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I am insured under SGLI. My spouse is retired and is now insured under VGLI. Can my spouse be insured under both SGLI and VGLI? Will my spouse be required to pay premiums for both SGLI and VGLI?

Published 08/13/2012 08:50 AM   |    Updated 08/13/2012 10:23 AM
I am insured under SGLI. My spouse is retired and is now insured under VGLI. Can my spouse be insured under both SGLI and VGLI? Will my spouse be required to pay premiums for both SGLI and VGLI?

Yes. Your spouse can be insured under both SGLI spousal coverage and his or her own VGLI coverage. Unless you decline coverage for your spouse, he or she will automatically be insured under SGLI spousal coverage and will also be able to maintain his or her own VGLI coverage.

Your spouse will not pay premiums for his or her spousal coverage. It is important to understand that family insurance coverage belongs to the SGLI insured member and not to the spouse. Premiums for spousal coverage will be deducted from your pay. If your spouse maintains VGLI coverage, he or she will need to continue to pay VGLI premiums.