Certificate of Indebtness

							Navy Pay Personnel Support Center
      (NPPSC) Training N143




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Family Servicemembers’ Group
   Life Insurance (FSGLI)




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         FSGLI REFERENCES

 NAVADMIN 281/01 &
 NAVADMIN 232/05 (PARA 1-3)


 MILPERSMAN ARTICLE 1741-030


 DOD FSGLI WEB SITE USER MANUAL


 PROCEDURAL GUIDE FOR FSGLI
 COVERAGE
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            FSGLI BACKGROUND

 PUBLIC LAW 107-14 instituted;
MANDATORY FSGLI coverage
effective 01 NOV 2001.
  In order to comply with this mandate, DOD pays
 FSGLI premiums then recoups those premiums
 from members via monthly automatic payroll
 deduction.
 Payroll deductions are facilitated using spouse
 and dependent children data (Name, DOB, DOM)
 in Defense Enrollment Eligibility Reporting System
 (DEERS).

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                           FSGLI/SGLI

FSGLI –                           SGLI –
   PREMIUMS PAID BY MEMBER FOR      PREMIUMS PAID BY MEMBER FOR
    SPOUSE COVERAGE                   SELF COVERAGE

   MEMBER IS THE ONLY
    BENEFICIARY                      MEMBER MAY DESIGNATE
                                      SEVERAL BENEFICIARIES
   PREMIUMS INCREASE WITH THE
    AGE OF SPOUSE                    PREMIUMS ARE CONSISTENT
                                      REGARDLESS OF AGE
   COVERAGE BEGINS FROM DOM
    ONCE SPOUSE IS RECORDED IN
    DEERS                            COVERAGE BEGINS FROM ADSD
                                      ONCE MEMBER IS GAINED TO
                                      NAVY
   AUTOMATIC COVERAGE UNLESS
    REDUCED/DECLINED BY MEMBER
                                     AUTOMATIC COVERAGE UNLESS
   DEPENDENT CHILDREN ARE            REDUCED/DECLINED BY MEMBER
    AUTOMATICALLY COVERED, FREE
    OF CHARGE



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                    FSGLI
                INDEBTEDNESS

  In 2007, DOD discovered that they
  had paid over $25M more than they
  had collected in FSGLI premiums.
 Furthermore, DOD identified the military-
  to-military married population as the
  largest group where deductions were not
  being taking out for FSGLI premiums
  because of missing spouse data in
  DEERS.
 As of Mar 09 - Over 8,000 new incidents of
  spouses not enrolled in DEERS
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         REASONS FOR MEMBER
            INDEBTEDNESS

 FAILURE TO DECLINE COVERAGE
 CONTINUES SPOUSE COVERAGE
 AND A DEBT FOR PAST DUE
 PREMIUMS INCURS.

 NOT ENROLLING SPOUSE (EVEN
 MILITARY SPOUSE) IN DEERS WILL
 RESULT IN FSGLI COVERAGE
 WITHOUT DEDUCTED PREMIUMS.
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EDUCATING SAILOR IS THE KEY TO PREVENT
           SGLI INDEBTNESS




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       WHAT YOU NEED TO KNOW:

 For FSGLI corrections, DEERS enrollment requirements include
  members who may have divorced a military spouse. (i.e. previously
  married MIL-to-MIL and subsequently divorced after Nov 2001).
     This requires divorced members to produce a marriage certificate
      and divorce decree so that the FSGLI debt can be computed.


 FSGLI transactions can only be processed if spouse data is in DEERS.


 MIL-to-MIL members may not understand the requirement to enroll
  their spouses in DEERS.
     To avoid an indebtedness, they must enroll in DEERS.
     Changing the page 2 will not update DEERS, the only way to
      update is through DEERS site.




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          PERSONNEL/PAY ACTIONS

 EDUCATE NEWLYWEDS ON THE FSGLI PROGRAM,
  ESPECIALLY THE REQUIRMENT TO UPDATE DEERS
  (TO AVOID OVERPAYMENT)


 UPDATE THE PG 2
  (Note: The Pg 2 has a statement the member must sign
  acknowledging his/her requirement to update the DEERS
  database with family member info.)


 VERIFY MEMBER‟S FSGLI ACCOUNT WITH THE
  MEMBER DURING PG 2 CHANGES


 PROCESS SGLV 8286As IMMEDIATELY IAW FSGLI WEB
  APP USER GUIDE
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         DISCREPANCY RESOLUTION

 Original 8286A must be submitted in order to end/terminate
   obligation for FSGLI coverage. (e.g. if 8286A signed
   terminating coverage NOV 01 but not processed due to admin
   error, terminate coverage effective current month and
   scan/email the original 8286A to BUPERS 26).
   - After validation of documentation, action will be taken to
   correct termination date to coincide with member‟s election.


 Backdating 8286A constitutes attempt to defraud U. S.
   Government and will result in prosecution/UCMJ actions.

 Cases involving a prior marriage and a current marriage
   require BUPERS 26 intervention in order to resolve.




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                   FSGLI WEB APP LINKS

 http://www.npc.navy.mil/CommandSup
   port/CasualtyAssistance/FSGLI/FSGLI
   _Web_Access_New_Procedures.htm
 https://www.dmdc.osd.mil/appj/fa
   milysgli/index.jsp
 http://www.npc.navy.mil/CommandSup
   port/CasualtyAssistance/FSGLI/
Point of Contact at BUPERS 26: LCDR RICKY D. SMALL
ricky.small@navy.mil
Comm:(901) 874-4170 DSN: 882-4170
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Post-9/11 GI Bill




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                          Post-9/11 GI Bill

   New Post-9/11 Veterans Educational Assistance Program (Chapter 33)
    takes effect 1 August 2009.
     •   No „buy-in‟
     •   Maximum benefit not to exceed the most expensive in-state
         undergraduate tuition of public institution of higher education in
         the state of attendance. For example, if the University of “X”
         tuition is $8K per year, that is the max payable amount.
     •   Payment is made to institution vice individual.
     •   Benefits payable include stipend for books and housing
         allowance.
         - Not payable while on active duty
         - Housing allowance not payable for half-time or less or for
         distance learning
   Benefits are transferable to spouse or children, pending DoD
    guidance.
     •   Must have 6 years of active duty and agree to serve 4 more years,
         or the amount determined by DoD.

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              (cont‟d) Post-9/11 GI Bill

 What this means to personnel and pay offices.
    • Minimal personnel and disbursing involvement in new program.
    • Members may be asking to stop MGIB (Chap 30) deduction.
      DoD will issue guidance for „election‟ of Chap 33 and stoppage
      of $100 per month deduction.
    • Members may stop their “booster” deduction. It is their
      prerogative. No refunds.
    • Chapter 30 is still in effect and MGIB declinations must still be
      processed.
 What personnel and pay offices can do in the meantime.
    • Monitor and refer members to the VA‟s website for information
      and updates.
    • As of 8 April 09, they have still not started to accept
      applications for the Post-9/11 GI Bill


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For more information Visit or call the number
 below:
http://www.gibill.va.gov/S22/Post_911_Factsheet.pdf
Call 1-888-442-4551




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