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Thread: 20/20 Rule

  1. Fresh Newbie
    lovesflowerstoo's Avatar
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    Apr 2009

    20/20 Rule

    Can someone explain to me the 20/20 rule for spouse insurance? Or is this something I dreamed up?
  2. Senior Member
    ily.mmw's Avatar
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    What the heck is the 20/20 rule?

  3. MilitarySOS Jewel
    His*PITA*'s Avatar
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    Somewhere over a rainbow

    never heard of it...
  4. Account Closed
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  5. Senior Member
    Allyssa's Avatar
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    I've never heard of it.
  6. Senior Member
    I'm Boom's Avatar
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    Oct 2008
    Say wha'?

  7. MilitarySOS Jewel
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  8. Account Closed
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    yea never heard of it before
  9. Pass the Chocolate
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    It's a divorce "rule" under the Former Spouse Protection Act.

    Basically it's this--(but is still subject to divorce orders I think)
    The USFSPA also permits former spouses to continue receiving commissary, exchange, and health care benefits after a divorce in certain cases. In order to qualify for continued benefits a former spouse must show that the service member served at least 20 years of creditable service, that the marriage lasted at least 20 years and that the period of the marriage overlapped the period of service by at least 20 years. A former spouse who meets these requirements is known as a 20/20/20 former spouse and is entitled to full commissary, exchange and health care benefits. These benefits include TRICARE and inpatient and out-patient care at a military treatment facility. Former spouses who do not meet these requirements lose their commissary and exchange privileges once the divorce is final.

    In cases where the servicemember served 20 years of creditable service, the marriage lasted 20 years, but the period of the marriage overlapped the period of service by only 15 years the former spouse is entitled to full military medical benefits only for a transitional period of one year following the divorce. After this year of coverage, the spouse may purchase a DOD-negotiated conversion health policy. Full coverage also requires that the former spouse does not remarry nor enroll in an employer-sponsored health insurance plan. Former spouses who are neither 20/20/20 nor 20/20/15 former spouses are not entitled to any military health benefits after a divorce. But they are eligible for the DOD Continued Health Care Benefit Program, a premium based temporary health care coverage program for 36 months of coverage until alternative coverage can be obtained, if they enroll within 60 days of losing full military health care benefits


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