PROCEEDINGS

	IN THE CASE OF:       

	BOARD DATE:           10 August 2000                  
	DOCKET NUMBER:   AR2000039755

	I certify that hereinafter is recorded the true and complete record of the proceedings of the Army Board for Correction of Military Records in the case of the above-named individual.  

	Mr. Carl W. S. Chun		Director	
	Mr. Kenneth H. Aucock 		Analyst	

  The following members, a quorum, were present:

	Mr. Mark D. Manning		Chairperson	
	Mr. John Saputo		Member	
	Ms. Karen A. Heinz 		Member	

	The applicant and counsel if any, did not appear before the Board.

	The Board considered the following evidence:

	Exhibit A - Application for correction of military 
                records
	Exhibit B - Military Personnel Records (including
	            advisory opinion, if any)

FINDINGS:

1.  The applicant has exhausted or the Board has waived the requirement for exhaustion of all administrative remedies afforded by existing law or regulations.

2.  In effect, the applicant requests that his DD Form 214 (Certificate of Release or Discharge from Active Duty) be corrected to show Servicemembers’ Group Life Insurance (SGLI) coverage in the amount of $200,000.00 in lieu of $100,000.00 as shown in item 10 of that form.

3.  The applicant made no other statement.  He did submit a leave and earnings statement for the period 1-31 May 1995 showing an $18.00 deduction from his pay for SGLI in the amount of $200,000.00.

4.  The applicant’s military records show that on 4 October 1995 the applicant completed an SGLI certificate, requesting insurance in the amount of $200,000.00.  On 6 July 1995 he signed a statement indicating that he did not want to decrease his insurance protection. 

5.  The applicant received a permanent disability retirement on 15 September 1998.  He had 19 years, 9 months, and 12 days of service.  

6.  On 19 July 2000 an analyst of this agency contacted the SGLI office.  An official at that agency stated that the applicant was receiving insurance protection under the Veterans’ Group Life Insurance (VGLI) in the amount of $100,000.00.  She stated that she could not determine the applicant’s amount of SGLI protection prior to his retirement, but did say that in order to receive the maximum protection of $200,000.00 under the VGLI, an individual would need to have SGLI protection in that amount prior to separation.  That person also stated that an applicant could increase or decrease his SGLI coverage.    

7.  On 20 July 2000 a copy of a leave and earning statement from the online inquiry system was received from the Defense Finance and Accounting Service (DFAS) in Indianapolis.  That statement was for the period 1-31 October 1998 and shows that the applicant had $16.00 deducted from his pay for SGLI.  Also received from the DFAS was a chart showing the current monthly cost for SGLI coverage.  SGLI coverage for $200,000.00 costs $16.00 a month; coverage for $100,000.00 is $8.00 a month.   

8.  Servicemembers’ Group Life Insurance (SGLI) is a program of low cost group life insurance for service members on active duty, ready reservists, etc., and is available in $10,000.00 increments up to the maximum of $200,000.00.  SGLI insureds can convert their full-time SGLI coverage to term insurance under the VGLI program upon release from the service.   

9.  Veterans’ Group Life Insurance (VGLI) is a program of post-separation insurance which provides for the conversion of SGLI to 5-year renewable term insurance.  VGLI is issued in multiples of $10,000.00 up to a maximum of $200,000.00, but not for more than the amount of SGLI the member had in force at the time of separation from service. 
CONCLUSIONS:

1.  The applicant had SGLI protection in the amount of $200,000.00 at the time of his retirement from the service.  His DD Form 214 should reflect that amount of coverage.

2.  In view of the foregoing, the applicant’s records should be corrected as recommended below.

RECOMMENDATION:

That all of the Department of the Army records related to this case be corrected by showing that the individual concerned had SGLI coverage in the amount of $200,000.00 at the time of his retirement.  His 15 September 1998 DD Form 214 should be changed accordingly.   

BOARD VOTE:  

___js___  ___kah___  ___mdm_  GRANT AS STATED IN RECOMMENDATION

________  ________  ________  GRANT FORMAL HEARING

________  ________  ________  DENY APPLICATION

		______________________
		        CHAIRPERSON

INDEX

CASE ID	AR2000039755	
SUFFIX		
RECON	YYYYMMDD	
DATE BOARDED	20000810	
TYPE OF DISCHARGE	(HD, GD, UOTHC, UD, BCD, DD, UNCHAR)	
DATE OF DISCHARGE	YYYYMMDD	
DISCHARGE AUTHORITY	AR . . . . .  	
DISCHARGE REASON		
BOARD DECISION	GRANT 	
REVIEW AUTHORITY		
ISSUES         1.  283	110.00	
2.		
3.		
4.		
5.		
6.