Family Servicemembers’ Group Life Insurance

Double click on the following links to assist you in matters relating to FSGLI, Family SGLI Procedures Guide, NAVADMIN 281/01, NAVADMIN 317/02. Dr. Chu, DoD, released a memo dated 08 FEB 05 mandating all military members to report all dependents, including military to military, by registering in DEERS.

The FSGLI program has been mandated by PUBLIC LAW 107-14 with an effective date of November 1, 2001. Navy, Army and Air Force spouses must be registered in DEERS for the system (DFAS/DEERS/DMDC) to collect the appropriate premiums.

All Spouses were automatically covered from the November 1, 2001 or the date of marriage, whichever is later. Deductions for military married to military were not deducted unless the members were registered in DEERS as a "Spouse without benefits".

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.