Family Servicemembers’ Group Life Insurance (FSGLI)
On 1 November 2001, FSGLI was established for spouses and dependent children of service members insured under the SGLI program.
FSGLI provides a maximum of $100,000 of life insurance coverage for spouses, not to exceed the amount of SGLI coverage the Sailor has in force and $10,000 for dependent children. Spouse coverage is available in $10,000 increments.
The Defense Enrollment Eligibility Reporting System (DEERS) is the data source for determining enrollment for FSGLI coverage. The Under Secretary of Defense directed service members to report any changes in dependency status; such as a marriage or the birth of a child within 60 days of the event. This is in addition to the sponsor’s responsibility to report all dependents regardless of their eligibility for enrollment in other benefit programs (i.e. military spouses) such as FSGLI.
Military members married to military members must report all dependents immediately, including their spouses who are sponsors in DEERS to avoid an indebtedness for delinquent FSGLI premiums.
FSGLI coverage is not available to retirees insured under Veterans’ Group Life Insurance.
Sailors who decline or elect reduced FSGLI coverage must complete a SGLV-8286A to document their decision.
Spouse premiums are calculated based on their age at the time co coverage is established.
Dependent Children: Dependent child coverage is set at $10,000 for each dependent child. Effective 18 November 2009, the law expanded FSGLI coverage to include a service member's "stillborn child" as an insurable dependent. SGLI dependent coverage provides for a $10,000 payment to the insured service member upon the death of the member's dependent child. Prior to the passage of the law, a member's "stillborn child" was not covered by FSGLI. This change applies only for stillbirths on or after 10 October 2008.
HELPFUL LINKS: The following links may help simplify FSGLI or the submission of a FSGLI claim
Double click on the following links to obtain more information about FSGLI:
MILPERSMAN 1741-030, Family Servicemembers’ Group Life Insurance
MILPERSMAN 1770-250, Reporting Death of Naval Dependents and Submission of Family SGLI Claims
Family SGLI Procedural Guide.
The failure to register/enroll in DEERS has created a debt to the member(s). The FSGLI premium is a debt because OSGLI would have issued a payment regardless of unpaid premiums. The FSGLI office would have paid the claim and deducted the premium debt from the issued payment.
Spouses are automatically insured for $100,000 and each dependent child for $10,000. Spouse coverage is provided and premium rates are dependent on the spouse’s age. As long as the member maintains SGLI coverage the Dependent children are covered free of charge.
Military married to civilian: Spouses are automatically covered under FSGLI as of NOV 2001 or the date of marriage whichever is later. Civilian spouses will be automatically enrolled unless the member declines coverage in writing. The coverage will continue free of charge for 240 days after members release from active duty or retirement.
Military married to military: SGLI and FSGLI (spouse coverage) are automatic for a combined maximum coverage of up to $500,000.00 each. This will stay in effect until one or both Servicemembers’ sign form SGLV 8286A , declining FSGLI. Military married to Military are directed to register their active duty spouse in "DEERS" under the condition "terminate entitlement under sponsor". This condition will terminate the entitlement of the dependent under a specific sponsor, but does not terminate the spouse, dependent relationship. The relationship in DEERS will read "Spouse" because that is the true relationship of the individual and DMDC will reflect dependent status because only dependents or secondary dependents are authorized under a sponsor's record. There is no benefits for the spouse under the sponsor's record. This does not affect the medical and dental categories 1, 2, or 3. Each spouse/sponsor's medical benefit is designated under their own SSN, not their spouse. This can be accomplished at the closest ID Card issuing facility. Failure to register a military spouse in DEERS will result in indebtedness to the government for the entire amount of premiums owed. The indebtedness will date back to NOV 01 or date of marriage which ever is later. Both Servicemembers’ will be billed soon after one re-enlists, retires, separates or dies.
The following links will help simplify FSGLI, FSGLI Self Check, FSGLI Payment of Claim.
