AIR FORCE BOARD FOR CORRECTION OF MILITARY RECORDS
RECORD OF PROCEEDINGS
IN THE MATTER OF:
DOCKET NO: 98-00163
COUNSEL: NONE
HEARING DESIRED: NO
3UN 1 2 1998
Applicant requests that he be reimbursed Servicemember's Group
Life Insurance (SGLI) premiums paid from May 1996 to January
1997. Applicant's submission is at Exhibit A.
The appropriate Air Force office evaluated applicant's request
and provided an advisory opinion to the Board recommending the
application be denied (Exhibit C). The advisory opinion was
forwarded to the applicant for review and response (Exhibit D).
Applicant has provided a response (Exhibit E).
After careful consideration of applicant's request and the
available evidence of record, we find insufficient evidence of
error or injustice to warrant corrective action. The facts and
opinions stated in the advisory opinion appear to be based on the
evidence of record and have not been adequately rebutted by
applicant.
Absent persuasive evidence applicant was denied
rights to which entitled, appropriate regulations were not
followed, or appropriate standards were not applied, we find no
basis to disturb the existing record.
Accordingly, applicant's request is denied.
The Board staff is directed to inform applicant of this decision.
Applicant should also be informed that this decision is final and
will only be reconsidered upon the presentation of new relevant
evidence which was not reasonably available at the time the
application was filed.
Members of the Board Ms. Martha Maust, Mr. Gregory H. Petkoff ,
and Mr. Michael P. Higgins, considered this application on
10 June 1998, in accordance with the provisions of Air Force
Instruction 36-2603, and the governing statute, 10, U.S.C. 1552.
MAUST
&THA
Panel Chair
Exhibits:
A. Applicant's DD Form 149
B. Available Master Personnel Records
C. Advisory Opinion
D. AFBCMR Ltr Forwarding Advisory Opinion
E. Applicant's Response
.
DKPARTMENT OF T H E AIR FORCE
HEADQUARTERS AIRFORCE PKRSONNELCENTER
RANDOLPH AIR FORCE BASE TEXAS
MEMORANDUM FOR AF’BCMR
FROM: HQ AFPCIDPWCS
550 C. St. W. Ste. 14
Randolph AF’B ‘JX 78150-4716
SUBJECT: Application for Correction of Wtary Records -7
REQUESTED ACTION: The applicant declined Servicemen’s Group We
Insurance (SGLI) in Dec 94. With the passage of Public Law 104-106 SGLI
coverage was automatically raised to $200,000 until the member could elect reduced
or no coverage. The applicant has requested that his record be corrected to retain
previous election (no coverage) and that he be reimbursed premiums for
$200,000.00 coverage which automatically took e&ct 1 Apr 96.
BASIS FOR REQUEST The applicant claims his records are in error because he
did not give authorization to purchase SGLI insurance fbr $200,000. He request his
previous election for no coverage be honored.
DISCUSSION Section 646, Public Law 104-106,lO Feb 96, increased the
automatic level of SGLT coverage from $100,000 to $200,000 and repealed the
optional additional $100,000 of insurance. Implementation Guidance dated
7 Mar 96, stipulated that members eligible for SGU under section 1967 (a)(l)-(2) of
title 38, United States Code, on 31 Mar 96 with continued eligibility on 1 Apr 96,
would have their SGLl increased to $200,000 effective 1 Apr 96, regardless of any
prior election. Member’s with less than $200,000 coverage applicable in Mar 96,
could avoid any higher premiums provided they completed a new SGLV 8286 in
Apr 96 to retain their previously elected coverage.
All available means (base newspapers, personal cpntact, base bulletiner,
Air Force News Radio, commander c a b , mid-month Mar pay statement, etc.,) were
used to inform the military community of these changes. Members who failed t;o
complete the appropriate documentation to retain the coverage they had prior to
1 Apr 96, in accordance with public law were covered for $200,000. The Office of
Servicemen’s Group Life Insurance was obligated to make payment of these
proceeds to beneficiaries determined by law had these individuals died.
.
:I
c
On 1 Apr 96 the Ukted States Government incurred a debt for all member’s
receiving the increased benefit of $200,000.00 coverage. The authority to waive or
terminate retroactively this coverage rests outside the Department of Defense
channel. The Department of Veterans Mhirs in coordination with its insurance
providers would have to grant such authorization.
RECOMMENDATION Board disapprove the member‘s request for retroactive
termination of SGLI coverage. The member delayed completing a new election form
until Jan 98. This is Cwenty-twoseven months after his coverage was increased.
LESS for the period May 96 through Dec 97 clearly reflect an $18.00 deduction for
$200,000 coverage. It’s our opinion that had member wanted this coverage, he
would have completed the new election form sooner. Consequently, he was covered
from Apr through Nov 96 for $200,000. If he had became a fatality while on active
duty, the proceeds of the $200,000 coverage would have been paid IAW United
States Code, Title 38, Section 1970.
EWHITE JR., MSgt, USAF
Supehtendent, Casualty Services
1
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