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SBP Spouse and Children Coverage

Money

Child coverage may be added to spouse or former spouse coverage. In this case, SBP payments will be made to the children only if your surviving spouse or former spouse remarries before age 55 or dies. Eligible children equally divide benefits equal to 55 percent of the base amount.

When you include child coverage with former spouse coverage, only your children of that former spouse are covered. Any other children will not be paid benefits under this option. In the child only option or when you include children with spouse (not former spouse) coverage, all of your children are covered.

Cost

The premium for the child's portion of the cost in a spouse and child election, is based on the ages of the member, the spouse, and the youngest child.  This cost is added to the spouse cost.   Because these cost factors take into consideration all possibilities of the ages of the member, the spouse, and the youngest child, they are too extensive to include in this fact sheet.  A cost computation can be obtained by contacting an SBP counselor at the nearest military installation.  

Benefit Payments

Under this option, SBP payments will be made to the children only if your surviving spouse or former spouse remarries before age 55 or dies. Eligible children equally divide benefits equal to 55 percent of the base amount.

Special Note:

Public Law provides that a participant is considered "paid-up after completing 30 years (360 payments) in the Plan. This applies to a specific category of beneficiary (i.e., spouse), at a specific base amount (i.e., full retired pay).

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