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Rights and Benefits of Divorced Spouses in the Military

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Ease the time, expense and emotional strain of divorce by learning about unique legal issues due to military service. Here are some items to consider as you move through this process. Be sure to contact your legal assistance center by using the Armed Forces Legal Services Locator for more information on your specific circumstances.

Military legal assistance

Free military legal assistance services are available through the installation legal assistance offices. In a divorce or family law matter, services may include:

  • Mediation
  • Separate legal assistance attorneys for the service member and spouse
  • Advice on legal issues, including divorce and child custody, income taxes, the Servicemembers Civil Relief Act and wills
  • Notary services

Learn more about managing the divorce process »

Servicemembers Civil Relief Act

The Servicemembers Civil Relief Act applies to military service members and may affect divorce proceedings. Protections include:

  • A “stay” or postponement of a civil court or administrative proceeding if the service member proves they are unable to attend because of duty
  • Certain protections on default judgments for failure to respond to a lawsuit or failure to appear at trial

Learn more about the SCRA »

The Uniformed Services Former Spouse Protection Act

The Uniformed Services Former Spouse Protection Act is a federal law that provides certain benefits to former spouses of military members. An unremarried former spouse may receive medical, commissary, exchange and theater privileges under the Morale, Welfare and Recreation program if they meet the requirements of what is known as the 20/20/20 rule:

  • The former spouse was married to the military member for at least 20 years at the time of the divorce, dissolution or annulment.
  • The military member has performed at least 20 years of service that is creditable in determining eligibility for retired pay (the member does not have to be retired from active duty).
  • The former spouse was married to the member during at least 20 years of the member’s retirement-creditable service.

Former spouses may be entitled to TRICARE medical coverage if they meet certain requirements:

  • The service member performed at least 20 years of creditable service.
  • The marriage lasted at least 20 years.
  • The period of the marriage overlapped the period of service by at least 15 years.

Under the 20/20/15 rule, the former spouse does not have access to the military exchange, installation privileges or commissary privileges.

The Uniformed Services Former Spouse Protection Act:

  • Allows state courts to divide disposable military retired pay between the service member and spouse
  • Allows former spouses to receive a portion of retired pay directly from the government in some circumstances
  • Grants some former spouses access to health care at military treatment facilities
  • Grants some former spouses access to military exchanges and commissaries
  • Grants benefits to some victims of spousal or child abuse

The Uniformed Services Former Spouse Protection Act does not:

  • Require courts to divide military retired pay
  • Establish a formula for dividing military retired pay
  • Award a predetermined share of military retired pay to former spouses
  • Place a ceiling on the percentage of disposable retired pay that may be awarded
  • Require an overlap of military service and marriage as a prerequisite to division of military retired pay as property

The Uniformed Services Former Spouse Protection Act prevents a court from treating retired pay as the property of the service member and spouse unless the court has jurisdiction over the service member based on the service member’s:

  • Residence, other than because of a military assignment
  • Domicile
  • Consent to the court’s jurisdiction

Direct payment of retired pay may be made to a former spouse from the military pay centers if there’s a court order or a property settlement that was ordered, ratified or approved by the court, and if the final order specifically provides that payment is to be made from disposable retired pay for one of the following:

  • Child support
  • Alimony
  • Division of retired pay as property if the former spouse was married to the member for 10 years or more, during which time the member performed 10 years or more of creditable service, and the order expresses payment in dollars or a percentage of the member’s disposable retired pay

Direct payments will terminate on these events, whichever comes first:

  • Terms of the court order are satisfied
  • Death of the retired service member
  • Death of the former spouse

The former spouse must send the following items to the designated agent of the member’s uniformed service:

  • Signed DD Form 2293, “Application for Former Spouse Payments from Retired Pay”
  • A copy of the court order
  • Other accompanying documents that provide for payment of child support, alimony or division of property, certified by an official of the issuing court within the previous 90 days

Notification to the designated agent can be made by:

  • Regular mail
  • Email
  • Fax
  • Certified mail

No later than 30 days after effective service, the Defense Finance and Accounting Service:

  • Will send a written notice to the affected member at the last known address
  • Will consider any response received from the service member
  • May reject any request for direct pay that doesn’t satisfy requirements
  • Won’t honor the court order whenever it’s shown to be defective, modified, superseded or set aside

No later than 90 days after effective service, DFAS will make payment to the former spouse and inform them of the amount to be paid, or send the former spouse an explanation of why the court order wasn’t honored.

Under the Uniformed Services Former Spouse Protection Act, a former spouse can be designated as a Survivor Benefit Plan beneficiary if the spouse was previously listed as a spouse beneficiary, with the following considerations:

  • Voluntary or court-ordered designation
  • Divorce after retirement: The former spouse’s coverage will be the same amount as the spouse coverage.
  • Divorce before retirement: The specific coverage level should be directed by court order.
  • Former spouse remarriage before age 55: Eligibility as a beneficiary is lost unless the remarriage ends, and then eligibility is restored.

Effect of divorce on military benefits

You may retain your identification card and continue to receive your commissary, exchange and health care benefits until your divorce is final regardless of whether you meet the 20/20/20 rule. Here are some additional issues to consider:

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  • Installation housing — You will typically lose installation family housing within 30 days of the service member or other family members moving out due to a divorce.
  • Moving costs — The military may pay the moving expenses of the nonmilitary spouse returning home from an overseas duty station. The divorcing parties could negotiate the cost of an in-state move as part of the settlement.
  • Health care benefits — When you lose TRICARE benefits because of divorce, you can buy up to 36 months of temporary health care coverage through the Department of Defense Continued Health Care Benefit program. Learn more through the TRICARE website. Eligible biological and adopted children of the service member may receive TRICARE benefits up to age 21 (or age 23 if enrolled in college).
  • Spousal and child support — Each military service has policies requiring service members to support family members upon separation in the absence of an agreement or court order. These policies are designed to be temporary. A commander’s authority is limited without a court order. You must send the court order to the Defense Finance and Accounting Service directing the government to pay monies for support or alimony. Learn more on the DFAS website.

Divorce overseas

A divorce filed overseas can be more complicated than if the couple files with a state.

A U.S. court may not recognize a divorce filed overseas, so it’s best to file in the United States. Military divorce laws allow service members and their spouses to file for divorce in:

  • The state where the nonmilitary spouse resides
  • The state where the service member is currently stationed
  • The state where the service member claims legal residency. This state retains the power to divide the military pension.

Some things to consider when filing for divorce while living overseas include:

  • Talk with a civilian attorney or the military legal assistance office if you own property overseas, such as a house.
  • Family members and their property can be brought home at government expense before the service member’s tour of duty ends.

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