IN THE CASE OF:  

		BOARD DATE:  January 14, 2020

		DOCKET NUMBER:  AR20170001724


APPLICANT REQUESTS:  waiver of a $702.00 debt resulting from servicemembers’ 
group life insurance (SGLI).

APPLICANT'S SUPPORTING DOCUMENTS CONSIDERED BY THE BOARD:
DD Form 149 (Application for Correction of Military Record).  

FACTS:

1.  The applicant did not file within the three year time frame provided in Title 10, United 
States Code, section 1552(b); however, the ABCMR conducted a substantive review of 
this case and determined it is in the interest of justice to excuse the applicant's failure to 
timely file.

2.  The applicant states he declined SGLI coverage

3.  Review of the applicant’s service records shows: 

	a.  He enlisted in the U.S. Army Reserve on 2 November 2007.  

	b.  On 14 September 2008, he was transferred to Headquarters and Headquarters 
Company, XXth X__ X__ Command, Fort X___, XX.

	c.  He entered active duty on 9 November 2009; however, he was honorably release 
from active duty some 5 months and 6 days later on 15 April 2010. 

	d.  On release from active duty, he was transferred back to the 468th Chemical 
Battalion, Little Rock, AR. 

	e.  No other documents (assignment, reassignment, discharge, separation, etc) exist 
in his file beyond his release from active duty 

4.  The Army G-1 reviewed his case and rendered an advisory opinion on 25 November 
2019.  The Army G-1 advisory official stated the applicant asks for relief of a $702 debt 
for SGLI premiums based upon the claim that he had declined coverage.  He states he 
is unsure of the date he declined coverage and provided no evidence to support his 
claim.  Since the applicant is living, Casualty and Mortuary Affairs Operations Division 
cannot ask Prudential Insurance for a reimbursement on his behalf.  This debt must be 
paid or debt relief must be negotiated by him and Prudential Insurance, Office of 
Servicemembers' Group Life Insurance.

5.  The applicant was provided with a copy of this advisory opinion to give him an 
opportunity to submit a rebuttal.  He did not respond. 

6.  SGLI is a program that provides low-cost term life insurance coverage to eligible 
members of the uniformed services.  SGLI is a group life insurance policy purchased by 
the Department of Veterans Affairs (VA) from a commercial life insurance company. 
(Prudential).  SGLI coverage is available in $50,000 increments up to the maximum 
amount of $400,000.  Servicemembers are automatically insured for the maximum 
coverage amount of $400,000 unless they decline coverage or elect a reduced amount. 
If eligible, service members are automatically issued the maximum SGLI coverage.  
Servicemembers can make changes to your SGLI coverage.  For example, 
Servicemembers can decline SGLI coverage, select a lesser amount than maximum 
coverage, designate beneficiaries, and/or make other changes.

BOARD DISCUSSION:

After reviewing the application and all supporting documents, the Board found relief was 
not warranted.  The Board determined that if the applicant could provide corroborating 
evidence to support his statement that coverage was declined, the Board would 
reconsider.  However, based upon the current available documentary evidence, the 
Board found that insufficient evidence was available to show that there was an error or 
injustice which would warrant a correction to the record.

BOARD VOTE:

Mbr 1	Mbr 2	Mbr 3

:	:	:	GRANT FULL RELIEF

:	:	:	GRANT PARTIAL RELIEF

:	:	:	GRANT FORMAL HEARING

X	X	X	DENY APPLICATION




BOARD DETERMINATION/RECOMMENDATION:

The evidence presented does not demonstrate the existence of a probable error or 
injustice.  Therefore, the Board determined the overall merits of this case are insufficient 
as a basis for correction of the records of the individual concerned.

		  
I certify that herein is recorded the true and complete record of the proceedings of the 
Army Board for Correction of Military Records in this case.

REFERENCES:

1.  Title 10, United States Code, section 1552(b), provides that applications for 
correction of military records must be filed within 3 years after discovery of the alleged 
error or injustice.  This provision of law also allows the ABCMR to excuse an applicant's 
failure to timely file within the 3 year statute of limitations if the Army Board for 
Correction of Military Records (ABCMR) determines it would be in the interest of justice 
to do so.

2.  SGLI is a program that provides low-cost term life insurance coverage to eligible 
members of the uniformed services.  SGLI is a group life insurance policy purchased by 
the Department of Veterans Affairs (VA) from a commercial life insurance company. 
(Prudential).  SGLI coverage is available in $50,000 increments up to the maximum 
amount of $400,000.  Servicemembers are automatically insured for the maximum 
coverage amount of $400,000 unless they decline coverage or elect a reduced amount. 
If eligible, service members are automatically issued the maximum SGLI coverage.  
Servicemembers can make changes to your SGLI coverage.  They can decline SGLI 
coverage, select a lesser amount than maximum coverage, designate beneficiaries, 
and/or make other changes. 

//NOTHING FOLLOWS//
ABCMR Record of Proceedings (cont)	 AR20170001724


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ARMY BOARD FOR CORRECTION OF MILITARY RECORDS

RECORD OF PROCEEDINGS


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