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In the Spotlight
Former Spouse Protection Act
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Survivor Benefit Program
Costs and Benefits
Former Spouse and Children
Spouse/Former Spouse and Children
Child coverage may be added to spouse or former spouse coverage. In this case, SBP payments will be made to the children if the surviving spouse or former spouse dies or otherwise becomes ineligible for the annuity. Eligible children divide the annuity equally.
When you include child coverage with former spouse coverage, only your children of that former spouse are covered. Any other children will not be paid benefits under this option. In the child only option or when you include children with spouse (not former spouse) coverage, all of your children are covered.
The cost of child coverage that is in conjunction with spouse or former spouse coverage is the sum of spouse/former spouse coverage and an additional cost for the child. The additional child portion of the cost is based upon
your spouse/former spouse's age
and your youngest covered child's age
The tables below (effective as of January 1, 2010) show the monthly cost of the child portion of spouse (former spouse) and child coverage per $1,000 of covered retired pay. These tables show costs for differing ages of the youngest child. This cost is in addition to the cost for your spouse (former spouse) coverage.
**Youngest Child 5
Example: If you are age 45, your spouse is age 35, and your youngest child is age 5 at the time of your retirement the cost per $1,000 of covered retired pay is 62 cents.
**Youngest Child 10
Example: If you are age 45, your spouse is age 45, and your youngest child is age 10 at the time of your retirement the cost per $1,000 of covered retired pay is 18 cents.
**Youngest Child 15
Example: If you are age 45, your spouse is age 40, and your youngest child is age 15 at the time of your retirement the cost per $1,000 of covered retired pay is 7 cents.
If your spouse dies or you divorce and choose not to continue with former spouse coverage, then your premium will be changed to the higher children only coverage based on your age and your youngest child's age at the time the election is changed.