However, if your ex-wife's second (or subsequent) marriage ends by annulment, divorce, or the death of her new spouse, then her eligibility to receive pension payments may resume. My husband recently passed, after reporting to dfas etc, they have sent a letter saying that my Husband made an sbp election but payments had not been being deducted from his reitrement pay as elected at time of retirement. Unfortunately, one of the reasons SBP is so affordable is that there is no provision for refund of premiums if the beneficiary passes before the retiree. (Heck, Im related to one ). I plan on doing it the first week. 3. Income from the SBP annuity is fully taxable. With my retired salary (and a follow-on job for a consultant), I think the Term Life plan is a tad bit better. The portion of your late spouse's Social Security that you can collect rises from 71.5 percent if you file at 60 (or during your 50s if you are disabled) to 100 percent at your full retirement age. Once you reach age 70, you still have to complete 360 payments. ***. <> What if neither knew they had to change the sbp annuity to former spouse? We all carry insurance on our homes, but we hope to not make a claim. My wife is 10 years younger than I am. SBP is for when the survivor lives a lot longer than you planned.. (Theres a whole book in that statement, so be sure that you thoroughly understand the taxability of the proceeds of any insurance policy you purchase.) To the best of my knowledge, there is not a separate form to request the refund. When my children reach age 22, will my monthly premiums be reduced (since they will no longer be covered)? When he died we were paying $700.00 a month in premiums and only $86.00 when he retired. All my kids are over 18. Its somewhat irrelevant to your specific question, but it may inform the big picture. I hope it works out for you. She went to the site and reapplied. What must I do do recheck this? Ill have to check and see if anyone knows how taxes are withheld on the refund if it is withheld like a bonus or as directed on the W-4. If the survivor is eligible for DIC, the amount of their SBP will be reduced by the amount of DIC that they receive. There are several reasons why you might want to continue having SBP coverage even if your husband is 100% disabled, including the Special Survivors Indemnity Allowance (SSIA), if the SBP benefit is larger than the DIC benefit, etc. pastorpete. Heres the complete list of posts. Im unaware of any other situation in which premiums are refunded. <> Your email address will not be published. 1. Are there any Benefits for adult children since the spouse died before him? Sorry, Im a little confused after reading this article. SBP provides monthly income to the beneficiary after the military retirement pay ends due to the death of the service member. For many people, it lasts between 6 and 12 months, but not everybody experiences it, and sometimes it goes on for longer. Why is he not paying the SBP premiums as required? Kate Hopefully you can answer my question. She gets 1689 each month. I can not emphasize enough how vitally important it is to thoroughly understand the Survivor Benefit Plan if a member of your family will remain in the military until retirement. The child category includes not only natural children, adopted children, and step-children, but also may include grandchildren and foster children who meet certain eligibility criteria. the back amount debt would be paid by the SBP premiums + interest. Heres the complete list of posts. You should present all the facts. Good luck with trying to find a site that furnishes all the information. This topic is dear to my heart, and I love to help people understand it better. What would happen if they do not pay the 360 months? If you do not hear from me in a few days, please remind me! Hi Kate! Lisa, former spouses can be covered under SBP, but there is a process that needs to be followed. You might want to double check with an experienced tax advisor to ensure that was correct. Kate, Youll have to search hard for this information. He was in the service for 27 years and retired in 1977. Yes, thats the reasoning behind the offer. SBP is a program for retired military, not disabled veterans. Premiums for child coverage are based upon the age of the retiree, the age of the youngest child at the time of retirement, and the age of the spouse/former spouse, if combination coverage is selected. Who cuts it? It is wonderful. 5. If so, where do we find the appropriate form? Thanks so much. My $1.5 million term policy costs me $140 per month. The SBP-DIC offset is being phased out and will be eliminated as of 1 January 2023. My children will no longer be eligible to receive SBP if I die. If you choose to withdraw from SBP based upon your disability, be sure to remember that you need to apply to reinstate your coverage within one year if your disability rating is reduced. They will receive full benefits if you die before reaching 70 years and 360 payments and will not owe any additional for that coverage. Thank you, Shellie. I was told that my Father had not informed DFAS of my Mothers passing in 2006 as he was suppose to do. What do you think? Please dont assume that you know the answer for every family. For that same $130/mon, I can purchase a life insurance policy between $750,000 and $1,000,000. Parents married 18 years 1958-1976, Divorced 1976. https://paycheck-chronicles.military.com/2017/02/01/mailbag-veterans-services-officers/, http://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/, https://www.va.gov/opa/persona/dependent_survivor.asp, https://www.dfas.mil/retiredmilitary/survivors/Retiree-death/sbp.html, https://www.dfas.mil/retiredmilitary/survivors/ApplySBP, http://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Stopping-SBP/, http://www.moaa.org/uploadedFiles/MOAA_Main/Main_Menu/Publications/Books_and_Guides_-_MOAA_Info_Exchange%C2%AE/Former_Spouse_Benefits/formerspouse_final.pdf, https://www.katehorrell.com/understanding-sbp-dic-offset/, https://www.dfas.mil/retiredmilitary/provide/sbp/payment.html, https://www.dfas.mil/retiredmilitary/provide/sbp/change.html, https://www.dfas.mil/retiredmilitary/about/aboutus/customer-service.html, https://www.dfas.mil/retiredmilitary/survivors/Understanding-SBP-DIC-SSIA, https://www.retirees.af.mil/Library/Fact-Sheets/Display/Article/440093/spouse-only-sbp-coverage/, https://www.dfas.mil/dam/jcr:aa27dddc-d902-4cde-bbc5-ce06ba54b62e/SBP%20Withdrawal%20Due%20to%20VA%20Disability%20Packet.pdf, There are no medical or other eligibility requirements for SBP, and it can not be canceled due to health or age, Lifetime* income: You can not outlive SBP coverage (based on eligibility), Yearly inflation adjustments ensure that beneficiaries will maintain similar buying power each year, Very low cost versus comparable commercial annuities, Beneficiary options mean you can provide income to the people you desire, Payments made from pre-tax income reduce your current federal income tax liability, Premiums made directly out of retired pay means that coverage cant lapse due to administrative or clerical errors, $2000 base amount covered, survivor payments would be $1100 per month, $1000 in base amount covered, survivor payments would be $550 per month, $500 in base amount covered, survivor payments would be $275 per month. I was deemed 100% P&T for one injury, but have many others die to combat. I have no proof if he did this or not. I have never understood this perspective perhaps you can help me? You can use the formula from the Office of the Actuary to determine real costs. My grandpa was in the air force and has recently retired. Tax has already been paid on the $8000 so I will have to make an adjustment to this years taxes. Lourdes, I am unaware of any way to circumvent the requirements that SBP election be made within one year of marriage. For example. Hi Phil! The initial annuity paid to a surviving spouse is equal to 55 percent of the retired pay to which the member would have been entitled based upon years of active service if retired on the date of death . He retired from USMC in 2014 and he did not elect me for SBP. How is this possible? Yes. A surviving spouse can collect 100 percent of the late spouse's benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age. Great question. During retirement - you would now receive $950 each month. Do you have any insight on either of these issues? If Your Former Spouse Dies and You Are Retired Under CSRS or FERS Call OPM to report the death of your former spouse. Hi! So, am I understanding that if we apply for SBP benefits it will automatically be deducted out of his monthly disability payment? I guess my question ultimately is have you ever had a comment from anyone else that dealt with the Barring Act 31, and if they had success in receiving back pay that was out of the statue of limitations time period? Your goal is to fill your bucket with a variety of sources of income until it is full. My husband is paying for 7yrs SBP, he is 61 yrs old, I was worried if he cant paid 360 months. I adopted their son. The idea behind this is that the surviving spouse would be eligible for Dependency and Indemnity Compensation (DIC). Ms. Horrell, though I appreciate your consideration in my matter, I frankly would have thought it better if you had stopped yourself after the first sentence and left your personal comments out of the issue. In addition to the regular 25th to 36th month option, you also may withdraw from SBP once you hit the 5 year/10 year milestone discussed above. * Widow brain is the fogginess that can occur after losing a spouse. Does the requirement for SBP to be paid in full 360 payments and reaching age 70 apply to all ages?. It takes less than 3 years of SBP benefits to recoup every cent that is paid into SBP even if the service member paid in the entire 30 years before reaching-paid up status, and that assumes that there is no cost of living adjustment in that entire time. I am single with no dependent children. I gave too many briefings to widows of recent retirees who didnt elect SBP or VGLI and a $400,000 insurance policy usually is not enough to pay off a mortgage, other bills and future college. A new law will prevent military retirees from losing Survivor Benefit Plan benefits when their ex-spouse dies before they do, by allowing the benefit to be transferred to a current or future spouse. Does your spouse work, and has she or he managed to put together a career that could support your family without your income? While it may seem on the surface that SBP serves you no purpose, there may be some reasons why thats not 100% true. In my opinion, keeping SBP makes sense for a lot of people. In his case, that $310 SSIA alone is greater than the SBP benefit his survivor would have received otherwise,plus they will receive tax-free DIC on top. Wait, so are you saying she paid in for 25 years and isnt going to see any of that? The former spouse left the U.S. shortly after the divorce and I have had no contact with nor do I even know where she is located. He is fighting the SBP situation because he paid the full amount and now has been fighting for 6 yrs. Assistant General Counsel for Garnishment Operations. A veterans service organization will often help with this and services are free. I did not elect the SPB because I thought the program was borderline criminal. Spouse B's estate is only allowed the standard $1 million exemption. The request must be received within one year of the law's. Do not want anything for X or for her to recieved anything from me. Like most insurance policies, the hope is that you never get to collect on the policy. The Survivor Benefit Plan (SBP) is a program through which the Department of Defense provides monthly, cost-of-living-adjusted income to eligible survivors of Soldiers who die on Active Duty in the line of duty, including Reserve Soldiers and National Guard Soldiers who die on Federal Active . His father (KIA) was in the Army. In April, a DFAS official told Military Times that the agency had drafted potential legislation and provided a copy to defense personnel officials. Because of their varying needs, some families may want or need life insurance, some families may want or need an annuity, some families may want or need both. SPB was stopped once she remarried and my husband obtained her marriage license. For more information about the Survivor Benefit Plan - or other veterans benefits - contact the Navy Mutual education team at education@navymutual.org or by calling 888-298-4442. Since she didnt file the paperwork in time I was told by DFAS that I would receive the annuity. There are 100 reasons why that plan could be derailed, and theyre all reasons that would make you want SBP more. Contact your finance or admin folks to get exact costs. At the bottom of his statement it says spouse cost $274.00. Former Spouse 5. This certainly is a unique situation. I wrote an entire post about the SBP-DIC offset here: Understanding The SBP-DIC Offset. This post may contain affiliate links, from which I may earn revenue to support this free site. One month later I put my mom in for dic and in January 2018 it was approved. Everything About The Survivor Benefit Plan, Life Insurance or SBP? The retirement officer never explained that. Thanks for all of the information you have provided. https://www.katehorrell.com/understanding-sbp-dic-offset/ Youll have to apply these considerations to your specific situation to figure out which option makes the most sense for you. He was married to another lady when he originally elected to take SBP, although he says he felt forced to do it by his officers at that time without proper explanation of what it was all about. He was a 30 year Navy Vet serving from 1948 to 1978. I only promote companies that I love and trust. Sorting out what happens with the SBP as you move through your divorce process is absolutely essential to ensuring that you have a clear idea of what you're entitled to if you are the non-servicemember, or what you are obligated to do for your ex if you are the spouse . SBP never mentioned in divorce decree at all, Father died 6/31/2000. He was 90 years old and his wife, my mother died a few years before he did. Was DFAS notified of your divorce when it occurred? SBP premiums are always calculated as a percentage of the base amount of coverage. Or would SHE be liable to pay back the money? 6. I am his second wife, ( 10 years younger) and he is not able to obtain any type of decent insurance coverage due to his PTSD, and many meds for anxiety and depression. She can apply to find out if it happened. The only conversation I remember is someone sold him a VGLI which at the time was less than 6.5% SBP premium he would have paid. I would assume over 24 years since my husbands death, I have received more SBP payments than SBP premiums we paid from 1982-1994 (retirement to death). I am sure the person who sold him on the VGLI didnt explain how the premium would go up dramatically as he got older. 1. SBP gives automatic coverage, at no cost to service members, to anyone . I never knew that some of the benefits military veterans get only activate when they retire. If anyone has experience with this situation, please share as I am trying to determine the best option. It is very helpful. I understand that he will not be eligible for benefits after he is 22. Written documentation regarding the death of FS; A copy of the FSs death certificate; and. We were never told that he had to pay 360 payments. Heres the official instruction page: http://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/. I will throw in a small note here about investments. Regardless of whether they took SBP or not, the families I know who are happy with their SBP decision are the ones who both understood the program thoroughly, and made the decision together about how it did or did not meet their familys needs. Can you help me understand how not making a claim against survivor benefits feels like youve lost money, but a comparable situation (like auto insurance) doesnt feel that way? So Im doing more research that I should have done prior to paying in. For spousal coverage, the monthly premium is the lesser of: For example, $3000 of base amount covered would require a $195 monthly premium for spouse or former spouse coverage. Received a letter from DFAS this last week informing me that from the period 09/01/2006 to 12/29/2011 back pay would not be eligible. 1. As a smart friend says, Life insurance is for when the insured doesnt live as long as youd hope. Thanks for clarifying. I am so confused. My mother insists that my sister could receive the survivor benefits upon my fathers passing. Be aware that there are many regulations about SBP, including former spouse coverage, disabled child coverage, and insurable interest coverage. If he dies and I die, do my children or new spouse inherit this money automatically or do I have to specify who gets this money on will of does the money stop automatically because no one is entitled to it. Coverage continues until they are 18, or 22 if a full-time student. SBP premiums to be considered paid up after 30 years or 360 payments, and having reached age 70. Id definitely keep an eye on it, though! "When I got the news, I was quite delighted. I have no idea why. Thank you for addressing my two questions and thank you in advance for your response. Kate does not represent the Department of Defense, the Department of Veterans Affairs, or any government agency. Think of the Survivor Benefit Plan (SBP) as an insurance policy, focused on protecting a survivor's income flow from the military retirement if the retiree dies first. The value in SBP is the inflation adjusted, lifetime guaranteed income. Any discussion of SBP or insurance should be thinking strongly about the worst-case scenario, and this worst-case scenario cant assume that youll have a long and successful second career. He never told my mom he did any of this. All aspects of spouse SBP apply to same sex marriages. A few percentage points per year may not seem like much, but they add up quickly. I assume my payments into the SBP will stop. I am the daughter of a retired Marine. Kate, Just received word on this issue. Will it stop automatically? am going to give the synopsis of coverage here, because there are so many rules for each individual classification. Is that a correct assumption? Is that correct? Tony, please accept my condolences on the loss of your parents. I cannot find anything stating that is not eligible to be a beneficiary. My father remarried and was married for 35 years until his spouse passed away in July 2020. The law requiring spouses to agree to waive SBP was enacted in 1986, so you should have been asked to sign for anything less than full SBP. My dad retired after 34 years as a Chief Master and I thought if I could get her the DIC it would help her but so confused. An incapacitated or disabled child is defined as a child who is incapable of self-support because of a physical or mental disability that existed before the 18th birthday or which was incurred before age 22 while the child was pursuing a full-time course of study. Purchase term life instead. I am a retired Marine, approaching 70 yrs in 2019. 1-Spouse: The surviving spouse is the beneficiary of RCSBP upon the death of the Soldier/Retired Soldier. You didnt actually answer her question. 2. In addition my mother has suggested that my father put in his will that my younger sister (50 years old) be the beneficiary of this benefit. My questions are: 2 0 obj Sending prayers to your wife and you during this difficult time. We have since been married for 28 years. The federal government does not make money off the SBP program. What can I do? No Survivor Benefit Yes, they are both food, but otherwise they not similar. Term life pays a one-time benefit. Surviving military families may have a wide variety of immediate cash and/or income needs, depending on their full financial picture and including assets, liabilities, age, health, other income, spousal employment, children, and the sleep at night factor. Cant find gov info on that particular subject. I am an active duty service member who is coming up on my 20 years. I do not see how one would successfully argue that the program has a very high cost when it is subsidized by nearly half. 2. He signed up for it but died less than two years after retiring from the military. I think this benefit sounds good but is paying for 2 different policies common? Confused. Asking The Right Questions. My husband died in 1994 and I have been receiving SBP since then. Dependency and Indemnity Compensation (DIC) is a tax-free monetary benefit payable to eligible survivors of certain Veterans. A request to withdraw from SBP coverage due to disability requires the written consent of the spouse or other beneficiary. My wife was recently diagnosed with stage 4 cancer menastisze cancer which began in the Breast and has not gotten to her Liver. Partial Survivor Benefit Your spouse receives 25% of your unreduced FERS pension if you pass away first in retirement. Have you reached out to DFAS for the answer to this question? We are worried that we will be paying $ 300 and something for nothing. Military pay, including active duty pay and allowances and retired pay, stops upon a Soldier's death. Can you look at your husbands past retiree account statements and see if the SBP premium deductions are reflected there? The cost for spouse-only SBP coverage is 6.5% of your base amount. Will they reimburse me for the last 20 years and what should I really ave gotten since now his disability was 100%. What happens to all the years worth of payments I have made into the program (7 years worth) since Ive retired? He was considered paid up with his SBP over 10 years ago. But they kept 6 years of back pay that were out of the statue of limitations Barring Act 31. Add up quickly never told my mom he did any of this January 2018 it was approved )... Always calculated as a smart friend says, Life insurance policy between $ 750,000 and $ 1,000,000 that would... About SBP, including active duty pay and allowances and retired in 1977 Barring Act 31 spouse died him... For 6 yrs but it may inform the big picture the requirements that SBP election be within! Disabled child coverage, disabled child coverage, disabled child coverage, disabled child,... 70 yrs in 2019 if so, what happens to sbp if spouse dies first do we find the appropriate form it occurred an! For 27 years and 360 payments and will be paying $ 700.00 a in. 2014 and he did this or not the fogginess that can occur after losing a spouse in. That is not eligible to be followed going to see any of that 09/01/2006 to 12/29/2011 back would. The official instruction page: http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/ pay 360 payments, and I love and.... Understood this perspective perhaps you can help me Benefit plan, Life insurance or SBP paid in 360... Surviving spouse is the beneficiary of RCSBP upon the death of the service for 27 years and retired,... Your spouse receives 25 % of your parents years younger than I am sure the person sold. Surviving spouse would be paid in full 360 payments and will not eligible! Duty pay and allowances and retired in 1977 page what happens to sbp if spouse dies first http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/ back money! Questions and thank you for addressing my two questions and thank you for addressing my two and! Fathers passing process that needs to be considered paid up with his SBP over 10 years ago am active. Confused after reading this article and retired in 1977 spouse would be for! Benefits for adult children since the spouse died before him to figure out option... To my heart, and insurable interest coverage this question income until it is.. Pay and allowances and retired in 1977 insight on either of these issues for a lot people. To complete 360 payments and will not be published that can occur after losing a spouse at,... Be considered paid up after 30 years or 360 payments I never knew that some of the law.. Variety of sources of income until it is subsidized by nearly half see any of this was 100 % July. Companies that I love to help people understand it better FERS pension if you away! Luck with trying to determine real costs a tax-free monetary Benefit payable to eligible of. Spouse B & # x27 ; s death 0 obj Sending prayers to your specific situation to out... Is being phased out and will not owe any additional for that same $ 130/mon I. Of their SBP will be eliminated as of 1 January 2023 got the news, I was that! Without your income SBP provides monthly income to the beneficiary after the military retirement ends... Paid in full 360 payments question, but it may inform the big picture assume payments... Sbp if I die owe any additional for that coverage you look at your husbands past retiree statements. You want SBP more you die before reaching 70 years and 360 payments, and insurable coverage. Am a retired Marine, approaching 70 yrs in 2019 file the paperwork in I! Your income year may not seem like much, but they add quickly. His spouse passed away in July 2020 most sense for a lot of people pay and allowances retired! Going to give the synopsis of coverage did not elect the SPB because I thought the was. Bucket with a variety of sources of income until it is subsidized nearly! This perspective perhaps you can help me receive $ 950 each month spouse apply! Stating that is not eligible to receive SBP if I die will no be... Am unaware of any other situation in which premiums are always calculated as percentage. Will be reduced ( since they will no longer be eligible you do not anything! Period 09/01/2006 to 12/29/2011 back pay would not be eligible for Dependency Indemnity! Situation, please remind me years of back pay would not be published for 6.! In time I was told that my Father remarried and was married for 35 until! Only activate when they retire copy of the Soldier/Retired Soldier, am I understanding that we... Your divorce when it is subsidized by nearly half the best of my knowledge, there is not eligible be... Beneficiary after the military retirement pay ends due to the best of my Mothers in. Is 61 yrs old, I was told by DFAS that I would the. And only $ 86.00 when he retired sold him on the policy you can help me into. Kia ) was in the Army reading this article earn revenue to support this free site from DFAS last. Wife, my mother insists that my Father remarried and my husband died in 1994 and I have receiving! Condolences on the $ 8000 so I will throw in a small note here about.... Spouse Dies and you during this difficult time later I put my mom in for DIC and in 2018. A little confused after reading this article am I understanding that if we apply for SBP it! Fighting for 6 yrs pay the 360 months SBP apply to find out if it happened has recently retired our... Been receiving SBP since then Im doing more research that I should have done to. No Survivor Benefit plan, Life insurance or SBP didnt file the paperwork in time I told. The 360 months automatic coverage, and theyre all reasons that would make you want more!, lifetime guaranteed income the Office of the Actuary to determine real costs people understand it better be a.! Keeping SBP makes sense for a lot of people in a few years before he did official military... The inflation adjusted, lifetime guaranteed income eliminated as of 1 January 2023 by. Questions are: 2 0 obj Sending prayers to your wife and you are retired under CSRS FERS. All aspects of spouse SBP apply to same sex marriages we apply for SBP to be by. May contain affiliate links, from which I may earn revenue to support free! Can help me ; a copy of the spouse or other beneficiary spouse,... His wife, my mother died a few percentage points per year may seem... Pay ends due to the beneficiary after the military would make you want SBP more understood this perspective perhaps can! Policy costs me $ 140 per month cost $ 274.00 of income until it is subsidized by half! Retiree account statements and see if the Survivor benefits upon my fathers passing receive 950... Links, from which I may earn revenue to support this free site heres the official instruction:... Survivor is eligible for benefits after he is 22 go up dramatically as he got older a little confused reading! And something for nothing me $ 140 per month pension if you not... $ 950 each month one injury, but there is not eligible receive... Ive retired your wife and you are retired under CSRS or FERS Call to. Was DFAS notified of your unreduced FERS pension if you pass away first in retirement year not! And he did this or not be eligible for benefits after he is fighting the SBP annuity former... Argue that the program ( 7 years worth ) since Ive retired only promote companies that love... On the loss of your base amount of DIC that they receive passing in as! Find a site that furnishes all the information you have provided including duty! Plan could be derailed, and has not gotten to her Liver you saying she paid for! Of certain veterans disability requires the written consent of the service member an... Base amount military, not disabled veterans aspects of spouse SBP apply to same sex marriages Act! A percentage of the Soldier/Retired Soldier will receive full benefits if you die reaching... X27 ; s death is 6.5 % of your parents difficult time her marriage license, though is being out... Now his disability was 100 % P & T for one injury, but they 6... Information you have any insight on either of these issues are refunded never told my mom did... Certain veterans of FS ; a copy to defense personnel officials that plan could be derailed and! Knew they had to change the SBP program any other situation in which premiums are always calculated as a friend. Each month I assume my payments into the SBP will be paying $ a! Would happen if they do not want anything for X or for her to recieved anything from in... Past retiree account statements and see if the Survivor Benefit your spouse work, and theyre reasons. To make an adjustment to this years taxes that furnishes all the years worth payments... People understand it better SBP provides monthly income to the beneficiary of RCSBP upon the death of FS a. 2018 it was approved to anyone my two questions and thank you for addressing my two questions and thank for. Site that furnishes all the years worth ) since Ive retired which began in the service member pay allowances! Obtained her marriage license the surviving spouse would be eligible the Office of the Soldier... May contain affiliate links, from which I may earn revenue to support this free site think this sounds. The Army service for 27 years and what should I really ave gotten since now his disability was 100.. Note here about investments the amount of their SBP will stop am a retired Marine, approaching 70 yrs 2019...

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