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Life Insurance

Part IV: Requesting or Restoring FSGLI Coverage

General Information

SGLV Form 8286A must be completed in order to restore FSGLI coverage. The "good health" of the spouse is an issue in being eligible to restore FSGLI coverage. The health questions must be answered.

SGLV Form 8286A is also required when a Servicemember has married another Servicemember on or after January 2, 2013 and either Servicemember wants to request coverage on their Servicemember spouse.

An election to request or restore coverage made on SGLV Form 8286A takes effect upon the date the form is received by the Servicemember's unit - if "good health" is not an issue. (If a determination of "good health" is necessary by the Office of Servicemembers' Group Life Insurance (OSGLI), the coverage does not go into effect until an affirmative decision is made.) A premium is due for the month the unit receives the election, once "good health" is established.

Requesting FSGLI Coverage

Servicemembers who married other Servicemembers on or after January 2, 2013, are not automatically covered under FSGLI spouse coverage, however they may request FSGLI spouse coverage by completing SGLV Form 8286A.

All of the health questions pertaining to the spouse must be answered. If any of the questions are answered "Yes," the election must be referred to the Office of Servicemembers' Group Life Insurance (OSGLI) for a decision on coverage. The premiums are not due until OSGLI determines coverage is approved. If requested coverage is approved, the premiums are due back to the month the election was received by the service.

The same rules of coverage level apply to a request for FSGLI spouse coverage as apply to the automatic coverage discussed earlier - the coverage level can be from $100,000 to $10,000 in increments of $10,000, however the spouse's coverage cannot be more than the Servicemember's coverage level (i.e. if a Servicemember has $50,000 of SGLI coverage, then the spouse coverage can be no more than $50,000).

Example: A Servicemember's request for FSGLI spouse coverage is received on February 8, 2002. Assuming all health questions are answered as "No", the premium deduction begins immediately with the February pay. If any health question is answered as "Yes", OSGLI must approve the coverage before premiums begin. If OSGLI approves the coverage, the premiums begin with the February pay.

Restoring FSGLI Coverage

FSGLI coverage can be restored, after it has been ended, due to the following events:

  1. Servicemember's change in duty status begins automatic maximum coverage
  2. Servicemember elects to restore SGLI coverage
  3. Servicemember elects to restore FSGLI coverage, if SGLI coverage is still in effect

1. Servicemember's change in duty status begins automatic maximum coverage

After a Servicemember has declined or reduced automatic SGLI coverage and/or FSGLI spouse coverage, except as provided in note #1 below, a change in duty status** will automatically begin both SGLI and FSGLI coverage at the maximum level. The member is not required to complete SGLV Form 8286a in this situation*.

Note 1: FSGLI spouse coverage is never automatic in any case where a Servicemember is married to another Servicemember and the date of the marriage is after January 1, 2013.

Note 2: The automatic coverage feature of FSGLI applies to any of the above duty status' - no matter if they have declined or reduced coverage previously. No SGLV 8286A needs to be completed to have the coverage. However, a payroll action may need to be done in some of these situations in order to begin premium collection. If no coverage or less than maximum coverage is desired, the member must complete an SGLV 8286A at the time of entry onto the new duty status.

2. Servicemember elects to restore SGLI coverage

After a Servicemember has declined member's SGLI coverage (and therefore, FSGLI coverage), he/she must complete a SGLV Form 8286 in order to restore his/her member's SGLI. However, FSGLI coverage is not automatic in this case. If the Servicemember wishes to have FSGLI coverage restored, he/she must also complete a SGLV Form 8286A

All of the health questions pertaining to the spouse must be answered. If any of the questions are answered "Yes", the election must be referred to the Office of Servicemembers' Group Life Insurance (OSGLI) for a decision on coverage. No premiums are due until OSGLI determines coverage is approved. If coverage is approved, premiums are due back to the month the election was received by the service.

The same rules of coverage level apply to an election to restore coverage as apply to the automatic coverage discussed earlier - the coverage level can be from $100,000 to $10,000 in increments of $10,000, however the spouse's coverage cannot be more than the Servicemember's coverage level (i.e. if a Servicemember has $50,000 of SGLI coverage, then the spouse coverage can be no more than $50,000).

Example: Based on prior elections, the member has no SGLI coverage and, therefore, no FSGLI spouse coverage. The Servicemember's SGLV Form 8286 electing to restore SGLI coverage to $400,000 is received on February 8, 2002. If the Servicemember wishes to also restore FSGLI coverage, he/she must also complete a SGLV Form 8286A (including the health questions concerning the spouse). Assuming all health questions are answered "No," the premium deduction begins immediately with the February pay. If any health question is answered "Yes," OSGLI must approve the coverage before premiums begin. If OSGLI approves the coverage, the new higher premium begins with the February pay.

3. Servicemember elects to restore FSGLI coverage, if SGLI coverage is still in effect

After a Servicemember has declined FSGLI coverage and elects to restore coverage, he/she must complete a SGLV Form 8286A. All the spouse's health questions must be answered.

All of the health questions pertaining to the spouse must be answered. If any of the questions are answered "Yes," the election must be referred to the Office of Servicemembers' Group Life Insurance (OSGLI) for a decision on coverage. The premiums are not due until OSGLI determines coverage is approved. If restored coverage is approved, the premiums are due back to the month the election was received by the service.

The same rules of coverage level apply to an election to restore coverage as apply to the automatic coverage discussed earlier - the coverage level can be from $100,000 to $10,000 in increments of $10,000, however the spouse's coverage cannot be more than the Servicemember's coverage level (i.e. if a Servicemember has $50,000 of SGLI coverage, then the spouse coverage can be no more than $50,000).

Example: Based on a prior election, FSGLI spouse coverage was ended. The Servicemember's election to restore the spouse coverage is received on February 8, 2002. Assuming all health questions are answered as "No", the premium deduction begins immediately with the February pay. If any health question is answered as "Yes", OSGLI must approve the coverage before premiums begin. If OSGLI approves the coverage, the premiums begins with the February pay.