Will You Lose Your Military Benefits If You Divorce?” –
This is one of the most common questions we hear from military spouses. The good news? If you qualify under the 20/20/20 Rule, you might keep:
– TRICARE healthcare
– Commissary/base access
– Exchange privileges
Here’s exactly how it works.
What Is the 20/20/20 Rule?
You qualify if:
20+ years of marriage AND
20+ years of military service AND
At least 20 years where marriage and service overlapped
Example: If your spouse served 22 years and you were married for 21 of those, you’d qualify.
Benefits You Keep Under 20/20/20
1. TRICARE Medical Coverage
– Same benefits as active-duty families
– No enrollment fees for Prime
2. Base Privileges
– Commissary, PX, and MWR access
– Can even get a new dependent ID card
3. Space-A Travel
– Still eligible for military flights
What If You Don’t Quite Meet 20/20/20?
The 20/20/15 Rule offers transitional benefits:
– 1 year of TRICARE
– Temporary base access
Critical Reminders
Remarriage terminates these benefits (except if you remarry another service member)
Your ex must still be serving/retired – benefits end if they leave service
Children’s benefits continue regardless
Need Help Verifying Your Eligibility?
We help military families navigate benefit protections daily. Contact us to learn more.
