The 10/10 Rule Explained: Why Those Numbers Matter –
If you’re going through a military divorce, you’ve probably heard about the “10/10 Rule”—but what does it actually mean for you?
In simple terms: This rule determines whether DFAS (Defense Finance and Accounting Service) will directly pay your ex-spouse a portion of your military retirement. Here’s what you need to know.
What Is the 10/10 Rule?
The rule states that if:
You were married for at least 10 years AND
Those 10 years overlapped with 10 years of military service
…then your ex-spouse may qualify for direct payments from DFAS (rather than you having to send the money yourself).
What Benefits Are Affected?
1. Military Retirement Pay
– DFAS can split payments if the 10/10 rule is met
– Without it, the court can still award a portion—but you’d handle payments
2. Healthcare (TRICARE)
– The 20/20/20 rule governs healthcare (different from 10/10)
– But 10+ years of marriage helps with other benefits
3. Survivor Benefit Plan (SBP)
– Your ex may remain eligible as a beneficiary if the 10/10 rule applies
Common Misconceptions
“If we were married 10 years total, but only 5 during service, it counts.”
→ False. Both 10s must overlap.
“The 10/10 rule means my ex automatically gets half my pension.”
→ False. It just allows DFAS to pay them directly. The percentage is decided in court.
What If You Don’t Meet the 10/10 Rule?
– Courts can still award a portion of your retirement
– You’ll just be responsible for sending payments (not DFAS)
Need Help Navigating Your Benefits?
Military divorce benefits are complex—but we specialize in protecting service members’ rights. Contact us now.
