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1. 1 MOTIVATION: This training provides a full overview of the importance of managing Soldier Record of Emergency Data-DF Form 93, it’s purpose, recent changes that have taken place, and the importance placed on keeping this information updated and current. In conjunction with the DD Form 93, this block presents all available Soldier Life Insurance programs.
Stress to the students that the Army Casualty Program depends upon the DD Form 93 having accurate, up–to–date information. This extremely important form designates beneficiaries for certain benefits in the event of a Soldier’s death. It is a guide for the disposition of that Soldier’s pay and allowances if captured, missing, or interned. It also indicates the name and address of the persons the Soldier desires to be notified in case of emergency or death. The DD Form 93 for all Active Army Soldiers is stored on eMILPO database and available for retrieval with authorized access, however all Soldiers (Regular Army (RA), USAR, and ARNG) are required to have a completed hard copy DD Form 93 on file. Advise individuals that the data collected on the DD Form 93 is used only for official purposes, consistent with 5 USC 552a (1974 Privacy Act).
MOTIVATION: This training provides a full overview of the importance of managing Soldier Record of Emergency Data-DF Form 93, it’s purpose, recent changes that have taken place, and the importance placed on keeping this information updated and current. In conjunction with the DD Form 93, this block presents all available Soldier Life Insurance programs.
Stress to the students that the Army Casualty Program depends upon the DD Form 93 having accurate, up–to–date information. This extremely important form designates beneficiaries for certain benefits in the event of a Soldier’s death. It is a guide for the disposition of that Soldier’s pay and allowances if captured, missing, or interned. It also indicates the name and address of the persons the Soldier desires to be notified in case of emergency or death. The DD Form 93 for all Active Army Soldiers is stored on eMILPO database and available for retrieval with authorized access, however all Soldiers (Regular Army (RA), USAR, and ARNG) are required to have a completed hard copy DD Form 93 on file. Advise individuals that the data collected on the DD Form 93 is used only for official purposes, consistent with 5 USC 552a (1974 Privacy Act).
2. 2 Terminal Learning Objective:
Standards: Students will meet the standard when they can: NOTE: Explain the TLO to the students.
1. Understand that a Soldier’s Emergency Information Data is crucial to continually update and input into the eMILPO database
2. Recognize the key elements of the DD Form 93, SGLI, SGLV, TSGLI, and Family SGLI programs and documents
3. Identify the importance of Records Management through systems updates on Soldiers’ recordsTerminal Learning Objective:
Standards: Students will meet the standard when they can: NOTE: Explain the TLO to the students.
1. Understand that a Soldier’s Emergency Information Data is crucial to continually update and input into the eMILPO database
2. Recognize the key elements of the DD Form 93, SGLI, SGLV, TSGLI, and Family SGLI programs and documents
3. Identify the importance of Records Management through systems updates on Soldiers’ records
3. 3 REFERENCES There are many references that supports Personnel Information Management (PIM), but be very familiar with FM 1-0 which provides doctrine for Human Resources Support. There are many references that supports Personnel Information Management (PIM), but be very familiar with FM 1-0 which provides doctrine for Human Resources Support.
4. 4 DD Form 93 Record of Emergency Data Intent of this briefing is to provide an overview of the DD Form 93, it’s purpose, recent changes that have taken place, and the importance placed on keeping this information updated and current.
Stress to the students that the Army Casualty Program depends upon the DD Form 93 having accurate, up–to–date information. This extremely important form designates beneficiaries for certain benefits in the event of a Soldier’s death. It is a guide for the disposition of that Soldier’s pay and allowances if captured, missing, or interned. It also indicates the name and address of the persons the Soldier desires to be notified in case of emergency or death. The DD Form 93 for all Active Army Soldiers is stored on eMILPO database and available for retrieval with authorized access, however all Soldiers (Regular Army (RA), USAR, and ARNG) are required to have a completed hard copy DD Form 93 on file. Advise individuals that the data collected on the DD Form 93 is used only for official purposes, consistent with 5 USC 552a (1974 Privacy Act).
Intent of this briefing is to provide an overview of the DD Form 93, it’s purpose, recent changes that have taken place, and the importance placed on keeping this information updated and current.
Stress to the students that the Army Casualty Program depends upon the DD Form 93 having accurate, up–to–date information. This extremely important form designates beneficiaries for certain benefits in the event of a Soldier’s death. It is a guide for the disposition of that Soldier’s pay and allowances if captured, missing, or interned. It also indicates the name and address of the persons the Soldier desires to be notified in case of emergency or death. The DD Form 93 for all Active Army Soldiers is stored on eMILPO database and available for retrieval with authorized access, however all Soldiers (Regular Army (RA), USAR, and ARNG) are required to have a completed hard copy DD Form 93 on file. Advise individuals that the data collected on the DD Form 93 is used only for official purposes, consistent with 5 USC 552a (1974 Privacy Act).
5. 5 Note: Provide students w/ a HO of backside of SGLV & DD93. Discuss specifics with them from the instructions section.
Note: Discuss importance of this form and possible chain of events if casualty occurs and this form is outdated (i.e. ex-spouse still listed as PNOK)
Although this form must be updated at least annually, there should be quarterly reminders sent out to ensure Soldiers who experience “major life events” do not forget to update.
Not just a critical task in wartime; equally important in garrison!Note: Provide students w/ a HO of backside of SGLV & DD93. Discuss specifics with them from the instructions section.
Note: Discuss importance of this form and possible chain of events if casualty occurs and this form is outdated (i.e. ex-spouse still listed as PNOK)
Although this form must be updated at least annually, there should be quarterly reminders sent out to ensure Soldiers who experience “major life events” do not forget to update.
Not just a critical task in wartime; equally important in garrison!
6. 6 Zero Defects is the standard
Once completed and signed, it becomes an official and legal document that designates the beneficiaries of benefits in the event a Soldier is reported captured, missing, or deceased
Provides the name and address of the persons notified in case of an emergency, sickness, or death
Errors in preparation can delay the Army’s casualty notification process, payment of benefits, and cause additional hardships upon the Soldier’s loved ones First, let’s look at the Record of Emergency Data – DD Form 93.
Soldiers uses this legal document to designate the beneficiaries for their survivor benefits and to name those individuals they wish notified in an emergency situation.
For these reasons, this is perhaps the single most important personnel document the HR professional will manage and one where “Zero Defects” is the standard. The impact of inaccuracy has potentially significant consequences for the Soldier, the Soldier’s family, the Army, and on all those in the casualty assistance process.
NOTE: Stress the importance of accurate, up-to-date information. Example: having the correct address when a Soldier’s spouse moves home during the Soldier’s deployment or if a Soldier gets married or divorced while home on environmental leave.
First, let’s look at the Record of Emergency Data – DD Form 93.
Soldiers uses this legal document to designate the beneficiaries for their survivor benefits and to name those individuals they wish notified in an emergency situation.
For these reasons, this is perhaps the single most important personnel document the HR professional will manage and one where “Zero Defects” is the standard. The impact of inaccuracy has potentially significant consequences for the Soldier, the Soldier’s family, the Army, and on all those in the casualty assistance process.
NOTE: Stress the importance of accurate, up-to-date information. Example: having the correct address when a Soldier’s spouse moves home during the Soldier’s deployment or if a Soldier gets married or divorced while home on environmental leave.
7. 7 Who is Required to Have a Valid DD Form 93? Active duty enlistees, inductees, and reenlistees from civilian life entering the Active Army (Military Entrance Processing Stations [MEPS])
All Active, ARNG, and USAR personnel regardless of duty or training status (Responsible unit or organization)
USAR enlistees and reenlistees from civilian life entering the USAR and scheduled for IADT (MEPS, USAR Unit of assignment, or Reception Battalion)
USMA cadets and newly commissioned graduates (USMA)
ROTC cadets attending summer camp and ROTC cadets receiving commission upon graduation (ROTC Instruction Group)
2LT’s commissioned under the early commission program
(Army HQ processing the appointment)
DA Civilians assigned CONUS or OCONUS (Civilian Personnel Activity Center [CPAC]) Now let’s look at who is required to have a DD Form 93:
The short answer is….everyone in the United States Armed Forces including our civilian employees.
The list provided here details many of the categories of personnel and shows in parentheses ( ) the agency responsible for ensuring the accuracy of the data. Table 11-2 of AR 600-8-1 provides the complete listing.
Under personnel delivery redesign or PSDR; the Brigade or BCT S1 section is responsible for Soldier records and ultimately, for the DD 93 of all personnel within the unit.
Now let’s look at who is required to have a DD Form 93:
The short answer is….everyone in the United States Armed Forces including our civilian employees.
The list provided here details many of the categories of personnel and shows in parentheses ( ) the agency responsible for ensuring the accuracy of the data. Table 11-2 of AR 600-8-1 provides the complete listing.
Under personnel delivery redesign or PSDR; the Brigade or BCT S1 section is responsible for Soldier records and ultimately, for the DD 93 of all personnel within the unit.
8. 8 DD Form 93 – Personal Information & Notification The reverse side of the DD Form 93 and Chapter 11 of AR 600-8-1 provide instructions on how to complete the form. Section 1 of the new form deals with Emergency Contact Information and Notification. HR managers must ensure that their section personnel are intimately familiar with this process and what documents are required to validate the information.
See pages 3 and 4 of the new form for detailed instructions on completing the new DD 93.The reverse side of the DD Form 93 and Chapter 11 of AR 600-8-1 provide instructions on how to complete the form. Section 1 of the new form deals with Emergency Contact Information and Notification. HR managers must ensure that their section personnel are intimately familiar with this process and what documents are required to validate the information.
See pages 3 and 4 of the new form for detailed instructions on completing the new DD 93.
9. 9 DD Form 93 – Beneficiary & Disposition Info A recent change to the DD 93 involves the ability of the soldier to designate up to 10 beneficiaries to receive the death gratuity. ALARACT 146/2008 implemented this major change in policy. MILPER MESSAGE 08-167 further mandates that the Army must notify spouses that do not receive the full amount of death gratuity. (Both messages are on the student CD, along with a sample spousal notification letter.)
A recent change to the DD 93 involves the ability of the soldier to designate up to 10 beneficiaries to receive the death gratuity. ALARACT 146/2008 implemented this major change in policy. MILPER MESSAGE 08-167 further mandates that the Army must notify spouses that do not receive the full amount of death gratuity. (Both messages are on the student CD, along with a sample spousal notification letter.)
10. 10 Person Authorized to Direct Disposition (PADD) Soldiers will designate their PADD selection in the remarks portion of the DD Form 93 by annotating the name, relationship, address with zip code, and telephone number
Soldiers can designate any blood relative or the spouse (if married)
When a Soldier designates a blood relative other than the spouse (if married) or a parent (if single), the Soldier will be counseled and a copy of the counseling will be attached to each copy of the DD Form 93
Order of precedence when the person designated by the Soldier declines to be the PADD or the designated person does not survive the Soldier is outlined in section 11-6 of the AR 600-8-1
If the family of a deceased Soldier does not agree with the Soldier’s designated PADD, the Army will not become involved with this family issue and will comply with the Soldier’s wishes
Currently PADD information is entered in eMILPO under the additional emergency information category Here are some more details regarding the PADD.
Future changes to eMILPO and the DD 93 will capture the PADD designee as a unique data item.
Here are some more details regarding the PADD.
Future changes to eMILPO and the DD 93 will capture the PADD designee as a unique data item.
11. 11 Other changes to the DD 93 Non-medical attendant
Geographic Location
ALARACT 171-2007
PURPOSE OF THIS MESSAGE IS TO PROVIDE A POLICY AND PROCEDURAL UPDATE CHANGE WHICH WILL REQUIRE DEPLOYING SOLDIERS PROCESSING THROUGH THE SOLDIER READINESS PROCESSING (SRP) CENTERS TO DESIGNATE A BY NAME NON MEDICAL ATTENDANT AND CHOOSE A MEDICAL TREATMENT FACILITY (MTF) LOCATION OF THEIR CHOICE.
2. ON OCCASION, A SOLDIERS MEDICAL CONDITION WILL PREVENT THEM FROM COMMUNICATING TO MEDICAL AUTHORITIES THEIR PREFERENCES FOR NON-MEDICAL ATTENDANT AND THE GEOGRAPHIC LOCATION TO RECEIVE MEDICAL CARE. EFFECTIVE IMMEDIATELY, SOLDIERS MAY NOMINATE A NON-MEDICAL ATTENDANT AND IDENTIFY THEIR PREFERRED GEOGRAPHIC LOCATION FOR MEDICAL TREATMENT IN BOX 13 (CONTINUATION/REMARKS) OF THE DD FORM 93, RECORD OF EMERGENCY DATA.
3. WHEN THE NEED ARISES FOR NON-MEDICAL CARE AND ASSISTANCE DURING A SOLDIER'S TREATMENT AT A MEDICAL TREATMENT FACILITY, MEDICAL AUTHORITIES WILL AUTHORIZE A NON-MEDICAL ATTENDANT TO ASSIST THE SOLDIER. MEDICAL AUTHORITIES CONSULT WITH A PATIENT TO DETERMINE THE NON-MEDICAL ATTENDANT ASSIGNED. ADDITIONALLY, MEDICAL AUTHORITIES CONSIDER PATIENT REQUESTS WHEN DETERMINING THE MEDICAL TREATMENT FACILITY WHERE CARE WILL BE PROVIDED AND ATTEMPT TO PROVIDE CARE AS CLOSE TO THE ATTENDANTS RESIDENCE AS THE MEDICAL SITUATION PERMITS.
4. THE NON-MEDICAL ATTENDANT INFORMATION AND GEOGRAPHIC LOCATION FOR MEDICAL TREATMENT INFORMATION RECORDED IN BOX 13 OF THE DD FORM 93, WILL CONSIST OF THE FOLLOWING:
A. NON-MEDICAL ATTENDANT: NAME, RELATIONSHIP, ADDRESS AND PHONE NUMBER OF THE PERSON THE SOLDIER NOMINATES TO BE THEIR NON-MEDICAL ATTENDANT.
B. GEOGRAPHIC LOCATION: CITY AND STATE WHERE THE SOLDIER PREFERS TO RECEIVE MEDICAL CARE.ALARACT 171-2007
PURPOSE OF THIS MESSAGE IS TO PROVIDE A POLICY AND PROCEDURAL UPDATE CHANGE WHICH WILL REQUIRE DEPLOYING SOLDIERS PROCESSING THROUGH THE SOLDIER READINESS PROCESSING (SRP) CENTERS TO DESIGNATE A BY NAME NON MEDICAL ATTENDANT AND CHOOSE A MEDICAL TREATMENT FACILITY (MTF) LOCATION OF THEIR CHOICE.
2. ON OCCASION, A SOLDIERS MEDICAL CONDITION WILL PREVENT THEM FROM COMMUNICATING TO MEDICAL AUTHORITIES THEIR PREFERENCES FOR NON-MEDICAL ATTENDANT AND THE GEOGRAPHIC LOCATION TO RECEIVE MEDICAL CARE. EFFECTIVE IMMEDIATELY, SOLDIERS MAY NOMINATE A NON-MEDICAL ATTENDANT AND IDENTIFY THEIR PREFERRED GEOGRAPHIC LOCATION FOR MEDICAL TREATMENT IN BOX 13 (CONTINUATION/REMARKS) OF THE DD FORM 93, RECORD OF EMERGENCY DATA.
3. WHEN THE NEED ARISES FOR NON-MEDICAL CARE AND ASSISTANCE DURING A SOLDIER'S TREATMENT AT A MEDICAL TREATMENT FACILITY, MEDICAL AUTHORITIES WILL AUTHORIZE A NON-MEDICAL ATTENDANT TO ASSIST THE SOLDIER. MEDICAL AUTHORITIES CONSULT WITH A PATIENT TO DETERMINE THE NON-MEDICAL ATTENDANT ASSIGNED. ADDITIONALLY, MEDICAL AUTHORITIES CONSIDER PATIENT REQUESTS WHEN DETERMINING THE MEDICAL TREATMENT FACILITY WHERE CARE WILL BE PROVIDED AND ATTEMPT TO PROVIDE CARE AS CLOSE TO THE ATTENDANTS RESIDENCE AS THE MEDICAL SITUATION PERMITS.
4. THE NON-MEDICAL ATTENDANT INFORMATION AND GEOGRAPHIC LOCATION FOR MEDICAL TREATMENT INFORMATION RECORDED IN BOX 13 OF THE DD FORM 93, WILL CONSIST OF THE FOLLOWING:
A. NON-MEDICAL ATTENDANT: NAME, RELATIONSHIP, ADDRESS AND PHONE NUMBER OF THE PERSON THE SOLDIER NOMINATES TO BE THEIR NON-MEDICAL ATTENDANT.
B. GEOGRAPHIC LOCATION: CITY AND STATE WHERE THE SOLDIER PREFERS TO RECEIVE MEDICAL CARE.
12. 12 Verify / Update / Renew Active Army Soldiers will review the DD Form 93
During out–processing for permanent change of station (PCS) and pre–separation processing
Upon arrival at a new duty station
During any record audit
In conjunction with Soldier Readiness Program (SRP) processing
Annually, in their birth month
RC (USAR and ARNG) Soldiers will review the form
During in–processing to a new troop program unit (TPU)
In conjunction with a nationwide deployment or MOB readiness exercise
Annually, in their birth month
DA civilians assigned to emergency essential (EE) positions, and all civilians deploying in support of military operations
Upon acceptance of assignment to a position designated as EE and annually while in that position
Prior to departure from home station en route to CRC or other central processing facilities
In conjunction with an emergency deployment readiness exercise (EDRE)
During out–processing for PCS to an overseas assignment and annually while in the overseas area
Verify / Update / Renew:
The Army designates numerous and specific times when the DD 93 must be reviewed and updated. Every precaution is taken to insure the data on file is as accurate as possible at all time.
1 Agencies responsible for preparation and initial distribution of DD Form 93 will send the forms to CDR, AHRC–PEZ, when applicable, within 72 hours of preparation.
2 Forms prepared by MEPS and the Army recruiting battalion will retain the record for a minimum of 15 days and then destroy it.
3 Prepare a new DD Form 93 when there is any change on the old form, that is, unit, marriage, divorce, birth of children, a family member deceased, home address changes, and so forth.
4 Send the 2d copy to the Soldier’s BN S-1for filing in Soldier’s readiness file or other POR screening/MOB file.
5. Do not staple, fold, punch holes, or mutilate the completed form (original copy)
When preparing manual forms you must ensure a legible copy with original signatures is forwarded to (refer to table 11-2):
COMMANDER, HRC
ATTN: TAPC-PEC
2461 Eisenhower Ave.
Alexandria, VA 22331-0481
(Ensure a copy is filed with the Soldier's servicing Personnel Center and one copy is given to the Soldier for his/her personnel records.)
Verify / Update / Renew:
The Army designates numerous and specific times when the DD 93 must be reviewed and updated. Every precaution is taken to insure the data on file is as accurate as possible at all time.
1 Agencies responsible for preparation and initial distribution of DD Form 93 will send the forms to CDR, AHRC–PEZ, when applicable, within 72 hours of preparation.
2 Forms prepared by MEPS and the Army recruiting battalion will retain the record for a minimum of 15 days and then destroy it.
3 Prepare a new DD Form 93 when there is any change on the old form, that is, unit, marriage, divorce, birth of children, a family member deceased, home address changes, and so forth.
4 Send the 2d copy to the Soldier’s BN S-1for filing in Soldier’s readiness file or other POR screening/MOB file.
5. Do not staple, fold, punch holes, or mutilate the completed form (original copy)
When preparing manual forms you must ensure a legible copy with original signatures is forwarded to (refer to table 11-2):
COMMANDER, HRC
ATTN: TAPC-PEC
2461 Eisenhower Ave.
Alexandria, VA 22331-0481
(Ensure a copy is filed with the Soldier's servicing Personnel Center and one copy is given to the Soldier for his/her personnel records.)
13. 13 eMILPO, the electronic military personnel office program, must be used to update both the DD 93 and the SGLI (servicemembers’ group life insurance) for all active army Soldiers, to include mobilized reserve component personnel.
When updating the DD 93 and SGLI, eMILPO populates the forms with data pulled from the Total Army Personnel Database. The HR clerk verifies and submits any changes, prints the form for signature, and makes distribution of the form. This distribution includes placing the original in the local personnel file, providing the individual with a copy, and mailing a copy to HRC. A more detailed list of distribution instructions is found in Table 11-2, AR 600-8-1.
eMILPO, the electronic military personnel office program, must be used to update both the DD 93 and the SGLI (servicemembers’ group life insurance) for all active army Soldiers, to include mobilized reserve component personnel.
When updating the DD 93 and SGLI, eMILPO populates the forms with data pulled from the Total Army Personnel Database. The HR clerk verifies and submits any changes, prints the form for signature, and makes distribution of the form. This distribution includes placing the original in the local personnel file, providing the individual with a copy, and mailing a copy to HRC. A more detailed list of distribution instructions is found in Table 11-2, AR 600-8-1.
14. 14 Reserve Component Emergency Data Mobilization Planning Data Viewer (MPDV)
Seamless interface across the RC personnel information systems required to support mobilization planning – utilized for eMILPO / RC Computer Systems (RCAS and RLAS) interface for Soldiers’ Emergency Data information
MPDV collects data to allow unit level users to produce the Soldier Readiness Checklist in support of Soldier Readiness Processing
MPDV Soldier search allows the user to quickly search for and find a Soldier in any unit in a JFHQ or RRC and manage readiness Reserve Component Emergency Data:
eMILPO is not utilized for reserve component personnel until mobilization. However, the Mobilization Planning Data Viewer or MPDV provides a link from Reserve units to the Active Component whereby emergency data (DD Form 93) and SGLI information is transferred into eMILPO at the Mobilization Station for RC personnel.
The RCAS MPDV is the official source of Reserve Component mobilization data imported into DARTS (from which eMILPO extracts data) per instructions from RCAS Program Office. The ARNG SIDPERS 4 file set format has been replaced by the RCAS MPDV. The old format is no longer used.
Reserve Component Emergency Data:
eMILPO is not utilized for reserve component personnel until mobilization. However, the Mobilization Planning Data Viewer or MPDV provides a link from Reserve units to the Active Component whereby emergency data (DD Form 93) and SGLI information is transferred into eMILPO at the Mobilization Station for RC personnel.
The RCAS MPDV is the official source of Reserve Component mobilization data imported into DARTS (from which eMILPO extracts data) per instructions from RCAS Program Office. The ARNG SIDPERS 4 file set format has been replaced by the RCAS MPDV. The old format is no longer used.
15. 15 Life Insurance Overview The Army provides life insurance options for its Soldiers, veterans, and family members.
This lesson captures the key components of these programs and Chapter 12, AR 600-8-1 and the Veteran’s Affairs website provide a more comprehensive overview.The Army provides life insurance options for its Soldiers, veterans, and family members.
This lesson captures the key components of these programs and Chapter 12, AR 600-8-1 and the Veteran’s Affairs website provide a more comprehensive overview.
16. 16 Servicemembers' Group Life Insurance (SGLI)
- low-cost group life insurance option provided to Soldiers.
Veterans' Group Life Insurance (VGLI)
- post-separation insurance which allows Soldiers to convert their SGLI coverage to renewable term insurance
Family Servicemembers' Group Life Insurance (FSGLI)
- a program extended to the spouses and dependent children of Soldiers insured under the SGLI program
- provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the amount of SGLI the insured member has in force, and $10,000 for dependent children
Traumatic Injury Protection Under Servicemembers' Group Life Insurance (TSGLI)
- TSGLI is a traumatic injury protection rider under SGLI that provides for payment if a Soldier sustains a traumatic injury that results in certain severe losses (e.g. limbs, vision, hearing) Terminology (1 of 3) Before we discuss the various programs, let’s become familiar with the terminology.Before we discuss the various programs, let’s become familiar with the terminology.
17. 17 Terminology (2 of 3) Principal Beneficiary (ies)
- The person(s) the Soldier wants to receive benefits in the event of his/her death, there can be more than one person listed
Contingent Beneficiary (ies)
- The person(s) to receive benefits in the event the Soldier’s principal beneficiary dies before the Soldier
Unusual Beneficiary
- Designation of someone or an organization, other than a family member or parent, as a beneficiary.
Any Soldier choosing to name an unusual beneficiary must be counseled on the ramifications of his decision
Counselor will state on the bottom of the form, “On (date) this Soldiers was counseled regarding this unusual beneficiary designation.” The person who counsels the Soldier will sign and date the form. Terminology (2 of 3):Terminology (2 of 3):
18. 18 Loco Parentis:
A person who takes the place/role/responsibility of a birth parent
- Father or Mother through adoption
- Person who stood in relationship of a parent to the deceased for a period of at least 5 years prior to the Soldier reaching 18 years of age.
Terminology (3 of 3)
19. 19 Servicemembers’ Group Life Insurance (SGLI) Now let’s look at each insurance program.
SGLI is a group life insurance policy purchased by the government from a commercial life insurance company. This policy is available to Soldiers at a very low rate.
All Soldiers are initially insured for the maximum coverage of $400,000….unless they make a valid election to reduce or decline coverage. The coverage may be reduced in increments of $50,000.
Now let’s look at each insurance program.
SGLI is a group life insurance policy purchased by the government from a commercial life insurance company. This policy is available to Soldiers at a very low rate.
All Soldiers are initially insured for the maximum coverage of $400,000….unless they make a valid election to reduce or decline coverage. The coverage may be reduced in increments of $50,000.
20. 20 Eligibility Commissioned, warrant, and enlisted Active Duty Soldiers
Unit Soldiers of the ARNG and USAR and unit Soldiers in pay status
Members of the Ready Reserve who are assigned to a unit or position in which they perform active duty or ADT
Cadets of the United States Military Academy
Cadet members of ROTC while taking part in field training
Members of the Individual Ready Reserve (IRR) who volunteer for assignment to a MOB category Soldiers Eligible to be Insured:
Eligibility for SGLI coverage is dependent on the Soldier’s status. Here are some examples. You will note that the central theme of the eligibility revolves around periods of active service. The complete list of eligibility requirements is found in Chapter 12, AR 600-8-1.
Soldiers Eligible to be Insured:
Eligibility for SGLI coverage is dependent on the Soldier’s status. Here are some examples. You will note that the central theme of the eligibility revolves around periods of active service. The complete list of eligibility requirements is found in Chapter 12, AR 600-8-1.
21. 21 SGLV 8286 SGLI Election and Certificate The SGLV 8286, like the DD Form 93, is a legal document completed via eMILPO. On it, the Soldier designates who will receive the payments from his life insurance policy. This form also falls in the “Zero Defect” category as it carries a significant level of importance for Soldiers and their family members.
Mistakes, inaccuracies, or omissions can lead to financial loss and create hardships for the surviving family members and loved ones.
HR personnel have a key role in insuring that Soldiers make informed decisions regarding their beneficiaries and allocations and that the form is kept current.
Note: Stress to students that a named beneficiary will NOT be changed automatically by any event occurring after Soldier completes the form (e.g. marriage, divorce, etc.). A beneficiary cannot be changed by, and is not affected by, any other documents such as a divorce decree or will.
The SGLV 8286, like the DD Form 93, is a legal document completed via eMILPO. On it, the Soldier designates who will receive the payments from his life insurance policy. This form also falls in the “Zero Defect” category as it carries a significant level of importance for Soldiers and their family members.
Mistakes, inaccuracies, or omissions can lead to financial loss and create hardships for the surviving family members and loved ones.
HR personnel have a key role in insuring that Soldiers make informed decisions regarding their beneficiaries and allocations and that the form is kept current.
Note: Stress to students that a named beneficiary will NOT be changed automatically by any event occurring after Soldier completes the form (e.g. marriage, divorce, etc.). A beneficiary cannot be changed by, and is not affected by, any other documents such as a divorce decree or will.
22. 22 Soldier Responsibilities Soldiers will ensure the amount of insurance coverage and beneficiary designations on their SGLV Form 8286 are current
Soldiers will promptly inform the unit personnel officer and fill out an updated SGLV Form 8286 for the following reasons:
(1) Election to increase or decrease coverage
(2) Election not to have coverage
(3) Change or addition to beneficiaries (e.g. marriage,
divorce, birth)
(4) Legal name change While individual Soldiers are ultimately responsible for determining the amount and beneficiaries of their insurance coverage, organizations assist them by scheduling periodic reviews of the form. One sound management technique is to review the SGLV 8286 in conjunction with the DD Form 93.
Note: During a record audit, if there is no change in any of the aforementioned cases, then the Soldier must initial and date on the bottom right corner of the form, in ink.
While individual Soldiers are ultimately responsible for determining the amount and beneficiaries of their insurance coverage, organizations assist them by scheduling periodic reviews of the form. One sound management technique is to review the SGLV 8286 in conjunction with the DD Form 93.
Note: During a record audit, if there is no change in any of the aforementioned cases, then the Soldier must initial and date on the bottom right corner of the form, in ink.
23. 23 Veterans’ Group Life Insurance (VGLI) Veterans’ Group Life Insurance or VGLI is designed to provide coverage for Soldiers as they leave service.
It is a 5–year renewable term policy that the veteran can either convert to an individual policy, through participating companies licensed in the veteran’s state, or that can be renewed for additional 5–year terms based on the veteran’s age group.
Soldiers on active duty who are entitled to full–time SGLI coverage, may convert to VGLI within 120 days of separating from active duty without evidence of insurability. However, if the veteran waits beyond the 120 window, he or she must include evidence of insurability, that is, a current physical examination to receive the coverage.
Veterans’ Group Life Insurance or VGLI is designed to provide coverage for Soldiers as they leave service.
It is a 5–year renewable term policy that the veteran can either convert to an individual policy, through participating companies licensed in the veteran’s state, or that can be renewed for additional 5–year terms based on the veteran’s age group.
Soldiers on active duty who are entitled to full–time SGLI coverage, may convert to VGLI within 120 days of separating from active duty without evidence of insurability. However, if the veteran waits beyond the 120 window, he or she must include evidence of insurability, that is, a current physical examination to receive the coverage.
24. 24 VGLI Overview What Does VGLI Provide?
Like SGLI, VGLI provides a maximum of $400,000 of group term life insurance for veterans. It provides for life insurance only and does not provide for disability or other supplementary benefits. VGLI has no cash, loan, paid-up, or extended insurance values and does not pay dividends
How Much Coverage is Available?
VGLI coverage is issued in multiples of $10,000 up to the maximum of $400,000. However, a servicemember's VGLI coverage amount cannot exceed the amount of SGLI they had in force at the time of separation from service
How Long Can You Keep Your VGLI Coverage?
You can keep your VGLI coverage for your lifetime, as long as you continue paying premiums.
Here are a additional facts about VGLI.
Here are a additional facts about VGLI.
25. 25 VGLI Eligibility An SGLI insured Soldier who is released from active duty or active duty for training under a call or order to duty that does not specify a period of less than 31 days
A member of the Ready Reserves insured under SGLI who is being separated or released from drilling assignment
A member assigned to the Individual Ready Reserve (IRR) or to the Inactive National Guard (ING) of a branch of service
A member of the Public Health Service (PHS) or Inactive Reserve Corps (IRC)
A member who had part-time SGLI and who, while performing duty (or traveling directly to or from duty), suffered an injury or disability which renders him/her uninsurable at standard premium rates
These are the eligibility criteria for VGLI. The Veterans Affairs website has detailed information regarding eligibility and application for VGLI.These are the eligibility criteria for VGLI. The Veterans Affairs website has detailed information regarding eligibility and application for VGLI.
26. 26 Family Servicemember's Group Life Insurance (FSGLI) Family Servicemembers' Group Life Insurance or FSGLI is available for the immediate family members of Soldiers who are eligible for SGLI coverage. The Soldier can purchase insurance coverage for their spouse for up to $100,000 and their dependent children for $10,000. Additionally, the insurance can be converted to a private life insurance policy if necessary.
Family Servicemembers' Group Life Insurance or FSGLI is available for the immediate family members of Soldiers who are eligible for SGLI coverage. The Soldier can purchase insurance coverage for their spouse for up to $100,000 and their dependent children for $10,000. Additionally, the insurance can be converted to a private life insurance policy if necessary.
27. 27 FSGLI Eligibility Available only for the Soldier’s spouse and children – no other family members regardless of circumstances
A retired spouse can be insured under both FSGLI spousal coverage and his or her own VGLI coverage.
A spouse who is also in the military can be insured under both FSGLI and their own SGLI
Regardless of health, the spouse is eligible for coverage at the same premium rate; but, if coverage is initially declined and later added, proof of the spouse’s good health is required
There is no family or spousal coverage available under the VGLI program
Dependent unmarried children (natural born, legally adopted, and stepchildren) are covered for free, regardless of their health. Children are typically insured until age 18, but can be insured between the ages of 18 and 23 if pursuing a course of instruction at an approved educational institution. These are the eligibility criteria for FSGLI Eligibility:
Additionally, a Soldier is permitted to receive up to 50-percent of the FSGLI coverage for a spouse diagnosed as terminally ill. In order to qualify for the Accelerated Benefits Option, the spouse must have a physician validated life expectancy of 9 months or less to live. Only the Soldier can apply for and receive this accelerated benefit.
If a Soldier declines SGLI coverage, they will also automatically no longer have Family SGLI coverage.These are the eligibility criteria for FSGLI Eligibility:
Additionally, a Soldier is permitted to receive up to 50-percent of the FSGLI coverage for a spouse diagnosed as terminally ill. In order to qualify for the Accelerated Benefits Option, the spouse must have a physician validated life expectancy of 9 months or less to live. Only the Soldier can apply for and receive this accelerated benefit.
If a Soldier declines SGLI coverage, they will also automatically no longer have Family SGLI coverage.
28. 28 Traumatic Injury Protection Under Servicemember's Group Life Insurance (TSGLI) A recent addition to the basic Servicemembers’ Group Life Insurance program is Traumatic Injury Protection or TSGLI.
A recent addition to the basic Servicemembers’ Group Life Insurance program is Traumatic Injury Protection or TSGLI.
29. 29 TSGLI Overview What Is TSGLI?
Traumatic Servicemembers’ Group Life Insurance (TSGLI) is a traumatic injury protection rider under SGLI that provides for payment to any Soldier covered by SGLI who sustains a injury that results in certain severe losses (e.g. limbs, vision, hearing)
How Much Coverage Is Available?
TSGLI coverage will pay a benefit of between $25,000 and $100,000 depending on the type of injury
Can The Service Member Decline TSGLI?
TSGLI coverage is automatic for those insured under basic SGLI and cannot be declined. The only way to decline TSGLI is to decline basic SGLI coverage
Are Spouses And Children Covered By TSGLI?
No, TSGLI is not available to spouses and children under FSGLI.
Are Members Covered For TSGLI When They’re Insured Under VGLI?
No. TSGLI coverage is not available to VGLI policyholders TSGLI was designed to provide financial assistance to Soldiers during the often prolonged recovery period from a serious traumatic injury. All Soldiers covered by the SGLI program are automatically covered by TSGLI and can not decline it. The premiums for SGLI increase by $1 for TSGLI coverage.
A complete list of what injuries qualify for TSGLI payments is located on the Veteran’s Affairs website.
TSGLI was designed to provide financial assistance to Soldiers during the often prolonged recovery period from a serious traumatic injury. All Soldiers covered by the SGLI program are automatically covered by TSGLI and can not decline it. The premiums for SGLI increase by $1 for TSGLI coverage.
A complete list of what injuries qualify for TSGLI payments is located on the Veteran’s Affairs website.
30. 30 TSGLI Costs TSGLI Costs:TSGLI Costs:
31. 31 Beneficiary Information Soldiers must designate all beneficiary (ies) by name. They are no longer allowed to use the term “By law”
Soldiers may designate both a principal (first) and a contingent (second) beneficiary and may designate as beneficiary any person, firm, corporation, or legal entity, including a charitable organization or a trust
When a Soldier designates two (2) or more beneficiaries, the Soldier will specify on the SGLV Form 8286 (in fractions, percentages, or monetary amounts) the share to be paid to each
Soldiers may not designate beneficiaries via a Will or Power of Attorney - the designated SGLI beneficiary takes precedence and disbursements are made only to the individual(s) annotated on the SGLV Form 8286
SGLI cannot be directly paid to minors designated as beneficiary until turning 18 years of age Beneficiary Information:
Soldiers need to consider their beneficiary options carefully. For example, If the Soldier decides to make their minor child the beneficiary, HR professionals must ensure they knows the possible effects of this decision, such as delay in distribution of proceeds until a guardian is appointed. The Soldier may want to designate a custodian for minor beneficiaries. A trustee for minor or adult beneficiaries may be preferable to designating some persons directly by name for SGLI purposes. Beneficiary Information:
Soldiers need to consider their beneficiary options carefully. For example, If the Soldier decides to make their minor child the beneficiary, HR professionals must ensure they knows the possible effects of this decision, such as delay in distribution of proceeds until a guardian is appointed. The Soldier may want to designate a custodian for minor beneficiaries. A trustee for minor or adult beneficiaries may be preferable to designating some persons directly by name for SGLI purposes.
32. 32 Spouse Information Letter Dear Mr. or Mrs. ____________
As the current lawful spouse of, (Grade, full name of member), the law provides for spouse notification whenever a Soldier either selects a beneficiary for their Servicemembers’ Group Life Insurance (SGLI) other than their current lawful spouse or declines or reduces the maximum SGLI coverage for the spouse. This letter is to inform you that on (date) your spouse elected:
___ to decline SGLI coverage
___ to reduce the maximum SGLI coverage to a lesser amount
___ a beneficiary other than current lawful spouse or child
Your spouse is entitled to make the above election. While we are not authorized to identify the names of any other beneficiaries (if elected), we are required to notify you of your spouse’s decision.
(signed)
(Appropriate Personnel Official) Spouse Information Letter:
When a Solider selects a beneficiary other than his current lawful spouse or child or if the Soldier elects reduced coverage or declines coverage…..the Soldier’s organization is required to notify his spouse or child of the decision. This notification is usually conducted via certified mail.Spouse Information Letter:
When a Solider selects a beneficiary other than his current lawful spouse or child or if the Soldier elects reduced coverage or declines coverage…..the Soldier’s organization is required to notify his spouse or child of the decision. This notification is usually conducted via certified mail.
33. 33 Disbursement Process If No Beneficiary(ies) If no beneficiary is identified, available, or correctly designated the law determines the payment of SGLI proceeds in the following order
- Widow or widower
- Children in equal shares
- Parents in equal shares or all to surviving parent
- A duly appointed executor or administrator of the estate
- Other next of kin Should a Soldier fail to name a beneficiary or if their designation fails, for example, if the designated beneficiary dies before the Soldier dies, the law determines how the payment is distributed.
Should a Soldier fail to name a beneficiary or if their designation fails, for example, if the designated beneficiary dies before the Soldier dies, the law determines how the payment is distributed.
34. 34 Payment/Disbursement Options Lump Sum
– All SGLI proceeds paid in one payment to the beneficiary(ies)
36 Payments
– SGLI proceeds paid out over 36 months in equal installments to the beneficiary(ies)
- Beneficiary’s do not have the option of lump payments, once the installment option has been selected by the Soldier
Shares
– When there is more than one beneficiary, the Soldier must divide the SGLI proceeds into shares
- These shares can be in any amount the Soldier wishes but must be broken down by fractions (1/4, 1/2, etc) or by percentage (25%, 50%, etc) and must be equal to the total coverage Soldiers may select the method of payment to the beneficiaries.Soldiers may select the method of payment to the beneficiaries.
35. 35
QUESTIONS
36. 36 Terminal Learning Objective:
Standards: Students will meet the standard when they can: NOTE: Restate the TLO to the students.
1. Understand that a Soldier’s Emergency Information Data is crucial to continually update and input into the eMILPO database
2. Recognize the key elements of the DD Form 93, SGLI, SGLV, TSGLI, and Family SGLI programs and documents
3. Identify the importance of Records Management through systems updates on Soldiers’ recordsTerminal Learning Objective:
Standards: Students will meet the standard when they can: NOTE: Restate the TLO to the students.
1. Understand that a Soldier’s Emergency Information Data is crucial to continually update and input into the eMILPO database
2. Recognize the key elements of the DD Form 93, SGLI, SGLV, TSGLI, and Family SGLI programs and documents
3. Identify the importance of Records Management through systems updates on Soldiers’ records
