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The DD Form 2656-6, known as the Survivor Benefit Plan Election Change Certificate, is an important document for retirees of the uniformed services. It allows them to update or change their Survivor Benefit Plan (SBP) elections based on significant life events, such as marriage, remarriage, or the birth of a child. This form is crucial for ensuring that the designated beneficiaries are adequately covered in the event of the retiree's death. It is guided by specific regulations under U.S. law, including provisions of Title 10 U.S.C. and various DoD instructions. While completing this form is voluntary, it is essential to provide accurate information to avoid incorrect elections or delays in survivor benefits. Retirees must submit the completed form along with necessary documentation to the appropriate agency, such as marriage certificates or birth certificates. Remember, this form should not be used for certain elections, such as terminating SBP coverage or electing coverage for a former spouse, as other forms are designated for those purposes. Understanding the details and requirements associated with the DD Form 2656-6 can ensure beneficiaries receive the benefits they deserve without unnecessary complications.

Dd 2656 6 Example

SURVIVOR BENEFIT PLAN ELECTION CHANGE CERTIFICATE

PRIVACY ACT STATEMENT

AUTHORITY: 10 U.S.C. Chapter 73, subchapters II and III; DoD Instruction 1332.42, Survivor Annuity Program Administration; DoD Financial Management Regulation, Volume 7B, Chapter 43; and E.O. 9397 (SSN).

PRINCIPAL PURPOSE(S): Used by uniformed service retirees to change their Survivor Benefit Plan election upon certain events occurring.

ROUTINE USE(S): None.

DISCLOSURE: Voluntary; however, failure to provide the requested information may result in an incorrect election and/or delayed payment of survivor benefits in the event of the member's death..

INSTRUCTIONS

This form is used to change a Survivor Benefit Plan election. A retired member may change an election under certain circumstances when specific conditions are met. Section III of this form describes these conditions and instructs you what additional sections of the form to complete. Complete this form and submit to the appropriate agency listed below with appropriate documentation, such as marriage certificates, birth certificates, divorce decree, etc., as required. Contact your Service Representative if you have questions or need assistance completing this form. For Army, Navy, Air Force and Marine Corps accounts, send the completed form to: Defense Finance and Accounting Service, US Military Retirement Pay, PO Box 7130, London, KY 40742-7130. For Public Health Service accounts, send the completed form to: U.S. Public Health Service/Commissioned Corps, 5600 Fishers Lane, Room 4-50, Rockville, MD 20857-0001.

NOTE: Do NOT use this form to elect to terminate SBP coverage under the provisions of Title 10 U.S.C., Section 1448a. Use DD Form 2656-2, "SBP Termination Request".

Do NOT use this form to elect coverage for a former spouse. Use DD Form 2656-1, "Former Spouse Election Certificate".

SECTION I - MEMBER INFORMATION

1.

NAME (Last, First, Middle Initial)

2. SOCIAL SECURITY NUMBER

3. DATE OF RETIREMENT

4. DATE OF BIRTH

 

 

 

(YYYYMMDD)

(YYYYMMDD)

 

 

 

 

 

5.

MAILING ADDRESS (Street, Apartment Number, City, State, and ZIP Code)

6. TELEPHONE NUMBER

 

 

 

 

(Include area code)

 

 

 

 

 

SECTION II - CURRENT COVERAGE

7. MY CURRENT COVERAGE IS: (X one)

 

NO COVERAGE

 

SPOUSE ONLY

 

CHILD ONLY

 

SPOUSE AND CHILD

 

 

 

 

 

 

 

 

 

INSURABLE INTEREST

 

FORMER SPOUSE

 

FORMER SPOUSE AND

 

SUSPENDED COVERAGE

 

 

 

CHILD

 

(See NOTE)

 

 

 

 

 

 

NOTE: Suspended coverage occurs when the member loses his/her spouse beneficiary to death or divorce; or his/her former spouse beneficiary remarries before age 55; or his/her children exceed the age for eligibility.

SECTION III - CONDITIONS THAT TRIGGER ELIGIBILITY TO CHANGE COVERAGE

8. I AM REQUESTING A CHANGE IN COVERAGE BASED ON: (X all that apply)

MARRIAGE. A member, who does not have a spouse at the time of initial eligibility, may provide SBP for the first spouse acquired after retirement by electing coverage before the first anniversary of that marriage. Coverage and cost begin on the first anniversary of the marriage (coverage begins immediately upon the birth of a child to the member and spouse beneficiary).

REMARRIAGE. A member whose spouse coverage is suspended due to death of the spouse or divorce, has three options upon remarriage (choose one option only by placing an X in the appropriate block):

(1)Resume existing level of coverage for my new spouse (X appropriate block in Section IV);

(2)Increase existing level of coverage - up to full retired pay (Complete Section IV);

(3)Not resume any SBP coverage for my new spouse (Complete Sections VI and VII).

The following additional option is available for members who have former spouse coverage, who remarry and the member is allowed to discontinue that coverage:

(4) Select coverage for my new spouse if my current coverage is former spouse coverage (Complete Section IV).

NOTE: An election in Section V which increases my initial level of coverage will result in an amount owed that is equal to the difference between the amount of SBP costs that would have been incurred if the new level of coverage had originally been elected and the amount of SBP costs that I have incurred to date, plus interest. I understand that payment of the amount owed must be made prior to the first anniversary of the remarriage. I also understand that although this election must be submitted within the first year of marriage, my new spouse will not be an eligible SBP beneficiary until the first anniversary of our marriage (or upon the birth of our child born after the date of our marriage, if earlier). My failure to notify DFAS or the PHS payroll office, as appropriate, of my SBP decision will result in automatic coverage at the previous level and a debt for monthly premiums will accrue beginning upon the first anniversary of our marriage. In the event of my death, payment of the monthly premium debt must be completed before my spouse will receive payment of the SBP annuity.

ACQUIRING A DEPENDENT CHILD. A member who does not have a dependent child at the time of initial eligibility for SBP may elect coverage for a dependent child within the one-year period after acquiring the first dependent child.

DIVORCE. A member with spouse coverage who divorces, AND who does not elect former spouse coverage, is automatically in a "Suspended Coverage" status. To elect former spouse coverage, submit DD Form 2656-1, "Former Spouse Election Certificate".

DEATH OF SPOUSE. A member with spouse coverage, who subsequently loses that spouse to death, must select "Suspend Coverage" in Section IV. Reminder: Death does not permanently terminate SBP spouse coverage. Coverage and costs are simply suspended pending future events.

NOTE: If either "Divorce" or "Death of Spouse" is selected, and the member had previously elected spouse and child coverage, the coverage would

convert to "Child Only" coverage if the member has an eligible child. Exception: In the event of divorce and the member is required to provide former spouse coverage.

DD FORM 2656-6, APR 2009

PREVIOUS EDITION IS OBSOLETE.

Adobe Professional 8.0

MEMBER NAME (Last, First, Middle Initial)

SSN

SECTION IV - REQUESTED CHANGE TO COVERAGE

9.PLACE AN X IN THE APPROPRIATE BOX TO INDICATE YOUR ELECTION. NOTE: If you are changing to former spouse coverage, disregard this form. Instead, submit DD Form 2656-1, "Former Spouse Election Certificate".

RESUME EXISTING COVERAGE. (Complete Sections VI and VII below.)

SPOUSE ONLY. (Complete Sections V through VII below.)

SPOUSE AND CHILD(REN). (Complete Sections V through VII below.)

CHILD(REN) ONLY. (Complete Sections V through VII below.)

SUSPEND COVERAGE. (Complete Section VII below.)

SECTION V - LEVEL OF COVERAGE

10.If this is an initial election (or if increasing the level of coverage following remarriage), select the monthly amount of retired pay you wish to have the survivor annuity based on. NOTE: You cannot decrease the level of existing coverage. Your covered spouse beneficiary will receive an annuity that will pay 55 percent of the level of coverage you select until their age 62 and will pay between 45 to 50 percent during the phase-out of the two-tier method (October 2005 - March 2008). Effective April 1, 2008, the annuity regardless of age will be 55 percent of the level of coverage selected. The annuity paid to a child or children totals 55 percent (divided in equal shares). Children annuities are payable to children who are: under age 18; or under age 22 if full time, unmarried students; or any age if disabled and incapable of self-support before 18 (or 22, if while a full time student). An insurable interest annuity is 55 percent of the difference between retired pay and the premium for coverage. Insurable interest annuities remain at 55 percent of the net base amount regardless of age.

Place an X in the appropriate box to indicate your election.

FULL RETIRED PAY.

REDUCED AMOUNT OF RETIRED PAY (Cannot be less than $300.00) $

SECTION VI - SPOUSE AND CHILD(REN) INFORMATION (If applicable)

11.A. SPOUSE'S NAME (Last, First, Middle Initial)

B. SOCIAL SECURITY NUMBER

C. DATE OF BIRTH

(YYYYMMDD)

12.DATE OF MARRIAGE (YYYYMMDD)

13.DEPENDENT CHILDREN. Complete this section for your unmarried, dependent children who are under age 18; or under age 22 if full time students; or any age if disabled and incapable of self-support before age 18 (or 22 if a full time student).

a.CHILD'S NAME (Last, First, Middle Initial)

b. SOCIAL SECURITY NUMBER

c. DATE OF BIRTH

(YYYYMMDD)

d. RELATIONSHIP (Son, daughter, stepson, etc.) (Indicate "FS" if from previous marriage)

e.DISABLED?

(Yes/No)

SECTION VII - MEMBER SIGNATURE

A NOTARY PUBLIC OR SBP COUNSELOR MUST WITNESS THE MEMBER'S SIGNATURE. The witness cannot be the member's spouse, or

beneficiary.

14. SIGNATURE OF MEMBER

 

15. DATE SIGNED (YYYYMMDD)

 

 

 

16.A. PRINTED NAME OF WITNESS

B. SIGNATURE

C. DATE SIGNED (YYYYMMDD)

(Last, First, Middle Initial)

 

 

 

 

 

D. MAILING ADDRESS OF WITNESS (Include ZIP Code)

E. (For Notary Use Only)

MY COMMISSION EXPIRES: (YYYYMMDD)

DD FORM 2656-6 (BACK), APR 2009

File Breakdown

Fact Name Description
Form Purpose The DD Form 2656-6 is used by retired uniformed service members to change their Survivor Benefit Plan (SBP) election due to specific life events.
Governing Authorities This form is governed by 10 U.S.C. Chapter 73, subchapters II and III, as well as DoD Instruction 1332.42 and the DoD Financial Management Regulation.
Privacy Statement Completion of this form is voluntary. However, not providing the required information may lead to incorrect elections or delays in survivor benefits.
Eligibility Conditions Members may change their SBP elections based on events like marriage, divorce, acquiring a dependent child, or the death of a spouse.
Instructions for Submission Once completed, the form must be submitted to the relevant agency. Supporting documents such as marriage or divorce certificates may be required.
Notable Exclusions This form cannot be used to terminate SBP coverage or elect coverage for a former spouse. Different forms, DD 2656-1 and DD 2656-2, must be used for those purposes.

Guide to Using Dd 2656 6

It’s important to carefully complete the DD 2656-6 form to ensure that the necessary benefits will be processed correctly. This form allows you to make an election change regarding your Survivor Benefit Plan due to certain life events. Follow these steps to fill out the form accurately.

  1. Start with Section I - Member Information: Fill in your full name (last, first, and middle initial).
  2. Enter your Social Security Number.
  3. Provide your Date of Retirement in the specified format.
  4. Record your Date of Birth using the YYYYMMDD format.
  5. Complete your Mailing Address, including street address, apartment number (if applicable), city, state, and ZIP code.
  6. Input your Telephone Number, making sure to include the area code.
  7. Move to Section II - Current Coverage: Check the box that represents your current coverage status (e.g., No Coverage, Spouse Only, etc.).
  8. In Section III - Conditions that Trigger Eligibility to Change Coverage: Indicate all applicable reasons for changing your coverage. Check each box that applies to your situation.
  9. Proceed to Section IV - Requested Change to Coverage: Mark the appropriate box to note your desired election. Ensure to ignore this section if you are changing to former spouse coverage.
  10. For Section V - Level of Coverage: If this is your initial election or if you're increasing coverage, choose the amount based on your retired pay.
  11. Next, move to Section VI - Spouse and Child(ren) Information: If applicable, list your spouse’s information, including their name, Social Security Number, and date of birth.
  12. Also, list details for any dependent children, including their names, Social Security Numbers, dates of birth, relationship to you, and disability status.
  13. Finally, complete Section VII - Member Signature: Sign and date the form. Remember, a notary or SBP counselor must witness your signature. Their printed name, signature, and other information are also required.

After filling out the form, gather any necessary documentation mentioned in the instructions and send it to the appropriate agency listed, based on your military branch. Be sure to double-check your entries to minimize any delays in processing.

Get Answers on Dd 2656 6

What is the purpose of the DD Form 2656-6?

The DD Form 2656-6, also known as the Survivor Benefit Plan Election Change Certificate, is used by retired members of the uniformed services to change their Survivor Benefit Plan (SBP) elections following specific life events. These events can include marriage, remarriage, acquiring a dependent child, or the death of a spouse. By submitting this form, retirees ensure that their survivor benefits are aligned with their current situation and beneficiaries.

When should I use this form?

This form should be utilized when a retired service member needs to modify their SBP coverage. Circumstances that prompt a change include:

  • Marriage
  • Remarriage after divorce or death of a spouse
  • Acquisition of a dependent child
  • Divorce, which suspends existing spouse coverage
  • Death of a spouse, leading to suspended coverage that may need to be adjusted

It’s critical to act within designated time frames to avoid complications with survivor benefits and payments.

What documents do I need to submit with the DD Form 2656-6?

When completing the DD Form 2656-6, accompanying documentation may be required. This can include:

  1. Marriage certificates
  2. Divorce decrees
  3. Birth certificates for dependent children

Submitting the correct documentation will help ensure a smooth processing of your application.

Can I use the DD Form 2656-6 to terminate SBP coverage?

No, the DD Form 2656-6 cannot be used to terminate SBP coverage. For that purpose, you must use DD Form 2656-2, "SBP Termination Request." Ensure you select the correct form to avoid unnecessary delays or issues with your survivor benefits.

What happens if I miss the deadline to change my SBP coverage?

Failing to submit the form within the required timeline can lead to serious consequences. If not submitted within the specified time frame, your coverage may remain at the prior level, and debts for premiums may accrue. In the event of a death, your spouse may not receive the anticipated survivor benefits until all owed premiums are paid.

Where should I send the completed form?

The completed DD Form 2656-6 should be mailed to the appropriate agency based on your service branch. For most military branches, including Army, Navy, Air Force, and Marine Corps, send it to:

Defense Finance and Accounting Service
US Military Retirement Pay
PO Box 7130
London, KY 40742-7130

If you are part of the Public Health Service, mail it to:

U.S. Public Health Service/Commissioned Corps
5600 Fishers Lane, Room 4-50
Rockville, MD 20857-0001

Ensure you verify the proper address before sending your form to avoid misdirection.

Common mistakes

Completing the DD Form 2656-6, which is meant to change your Survivor Benefit Plan election, can seem straightforward. However, there are common mistakes people make that can lead to confusion or delays in processing the form. Here are five key pitfalls to avoid.

First, misidentifying the form's purpose is a frequent error. Some individuals mistakenly use the DD 2656-6 when they actually need to fill out different forms for specific situations, such as electing coverage for a former spouse or terminating coverage entirely. By not paying attention to the details of the form, they risk their applications being rejected or improperly processed, which can delay benefits considerably.

Second, providing incorrect personal information can create complications. It's essential to double-check that your name, Social Security number, and other relevant personal details are accurate. A small typographical error in your Social Security number can result in significant issues when the Defense Finance and Accounting Service (DFAS) tries to verify your information. Always cross-reference your entries against your official documents to minimize this risk.

The third mistake involves not following the guidance in Section III regarding eligibility triggers. Many people fail to check that their reason for changing their benefit—like remarriage or the acquisition of a dependent child—fits within the outlined conditions. If the appropriate box isn’t checked, or if the conditions aren’t clearly met, the form might be returned or processed incorrectly, further complicating the situation.

Fourth, neglecting to include necessary supporting documentation can hinder the process. The instructions clearly state that additional documents, such as marriage certificates or divorce decrees, may be required. If you send the form without these supporting documents, it could lead to delays in your application's processing. Ensure these documents are gathered and submitted alongside your form to avoid any interruptions in your benefits.

Finally, not obtaining necessary signatures can delay your application. Section VII requires that your signature be witnessed by a notary or SBP counselor. Forgetting to have the signature properly witnessed can result in a rejected application. Make sure this crucial step is completed, and consult a notary or SBP counselor if you have questions about the witnessing process.

Avoiding these five common mistakes when filling out the DD Form 2656-6 will streamline your experience and help ensure timely processing of your Survivor Benefit Plan changes. With careful attention to detail and adherence to instructions, you can confidently navigate this important form.

Documents used along the form

When navigating the Survivor Benefit Plan (SBP) and its related forms, it's important to understand some supplementary documents that may accompany the DD Form 2656-6. Each of these documents serves a specific purpose in the process of managing survivor benefits. Below is a list of key forms that are frequently used along with the DD Form 2656-6.

  • DD Form 2656-1: Former Spouse Election Certificate - This form is used by retirees who wish to elect SBP coverage for a former spouse following a divorce. It is essential for ensuring that the former spouse receives benefits as required by the divorce decree.
  • DD Form 2656-2: SBP Termination Request - Individuals must submit this form when they want to terminate their SBP coverage. It is required for those who no longer wish to maintain survivor benefits.
  • Marriage Certificate - This document proves the marriage between the member and the spouse. It is crucial when applying for benefits or making elections based on marriage.
  • Birth Certificate - A birth certificate is necessary for documenting a dependent child's eligibility for coverage under SBP. It verifies the child's age and relationship to the member.
  • Divorce Decree - This legal document outlines the terms of the divorce, including any agreements related to survivor benefits. It is important for transitioning coverage to a former spouse.
  • Form SF-1199A: Direct Deposit Sign-Up Form - This form is used by retirees to establish direct deposit for their benefits. It streamlines the payment process and ensures timely deposits.
  • Form DD 214: Certificate of Release or Discharge from Active Duty - This form can provide essential information about the service member’s military service, which may be necessary for processing benefits.
  • Social Security Documents - These may include items related to entitlement or benefits. They establish the relationship or eligibility of family members for benefits.
  • Notarized Affidavit - Sometimes required to affirm the validity of certain claims or documents. This form adds an extra layer of verification in legal matters.
  • Identification Documents - Government-issued ID, such as a driver’s license or military ID, may be needed to verify the member's identity when submitting forms.

Being aware of these forms and documents assists in ensuring compliance with the requirements surrounding survivor benefits. Proper documentation helps to secure timely and accurate benefits, addressing the needs of retirees and their beneficiaries effectively. If there are any uncertainties, seeking guidance from a service representative can provide clarity.

Similar forms

The DD Form 2656-6 is a specific document used for making changes to the Survivor Benefit Plan. There are several other forms that serve similar purposes in relation to survivor benefits and retirement elections. Below are eight forms that are commonly associated with the DD Form 2656-6, highlighting their functions and similarities:

  • DD Form 2656-1, Former Spouse Election Certificate: This form is used to elect coverage for a former spouse. If a retiree gets divorced, they can use this document to ensure their former spouse is eligible for survivor benefits.
  • DD Form 2656-2, SBP Termination Request: This form allows a retiree to terminate their current Survivor Benefit Plan coverage. It becomes relevant in circumstances such as the member wanting to discontinue coverage entirely.
  • DD Form 2656-3, Direct Deposit Sign-Up Form: Similar to the DD Form 2656-6, this document facilitates financial changes. It specifically sets up direct deposit for survivor benefits, ensuring timely payments to beneficiaries.
  • DD Form 147-3, Survivor Benefit Plan Update Form: Used to update any changes in beneficiary information due to life events, this form ensures that the Survivor Benefit Plan remains accurate and reflects a member's current wishes.
  • SF 2809, Health Benefits Election Form: While distinct from survivor benefits, this form is used to choose health insurance coverage under the Federal Employees Health Benefits Program (FEHBP). It addresses similar needs for beneficiaries after an individual's retirement.
  • SF 3102, Federal Employees Retirement System (FERS) Retirement Application: This form is filled out when a federal employee applies for retirement benefits, addressing the overall retirement process similar to how the DD Form 2656-6 addresses changes in survivor benefits.
  • VA Form 21-534, Application for Dependency and Indemnity Compensation, Death Pension, and Accrued Benefits: This document is relevant for survivors seeking compensation or benefits after the death of a military member. It serves a similar purpose in facilitating benefits for surviving family members.
  • DD Form 1172, Application for Identification Card/DEERS Enrollment: While primarily used for identification and enrollment purposes, it also ensures that beneficiaries can access benefits and services related to military affiliation.

Each of these documents is vital in its own right, serving unique roles in the broader context of managing survivor benefits and retirement elections. It is essential to choose the correct form based on individual circumstances to ensure preferences are accurately represented and benefits are maintained.

Dos and Don'ts

When filling out the DD Form 2656-6, here are some important actions to take and avoid:

  • Do ensure that all personal information, such as name, Social Security number, and dates of birth, are accurate.
  • Do check the specific eligibility conditions in the instructions to determine if you are allowed to change your Survivor Benefit Plan election.
  • Do submit supporting documents as required, such as marriage certificates or divorce decrees.
  • Do follow the correct submission procedure by sending the completed form to the appropriate agency.
  • Don't use this form to terminate SBP coverage; use the DD Form 2656-2 instead.
  • Don't elect coverage for a former spouse on this form; you must use the DD Form 2656-1.
  • Don't leave any required sections blank; incomplete forms may lead to processing delays.

Misconceptions

Understanding the DD Form 2656-6, also known as the Survivor Benefit Plan (SBP) Election Change Certificate, is crucial for military retirees and their beneficiaries. However, several misconceptions about this form can lead to confusion. Here are nine common misconceptions explained.

  • It is the same as the DD Form 2656-1. Many believe that the DD Form 2656-6 can be used for former spouses as well as current spouses. This is incorrect. The DD Form 2656-1 is specifically designated for former spouse elections.
  • Submission of the form is mandatory for all changes. Some individuals think they must submit the DD Form 2656-6 for any change in coverage. However, certain changes, like the termination of coverage, require different forms, such as the DD Form 2656-2.
  • The form allows for immediate effect of changes. A common belief is that changes made with the DD Form 2656-6 take effect immediately. In reality, coverage typically begins on the first anniversary of the marriage or upon the birth of a child, depending on the circumstances.
  • Only one submission is needed for all covered entities. It is a misconception that one submission is sufficient for all military branches. Each branch has its specific protocols and addresses for submitting this form, which must be followed to ensure proper processing.
  • There is no need for additional documentation. Some retirees assume the form can be submitted alone. In fact, supporting documents, such as marriage certificates or divorce decrees, are often required to validate the requests made on the form.
  • The form covers a broad range of eligibility conditions. Many people erroneously think the form allows for changes under any circumstance. It actually specifies particular events, like marriage, divorce, or the death of a spouse, that trigger eligibility to change coverage.
  • Coverage automatically resumes after divorce. A frequent misconception is that if a member is divorced, coverage will automatically revert to the previous status. In truth, after a divorce, the coverage status changes to suspended until the member makes an election.
  • This form can be used to increase coverage at any time. Individuals often believe they can increase their coverage level whenever desired. However, an increase in coverage is typically contingent upon specific qualifying events, such as remarriage.
  • Once filed, the form cannot be altered or canceled. There is a belief that after submitting the form, individuals cannot make any changes. In fact, members have options to request adjustments or even cancel their elections, depending on the circumstances and timing.

Understanding these misconceptions can help military retirees navigate the complexities of their Survivor Benefit Plan more effectively and ensure they make informed decisions regarding their coverage.

Key takeaways

  • The DD Form 2656-6 is specifically designed for uniformed service retirees to change their Survivor Benefit Plan (SBP) elections.

  • It is important to use this form within specific time frames, especially after major life events such as marriage or divorce.

  • Section III outlines the conditions under which a retiree may change their SBP coverage, including marriage, remarriage, divorce, or the death of a spouse.

  • Retirees are required to provide supporting documents, such as marriage or divorce certificates, when submitting the form.

  • Form completion must be done accurately to ensure that survivor benefits are not delayed or incorrectly issued.

  • It is critical that retirees understand the difference between this form and others, such as DD Form 2656-1 for former spouse elections and DD Form 2656-2 for terminating SBP coverage.

  • The form must be mailed to the appropriate agency based on the retiree’s service branch, such as the Defense Finance and Accounting Service or the U.S. Public Health Service.

  • Retirees must indicate their current coverage level clearly, choosing from options like "Spouse Only" or "Child Only."

  • Failure to update or notify DFAS or the relevant payroll office about changes may lead to automatic coverage at a previous level, incurring debt for unpaid premiums.

  • A witness, who cannot be the spouse or beneficiary, must sign the document, emphasizing the importance of proper oversight in the process.