跳转到主要内容

Overview

军人 & Families

Before purchasing any insurance policy, ask the agent specific questions about how the 公司处理与他们的投保人的军事部署相关的问题. 每个公司的 实践可以改变. 比较不同保险公司的价格和服务水平. By shopping around, you may be able to find an insurer who specializes in needs of service members.

Before you leave on a military deployment, check your policy renewal date and payment terms with your agent to ensure your coverage will remain in effect during deployment. 如果有必要,你 may be able to renew a policy early or have your premiums paid by automated bank draft. 一些保险 公司还可能允许您在部署期间暂停某些保险.

为了帮助军人更好地了解他们的保险需求,国家 保险专员协会提供有关汽车的提示和考虑, home, health and 人寿保险.

军用汽车保险的考虑

  • 如果你将被部署一段时间并且没有 one will be driving your vehicle, you may be able to suspend some of your auto insurance 保险以节省保费. 并不是所有的州或保险公司都能做到这一点 保单将被暂停.
  • 如果你想暂停汽车保险,十大网络彩票平台大全你的代理人 state insurance department for the specific laws and policy limitations applicable in your state. 您可能想问一下,以下几类保险是否可以暂停 you are deployed: liability, collision, uninsured/underinsured motorist, medical payments 和人身伤害保护(PIP).
  • 如果你所在的州要求汽车保险覆盖范围,你可以 need to file an affidavit of non-use with your state's department of motor vehicles to avoid 因未保保险而被罚款. 如果你暂停保险,你可能无法获得保险 追讨由于天气原因造成的车辆损坏的赔偿.e. 冰雹或龙卷风的损害), 天灾(1.e. 地震或洪水)或其他个人的行为,除非你保留 保险范围被称为“全面”或“非碰撞”有效(i.e. vandalism 或打了就跑的).

军队健康保险考虑

  • 许多预备役军人和国民警卫队成员都很健康 通过雇主赞助的健康计划为自己和家人提供保险. Some may wish to continue that coverage, particularly for their dependents, during their active duty period. 与您的福利管理员交谈,了解将发生什么与您的 当你被召去服现役时的医疗保险. 而雇主不需要支付 the cost of health coverage for you and your dependents while you are on active duty, some 雇主可以选择将福利维持在当前水平.
  • 如果你的现役时间超过30天,你和你的 受扶养人应享有军事保健. 受抚养人有医疗和牙医 services provided through uniformed services facilities subject to availability and are eligible for health benefits from civilian sources through the federally funded TRICARE program, the triple option benefit plan available for military families, formerly known as 军警部队平民保健和医疗方案. Contact your 有关这些项目的更多信息.
  • 你继续享受医保的权利 联邦法律涵盖以就业为基础的团体健康计划. 合并综合 Budget Reconciliation Act (COBRA) provides health coverage continuation rights to employees 以及他们的家人之后的活动,比如减少工作时间. The Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) is intended to minimize the disadvantages that occur when a person needs to be absent from civilian employment to serve 在军中服役. COBRA和USERRA通常都允许个人请求 积极履行责任,继续为自己和他们的家属提供保险 以就业为基础的团体健康计划长达24个月. 如果服兵役是30天 or less, you and your family can continue coverage at the same cost prior to your short service. 如果你服兵役的时间较长,你可能需要支付一个 hundred percent of the full premium plus a two percent administration fee to continue this 为你或你的家人提供保险. 你应该收到你的计划的通知解释你的 rights.
  • 健康保险便携性和责任法案 (HIPAA) may give you and your family rights to enroll in other group health plan coverage if it is available to you (for example, if your spouse's employer sponsors a group health plan). 你和你的家人有机会在计划官方之外注册 入学时间. 然而,为了符合资格,你必须申请加入另一个计划(为了 example, your spouse's plan) within 30 days of losing eligibility for coverage under your 雇主的计划. 在要求特殊登记后,必须提供医疗保健计划 provide coverage no later than the first day of the first month following your enrollment request. 如果你在现役超过30天,保险覆盖在另一个计划通过 special enrollment can be cheaper than continuation coverage because the employer often pays 一部分保险费. 当考虑你的健康保险选项时,你应该检查 scope of the coverage including: benefit coverage and limitations, visit limits, dollar limits, cost of premiums, cost-sharing (including co-payments and deductibles) and coverage 等待时间.
  • 个人保单可用于您的家庭成员. But speak with your agent as there is a war exclusion that might make coverage for the military 人员无效. 你是否应该购买以军事为重点的个人政策,与你的 agent to make sure it does not duplicate coverage for your family that could be obtained elsewhere.

军事家庭保险考虑

  • 许多房主的保单可能会有“空置条款” triggered if you are deployed for an extended period of time and your family has moved to a new location. 如果你的房子空了60天,这类保单可能不会支付索赔 more. 如果房子里没有人住而且没有家具,那房子就被认为是空的 当房子有家具,但没有人住时,就被认为是空置的. Some companies offer an endorsement that specifically allows coverage for your house to continue, 即使职位空缺时间延长. 与你的保险公司协商 了解它是如何定义“空置”的,以及对空置房屋的索赔是否会得到支付.
  • 这是一个好主意,审查你的房主政策与你的 探员,在你去服兵役之前. 这样做可以帮助你避免纠纷 future. 还要确保你的政策限制足以覆盖你的家庭和你的家庭 以今天的代价换取个人财产. 考虑增加你的保险,如果你做了 增加或改进您的财产.
  • 而房主和租房者通常都有保险 保护你旅行时随身携带的个人财产,大多数保险不包括在内 战争行为直接或间接造成的损害. 军方一般不会付钱给 repair or replace property that is damaged or lost in military housing or in a war zone. 和你的经纪人谈谈你在旅行期间是否携带了个人物品 如果他们丢失,被盗或损坏,部署将被覆盖.

军队人寿保险的考虑

  • 任何在军事设施卖人身保险的人都是 required to obtain permission from the Department of Defense to be an authorized solicitor. 这样的个人还必须有州十大网络彩票平台大全的执照. When dealing with an agent, ask to see his/her permits and licenses to be sure you are dealing with a 合法的个人.
  • 目前,许多私营保险公司不提供这项服务 《推荐全球十大网赌正规平台》的保险. 军事人员可获得一些死亡抚恤金,但也有可能 购买有限数量的额外保险通过 服务成员的组 人寿保险(SGLI)这是一个低成本的团体人寿保险项目,包括 因战争行为而死亡的抚恤金. 一定要了解公司的福利 the policy if you were to die in a war zone or were to be killed through an act of war. If you purchase an individual military-focused policy, check with your agent to make sure it 您的家庭是否有其他地方可以获得的重复保险.
  • 服务人员可以十大网络彩票平台大全他们的航班,工资单和/或 有关保费支付和退款问题的进一步细节,请向财务处查询. 服务成员和 their beneficiaries should contact the Office of 服务成员的组 人寿保险 (OSGLI).

FAQ & Questions

Questions? 我们会帮你的.

What is SGLI?

SGLI是一个低成本团体定期人寿保险计划 automatically available to all servicemembers on active duty, active duty for training or 非现役训练人员和预备役人员. 这个策略是自动的 activated for a coverage amount of $400,000, the maximum amount of coverage, unless the 军人以书面形式选择退出. 此外,指定受益人现在收到一份 如果有军人在服役期间死亡额外支付10万美元. 一个servicemember 是否可以通过填写VA表格SGLV-8286来选择承保范围较低或不承保. Coverage is available for spouses; dependent children are automatically insured for $10,000. When released from active duty or the Reserve, members with full-time SGLI coverage can convert their coverage to Veterans Group 人寿保险 or to an individual 人寿保险 policy. 点击下面的链接,了解更多关于SGLI和VGLI的军事政策 servicemembers.

有关SGLI和VGLI资格、福利和更多信息 保费免费拨打1-或访问 退伍军人事务部.

我需要多少人寿保险?

有一种人寿保险的计算工具 退伍军人事务部.

如果我的政策有漏洞,或者发生了 我不在时取消了?

重要的是你要做好准备 在部署期间及时支付的保险费. 如果你的保险公司取消 your policy for failure to pay your premium on time - or for any other legal reason – you will likely have trouble getting a new insurance policy and, when you do find a company 如果你愿意为你投保,你可能需要支付更高的利率. 许多公司会拒绝 为那些在保险范围内有失误的司机投保. 如果你的保险失效了 超过30天,公司可能会向你收取更高的保费.

我应该委托委托书吗?

委托书是一种特殊的法律名称 授权某人代表你在保险、财务、个人或法律方面行事 matters. 如果您被部署,您可能想要考虑将授权书指派给 配偶、家庭成员或信任的朋友. 授权委托书,你和那个 你指定的个人必须在公证人面前签署一份表格. 问问你的基地人员 办公室约在哪里找公证人. 你也可以在你的 在你所在地区寻找公证员的本地电话簿.

我的人寿保险有战争险吗?

对武装部队成员的一个重要说明包括 通常包括在人寿保险单中的条款. 如果你选择退出或者 decided to purchase additional 人寿保险 outside of the SGLI/VGLI military offered life 保险计划,你应该查看保单的排除条款. Many life insurance policies include a “war exclusion” provision that specifically states benefits 如果死亡是由战争或军事力量的行动造成的,不应支付. The 军人团体人寿保险(SGLI)及退伍军人团体人寿保险(VGLI) 政策没有这种类型的排除. 此外,许多人寿保险也有保单 包含关于任何非商业飞机旅行的排除条款.

在你购买之前问一下这些问题.

Ask yourself

  • 我真的需要比目前SGLI计划提供的更多吗?
  • 有人在经济上依赖我吗?
  • 我能为家庭提供多少收入?
  • 我死后,我的家人将如何偿还债务?
  • 我死后要交遗产税吗?
  • 通货膨胀将如何影响未来的需求?