RECORD OF PROCEEDINGS
AIR FORCE BOARD FOR CORRECTION OF MILITARY RECORDS

IN THE MATTER OF:			DOCKET NUMBER:  BC-2015-02207
		
						COUNSEL:  NONE

						HEARING DESIRED:  NO

APPLICANT REQUESTS THAT:

His Servicemembers’ Group Life Insurance (SGLI) premium deductions be corrected to the proper amount.

APPLICANT CONTENDS THAT:

He was overcharged SGLI premiums due to an error on his SGLV 8286 (SGLI Election and Certificate), dated 26 Jul 11.  When filling out the SGLI form, he checked the box indicating he wanted to update his beneficiaries and he did not check the box to increase his SGLI coverage nor did he fill out the corresponding section to increase his coverage.

The applicant’s complete submission, with attachments, is at Exhibit A.

STATEMENT OF FACTS:

The applicant is currently serving in the Regular Air Force in the grade of captain (O-3). 

On 14 Apr 11, the applicant completed an SGLV 8286, Servicemembers’ Group Life Insurance Election and Certificate, indicating a coverage amount of $50,000 with his mother as the beneficiary. 

On 26 July 11, the applicant completed a new SGLV 8286 changing his beneficiary to his mother and father; however, he did not check the box to request an increase in the coverage amount.

On 16 Dec 13, the applicant completed a new SGLV 8286 and indicated he wanted to increase the SGLI coverage by marking the “Increase or restore my SGLI coverage to” box and completed the health questions required to increase SGLI coverage.

The remaining relevant facts pertaining to this application are described in the memorandum prepared by the Air Force offices of primary responsibility (OPR), which is included at Exhibit C.

AIR FORCE EVALUATION:

AFPC/DPFCS recommends granting the applicant’s request, indicating there is evidence of an error or injustice.  On 14 Apr 11, the applicant completed an SGLV 8286 indicating a coverage amount of $50,000 with his mother as the beneficiary.  This is a clear request to reduce automatic full coverage to the $50,000 level.

On 26 Jul 11, the applicant completed a new SGLV 8286 changing his beneficiary to his mother and father.  However, the SGLV 8286 had the wrong coverage amount on the form ($400,000 in the Current Amount of SGLI Coverage block instead of $50,000).  It is clear that there was no intention on the member’s part to increase his coverage because he did not check the “Increase or restore my SGLI coverage to” box nor did he complete the health questions required to increase the SGLI coverage.  Even though there is a “MILPDS UPDATED” stamp on this form, the SGLI coverage amount was not updated at this time because the SGLI premiums stayed at the $50,000 level.

On 16 Dec 13, the applicant completed a new SGLV 8286 and indicated he wanted to increase the SGLI coverage by marking the “Increase or restore my SGLI coverage to” box and completing the health questions required to increase SGLI coverage.  This change led to a MILPDS update changing the SGLI coverage amount to $400,000; however, the MILPDS update erroneously used the effective date of Jul 11 causing premiums to be charged back to that date instead of using the proper date of Dec 13.

A complete copy of the AFPC/DPFCS evaluation is at Exhibit C.

APPLICANT'S REVIEW OF AIR FORCE EVALUATION:

A copy of the Air Force evaluation was forwarded to the applicant on 4 Mar 16 for review and comment within 30 days (Exhibit D).  As of this date, no response has been received by this office.

THE BOARD CONCLUDES THAT:

1.  The applicant has exhausted all remedies provided by existing law or regulations.

2.  The application was timely filed.

3.  Sufficient relevant evidence has been presented to demonstrate the existence of an error or injustice.  We took notice of the applicant's complete submission in judging the merits of the case and agree with the opinion and recommendation of the Air Force OPR and adopt its rationale as the basis for our conclusion the applicant has been the victim of an error or injustice.  Therefore, we recommend the applicant's records be corrected as indicated below.	

THE BOARD RECOMMENDS THAT:

The pertinent military records of the Department of the Air Force relating to the APPLICANT be corrected to show that, on 26 July 2011, he completed a SGLV 8286, Servicemembers’ Group Life Insurance Election and Certificate, electing a coverage amount of $50,000 with his mother and father as the beneficiary.

The following members of the Board considered AFBCMR Docket Number BC-2015-02207 in Executive Session on 14 Jun 16 under the provisions of AFI 36-2603:

				  , Panel Chair
				   , Member
				    , Member

All members voted to correct the records as recommended.  The following documentary evidence was considered:

	Exhibit A.  DD Form 149, dated 7 May 15, w/atchs.
	Exhibit B.  Applicant's Master Personnel Records.
	Exhibit C.  Memorandum, AFPC/DPFCS, dated 29 Feb 16.
	Exhibit D.  Letter, AFBCMR, dated 4 Mar 16.

Pursuant to paragraph 1 of AFI 36-2603 (Title 32 Code of Federal Regulations, Part 865.1), it is certified that a quorum was present at the Board's review and deliberations, and that the foregoing is a true and complete record of the Board's proceedings in the above entitled matter.