Military Survivor Benefits

Losing a loved one who served in the military is an incredibly tough experience, and understanding the ins and outs of survivor benefits can add to the stress. However, these benefits are there to offer crucial support and stability during difficult times. Let's break down what military survivor benefits really mean for families.

What are Military Survivor Benefits ?


Military survivor benefits are financial lifelines extended to the families of service members who have passed away. These benefits aim to provide ongoing support and security to eligible dependents after losing a loved one who served in the military. The benefits typically include:
  • Dependency and Indemnity Compensation (DIC): DIC is a monthly benefit that helps eligible survivors cope with the financial impact of losing a service member who died in the line of duty or due to service-related disabilities.
  • Survivor Benefit Plan (SBP): This plan offers eligible survivors a portion of the military retiree's pension payments after their death. It's like a safety net for the future.
  • Death Gratuity: A one-time payment made to eligible survivors of service members who died on active duty, providing immediate assistance during a difficult transition.
  • Tricare Benefits: Surviving spouses and dependents may also receive continued healthcare coverage through Tricare, ensuring access to essential medical services.

How Does the Military Survivor Benefit Plan Work ?


The Military Survivor Benefit Plan is a program designed to provide a continued source of income to eligible survivors of retired military members after the retiree's death. Here's how the SBP works:

1) Enrollment and Election:
  • Military members nearing retirement can elect to participate in the Survivor Benefit Plan (SBP) during their retirement process.
  • At retirement, the member chooses a coverage level (full or reduced) and designates a beneficiary (typically the spouse).

2) Premium Payments:
  • Premiums for SBP coverage are deducted automatically from the retiree's retired pay.
  • The cost of premiums varies based on the coverage level and selected base amount.

3) Coverage Options:
  • Full Coverage: The surviving spouse receives up to 55% of the retiree's retirement pay.
  • Reduced Coverage: The surviving spouse receives a lower benefit amount (less than 55%) at a reduced cost compared to full coverage.

4) Benefit Payout:
  • If the retired service member passes away, the designated beneficiary (usually the surviving spouse) begins receiving monthly SBP payments.
  • SBP payments continue for the lifetime of the beneficiary, providing ongoing financial support.

5) Adjustments and Changes:
  • SBP payments are adjusted annually based on changes in the cost of living (COLA), ensuring that benefits keep pace with inflation.
  • Changes to SBP coverage, such as coverage level or beneficiary designation, may be possible under specific circumstances and require approval from the Department of Defense.

6) Termination of Benefits:
  • SBP benefits for the surviving spouse terminate upon remarriage before age 55, unless remarriage occurs after reaching age 55.
  • Other qualifying events, such as the death of the beneficiary, may also impact SBP eligibility and benefit payments.

Who is Eligible for Military Survivor Benefits ?


Eligibility for these benefits depends on various factors, including the circumstances of the service member's death and the survivor's relationship to the deceased. Generally, the following individuals may qualify:
  • Spouse: Surviving spouses are typically eligible for DIC, SBP, and other benefits.
  • Children: Dependent children may receive DIC until they reach a certain age, along with educational benefits.
  • Parents and Other Dependents: In some cases, parents, siblings, or other dependents of the deceased service member may also be eligible for certain benefits.

How to Apply for Military Survivor Benefits ?


Applying for military survivor benefits can be a daunting task, but it's crucial to start the process as soon as possible after the service member's passing. Here's what you need to do:
  • Notify the Military: Reach out to the deceased service member's branch of service to inform them of the death.
  • Gather Documentation: Collect important documents like the death certificate, marriage certificate, birth certificates of children, and any other relevant paperwork.
  • Apply for Benefits: Contact the Department of Veterans Affairs (VA) or Department of Defense (DoD) to begin the application process for DIC, SBP, and other benefits.

Seeking Assistance


Dealing with paperwork and bureaucracy during such a challenging time can be overwhelming. Don't hesitate to seek help from Veterans Service Organizations (VSOs) or other support groups. They can provide guidance, assistance with applications, and valuable information about available benefits.

Final Thoughts :

Military survivor benefits are more than just financial aid; they're a testament to the nation's commitment to supporting families who have sacrificed so much. If you've recently lost a military service member in your family, remember that these benefits are meant to honor their service by providing tangible support to those left behind. Reach out to the relevant authorities and organizations to access the benefits you deserve. Your loved one's legacy deserves to be honored with the care and assistance that survivor benefits offer.