Military SBP Divorce Guide –
The Survivor Benefit Plan (SBP) is like life insurance for military pensions – but divorce changes everything. Here’s what happens to SBP when marriages end.
How SBP Normally Works
– Retirees pay premiums to ensure continued pension payments to their spouse after death
– Covers up to 55% of retired pay
– Automatic enrollment at retirement unless waived
Divorce Triggers Critical Decisions
1. Can Your Ex Stay Covered?
– Yes, if:
– Court orders it (common in long marriages)
– You agree to keep paying premiums
2. How to Remove an Ex-Spouse
– Must file DD 2656-1 within 1 year of divorce
– Premiums stop immediately
3. Replacing the Beneficiary
– Can designate:
– New spouse
– Children
– Even yourself (if you’re the retiree)
California-Specific Considerations
– Courts often order SBP coverage as part of divorce settlements for:
– Marriages lasting 10+ years
– Dependent spouses
– Premiums may be treated as part of spousal support
Common Mistakes to Avoid
Missing the 1-year deadline to change beneficiaries
Assuming SBP continues automatically (it doesn’t)
Forgetting to update DEERS (causes payment issues)
Protect Your SBP Rights Today
Don’t leave your financial security to chance. Our military divorce experts ensure proper SBP handling. Contact us now to learn more.
