Marriage | Deployment | Promotion | Home Purchase | Children | Transition | Retirement  Insurance for Transition from Military Service Military Benefits Stop. Review your insurance needs and replace lost benefits to continue protection for your loved ones.   While on active duty survivor benefits have been available for your family. These benefits end at separation or retirement.  How will they be replaced?                   On This Page Decisions You Must Make Now Which Life Insurance is Right for You? How We Can Help      Service Benefits For Active Duty Death Death Gratuity Lump sum payment of $100,000 (tax free). Service-members' Group Life Insurance (SGLI) Coverage of up to $400,000 for all service members pays a lump sum or monthly payments for active duty death and deaths which occur within 120 days of leaving the service. Pay Arrears in pay and payment for accumulated leave. Housing Benefit Survivors are entitled to one year of either continued government housing or a lump sum payment for 1 year of BAH, whichever is currently being received. Final Move A no cost shipment of household goods within 1 year. Medical Benefits Survivors continue to receive health care benefits as "Active Duty Dependants", including the dental plan, for three years.  After three years, they may transition to TRICARE, just like the families of military retirees. Dependent children of deceased service members receive TRICARE Prime medical coverage at no cost, until age 21, or age 23 if they are full-time college students. Burial Benefit Care and disposition of remains, including burial in a national cemetery with appropriate military honors or reimbursement of up to $7,700 for private arrangements. Travel Transportation reimbursement for immediate family for travel to and from the funeral is available or the government will provide suitable transportation. Dependency and Indemnity Tax Compensation (DIC) Tax-exempt, COLA adjusted monthly payment to spouse and to children to age  18, or 23 if enrolled in post-secondary education. Survivors' and Dependents Education Assistance (DEA) Tax-exempt, COLA adjusted benefit for spouse and children for continued education.                   Survivor Benefits After Transition BENEFITS STOP  VA Benefits terminate when you leave the service (unless death is service connected) Social Security - Not available until age 60 unless children under agee 16 are still at home SGLI benefits go away Government Benefits provide monthly income NOT a lump sum      Decisions You Must Make Now 1. Survivor Benefit Plan (SBP) Participation:  If you are retiring from military service you have the option of participating in the Survivor Benefit Plan - an annuity plan which guarantees that a portion of your retirement pay will continue to be paid to your survivors after your death Survivor benefit plan details on eligibility, cost and key decision making points… 2. Service-members’ Group Life Insurance (SGLI) Conversion: Whether you are separating from military service or retiring, you will need to decide what to do with your SGLI coverage. SGLI stays with you for an additional 120 days after you leave the service, then it stops for good. SGLI conversion cost and key decision making points… Bottom line $500,000 in lump-sum death benefits + monthly income stop when service ends. Providing for your family is now up to you.   You need an insurance plan that will stay with you regardless of where you are or what you do. What to do with your Thrift Savings Plan         Which Life Insurance is Right For You?  Term Life Insurance Low cost protection for a fixed period of time Premiums guaranteed never to increase Best Choice: for those looking for the highest amount of life insurance possible while keeping premiums very low. Learn More about Term Life Permanent Life Insurance Guaranteed lifetime protection Tax-deferred cash value growth  Best Choice: for you to protect both yourself and your family for your entire life while accumulating cash value. Learn More about Permanent Life            Life Insurance Basic Facts Learn the basics on the different types of life insurance and which one is right for you - right now. How We Can Help   Navy Mutual’s term life insurance stays with you as your career changes. You and your family are protected, no matter where life takes you. Government Survivor Benefits Educators available to help you make an informed decision about your military benefits Dedicated membership representative to help you determine exactly what your family needs now Military benefits specialists that take into account any military benefits that might apply to you already  Counseling and military benefits claims assistance for your survivors No sales fees, commissions and loads on any products or services keep your cost low How Navy Mutual Serves the Military   See how affordable quality life insurance can be!

"I want to thank Navy Mutual Aid Association and especially those in the Service Claims department for their understanding and help. Over the years, my husband said to me so many times, ‘What is the first thing you do when I die?’  And I’d say, ‘You tell me to call Navy Mutual Aid.’ And this is about all I was able to do.”

Mary Ryan – Beneficiary

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