Dear ,  
 
This is in reference to your application for correction of your naval record pursuant to Section 1552 of Title 10, United States Code.  After careful and conscientious consideration of relevant portions of your naval record and your application, the Board for Correction of Naval Records (Board) found the evidence submitted insufficient to establish the existence of probable material error or injustice.  Consequently, your application has been denied. 
 
A three-member panel of the Board, sitting in executive session, considered your application on 14 January 2021.  The names and votes of the members of the panel will be furnished upon request.  Your allegations of error and injustice were reviewed in accordance with administrative regulations and procedures applicable to the proceedings of this Board.  Documentary material considered by the Board consisted of your application, together with all material submitted in support thereof, relevant portions of your naval record and applicable statutes, regulations and policies. 
 
You requested to decline participation is Survivor Benefit Plan (SBP) coverage.  The Board, in its review of your entire record and application, carefully weighed all potentially mitigating factors, to include your assertions.  However, the Board concluded that Department of Defense Financial Management Regulation 7000.14-R outlines the requirements for SBP elections.  Specifically, elections must be made prior to retired pay becoming payable and the election to participate in or decline SBP is irrevocable.  A review of your record indicates you signed DD Form 2656, Data for Payment of Retired Personnel on 6 February 2017 and elected SBP Natural Person of Insurable Interest (your mother) at the full gross pay level of coverage.  Thereafter you transferred to the Fleet Reserve effective 1 May 2017.  Subsequently you submitted DD Form 2656-2, Survivor Benefit Plan (SBP) Termination Request on or about 2 January 2020 and SBP coverage was terminated effective 1 February 2020.  By signing the aforementioned termination request, you acknowledged no premiums would be refunded as a result of terminating coverage.     
 
You are entitled to have the Board reconsider its decision upon submission of new matters, which will require you to complete and submit a new DD Form 149.  New matters are those not previously presented to or considered by the Board.  In this regard, it is important to keep in mind that a presumption of regularity attaches to all official records.  Consequently, when applying for a correction of an official naval record, the burden is on the applicant to demonstrate the existence of probable material error or injustice.   
 
   Sincerely,