligible to receive health care from active-duty military medical facilities on a space-available basis — that is, if the facility has health providers in the right specialties and appointments are available. This availability varies depending on size and capability of the local military medical facility.
Transitional health care. Reservists ordered to active duty or who volunteer to remain on active duty in support of a contingency operation, as well as dependents, are entitled to medical care for days after release from active duty. There are no enrollment fees. Transitional dental care.
Demobilizing National Guardsmen and reservists in TAMP have the same access to dental benefits as active-duty personnel. For more information on TAMP, visit: www. For reservists who live near military facilities, fitness centers can save hundreds of dollars annually in health club fees. Many are equipped with state-of-the-art treadmills, stationary bicycles and weight machines.
Most offer aerobics and other exercise classes. Some offer co-op child care facilities where spouses agree to help one or two days a month to receive the service. Facilities include courses for open play and tournaments, driving ranges and services such as instruction, pro shops, and food and beverages. Reservists need to call ahead for availability. Libraries support voluntary education, career transition, professional military education and family activities.
They provide books, CDs, videotapes and other items for loan as well as Internet access. Premiums are 6. Premiums are deducted from paychecks automatically. To refuse coverage or to choose coverage at less than the maximum coverage, a member must make a written request.
Family SGLI. Monthly premiums for spouses are based on age. Traumatic injury insurance. This insurance coverage applies to traumatic injuries regardless of where the injury occurs, on or off the job — even an injury suffered while mowing the grass at home is included.
In late , the program expanded to cover injuries to the genitals and urinary system, injuries that have increased in recent years as a result of the many insurgent attacks in Iraq and Afghanistan using improvised explosive devices.
Retroactive payments will be made regardless of whether service members had SGLI coverage at the time of their injury. If troops die of their wounds, their families also may qualify for TSGLI payments, in addition to other death benefits, if the member survives for at least seven days after the traumatic event.
Troops still on active duty, as well as those who have left the service, can qualify for the payment, which is paid on top of any other Department of Veterans Affairs disability or pension benefits.
But to qualify, the injury must have been incurred before the service member separated from the military. SGLI and reservists. National Guard and reserve members assigned to units in which they are scheduled to perform at least 12 periods of inactive duty creditable for retirement purposes have full-time SGLI coverage days a year. They are also covered for days following separation or release from duty. If they do not want the maximum coverage while in the new duty status, they must complete form SGLV and give it to their servicing personnel office.
This applies to most SGLI policy holders including members of the:. To obtain one you must either have a Common Access Card or be one of the following:. There are only a few instances where Servicemembers Group Life Insurance coverage would be forfeit. This type of coverage is for combat injuries, but not limited to them. TSGLI also covers service members for injuries incurred on or off duty. Spouses require a premium but dependent children are covered at no charge to the service member.
S-DVI is available in a variety of plans that include term insurance options. The Department of Veterans Affairs makes counseling services available for veterans and currently serving men and women in uniform to help assign beneficiaries, write last wills and testaments, and other crucial planning. What if I need help with my claim? Which forms would my family member need? Last updated: October 27, Back to top. Coverage amount in U. Monthly premium rate in U.
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