Conference repair::reserve_forces

Does the "war clause" in the our life insurance policy invalidate 
the coverage?

The military leave policy appears to handle the payroll issue, however
doesn't the Soldiers & Sailors Civil Relief Act specify that an activated
service member when re-instated is provided all raises & promotions that 
would have normally occurred during the period of active duty? A long term
leave of absence does not seem to apply.

    Hmmmm, the way that form is written up it is obviously intended as a
    legal document.  Any lawyers out there who could comment on whether
    terms and conditions in such would supercede a statute such as the 
    Soldiers and Sailors Act?  
    
    I don't know how eager I would be to give up the benefits under the Act 
    in exchage for 13 weeks pay differential and medical coverage for the wife 
    for a year.  That is, if that is indeed the case.
    
    Len

    Could someone further elaborate on the Soldier's and Sailor's Act?? 
    I've heard of it before but do not know what it states..  Also, re .1,
    would our life insurance be invalidated??  It says in the "Agreement"
    that:
    
      "Digital further agrees to provide Employee and Employee
       dependents with continued coverage for the period under
       Digital's medical, dental, and life insurance programs...."
    
                          ken
    
     

>       "Digital further agrees to provide Employee and Employee
>       dependents with continued coverage for the period under
>       Digital's medical, dental, and life insurance programs...."

 	
        Someone correct me hear if I'm wrong.  Your company must provide
    you with the ability to maintain your present insurance.  I believe
    that the most that you have to pay is 102% of what the company pays.
    Digital I believe is going to keep supplimenting your insurance
    while your away.
    
    Kevin

        Someone correct me hear if I'm wrong.  Your company must provide
    you with the ability to maintain your present insurance.  I believe
    that the most that you have to pay is 102% of what the company pays.
    Digital I believe is going to keep supplimenting your insurance
    while your away.
*************************
The Internal Revenue Service ruled in IRS Bulletin 1990-40, 1 Oct 90,
that employers must continue health-care coverage for called-up 
Reservists and their families if the Reservists so desire and if they
are willing to pay the premium for the coverage.
	Background: The Consolidated Omnibus Budget Reconciliation Act
of 1985 (COBRA) allows employees who leave their jobs for any reason
to continue being covered by their ex-employer's health plan, at their
own expense, for up to 18 months. The former employer may end the coverage
if the person and his or her family begin coverage under another group
health plan.
	But the IRS has said that military health benefits (including
CHAMPUS) available to the families of activated Reservists are not a 
"group health plan" as the IRS code defines it. Therefor, employers may
not stop health benefits to Reservists called to active duty or their
families without their consent.

	Source- "The Officer" magazine November 1990 at Page 37

    That's fine about Health Insurance, but did it say anything about 
    Life Insurance??  
    
                        ken
    

    Re Life Insurance...
    
    Watch out for "War Clauses." Many policies will not pay benefits
    for loss of life/limb due to hostile fire (with or without a 
    declaration of war.)
    
    This would not affect life insurance policies continued for family
    members remaining at home, just the folks getting in harm's way.
    
    jb
    
    

    Just a slightly different question regarding insurance.  I have
    Veterans group life insurance.  Am I covered if something happens
    to me while NOT in Training or Active duty?  In other words, just
    being a civy?
    
    Thanks
    
    Kevin

    Just a slightly different question regarding insurance.  I have
    Veterans group life insurance.  Am I covered if something happens
    to me while NOT in Training or Active duty?  In other words, just
    being a civy?
???????
    If you have Veterans Group Life you are essentially covered for 
peacetime activities, however a call to your VA office may be necessary
to see about a war clause here.

   If you have Serviceman's Group Life Ins (SGLI) you are covered for
active duty related injuries while on active duty. However, that is only
$50,000. That does not go very far if you are the only breadwinner. You
might consider one of the military industry insurance policies such
as USAA, GEICO, etc that cover military personnel with term insurance.

    Thanks for the info.  
    
    I thought that if we are activated, we are classified as being on
    active duty, and are covered if we are k*lled in the line of duty.
    (perish the thought).
    
    Kevin
    

    Just found out the you WILL NOT be covered under DEC's Life Insurance if
    you die in battle.  I guess that means that I have to find some
    other Life insurance agency (I think USAA) to supplement this.
    
                  ken

    Just got off the phone with USAA.  They have "non-war clausable " term
    life insurance for $84/year (for $50K) and $128/year (for $100K).. 
    BTW, this insurance quote was for me, 26 yo and non-smoker. Anybody who
    would like to talk to them, their number is 1-800-531-8000.
    
                    good luck,
                      Ken
    

    RE: .12
    
    When I took out my first USAA policy, it was three weeks before I was
    due to go 'cross the pond.....the one to the west.  At that time (1967)
    there was a maximum amount that they would write ($10K, I think). 
    Don't know if they have those limitations today.
    
    	Bill Tarmey

    re -1  That was just for you, Bill.  For the rest of us the amount
    was a lot higher......
    
    :-)

    
    RE: Policy max
    
    At that stage of my life, making my wife a wealthy widow was not in my
    plans!  $10K was a socially acceptable token........ :^)
    
    	Have great weekend,
    
    				Bill T.

There is one "gotcha" within the military medical system. Dental coverage for
family members is not automatic unless you live within commuting range of
a uniformed service medical facility. The dental insurance program, 
abbreviated as (DELTA), is only offered to personnel enlisted for two years or
greater (or Voluntary Indef with officers).

The possibility of war was not considered when this dental plan was sold to the
active duty force.

    
    
    re USAA insurance
    
    
    I've got USAA renter's insurance, and I thought you had to be
    an officer (not one of the "untouchables"  EM/NCO types) to be
    a member of USAA.
    
    RANDY SCHWARTZ
    Hope you guys/gals can take a joke, cause I use to be a 
    "untouchable", but as my First Sergeant says I was "untrainable".

    I got additional life insurance for my husband through METPAY.  It also
    does not have the "Act of War" clause in it.  That was one of the
    specific questions asked and the agent told us that there aren't that
    many companies around that offer that.  
    
    I also checked into getting insurance for him as my dependent and he
    would not be covered if he was k*lled due to an "act of war".
    
    Now my question is - Does war have to be declared for these types of
    policies to be void - or just an act such as shooting?  So far all of
    the deaths in the crisis have been accidental - would they be covered
    under these policies?
    
    Thanks for any info.
    
    bk
    

Sending a letter to the underwriters at METPAY should give you the answer to
your unasked question,"Will METPAY provide coverage if my husband is killed
in an accident while on active duty?"

They should also be consulted about what they mean by "act of war". For
example, a few years ago a Korean jet was shot down by the Russians for
straying over their territory. Several insurance companies did not pay
their clients' families claiming this was an act of war. There were 
Dec Employees on that plane; Dec paid.

    As was explained to me during one of many "personal benefits"
    briefings on active duty, if your policy has a "war clause,"
    your benefits will NOT be paid if your demise is directly or
    indirectly attributable to hostilities. An "accident" in a war zone
    is considered "indirectly" attributable to hostilities.
    
    The best thing is to try to get a policy without a "war clause."
    USAA offers some, as do some other companies...but starting one
    now may mean higher premiums...
    
    John B. 

    RE:  USAA
    
    Having just paid my insurance premium to USAA, this topic came to mind. 
    Regardless of what I said in a previous reply, I don't think USAA
    writes Life Insurance......Do they?  I have my Auto Insurance with
    them, I know they do Home Owners, but I'm not sure about Life.
    
    They Company that I got my first $10K through was USLICo, out of
    Washington, DC.  In both cases (USAA and USLICo), the US stands for
    United Services, but the two are (were?) completely independent.  In
    1965, one of them - not sure which - was for Military Officers only. 
    Don't know about today.
    
    Sorry if I added to the confusion.
    
    	Bill T.
    

    Does DEC life insurance cover you for death resulting on a weekend
    drill??
    
    

Once upon a time, I asked that question. The answer then, 8 years ago, was yes.
However nothing remains constant.

USAA does life insurance, and they have subsidiaries that insure others than
uniformed services officers. Co-incidentally USAA was the only American firm
that would insure my sailboat for international coverage while I was stationed
in Europe.    
    

    I must have been misunderstood.  METPAY will cover acts of war -
    meaning they do not have a clause in their insurance.  That's why we
    got it - but Digital does have a clause (dependents anyways).
    
    I spoke to my husband about this topic and some things said in here
    about SGLI.  I told him that it was said he is not covered by SGLI
    unless he is on active duty.  He says that is not true - that the
    soldiers pay for that insurance and it is for "life" in general no
    matter where you are.  He said that he has asked this question to his
    unit a number of times and has always got the same answer - yes you are
    covered whether on active or nonactive.
    
    Could someone clarify this?
    
    Thanks,
    
    BK
    

	re:.25
    
>    I spoke to my husband about this topic and some things said in here
>    about SGLI.  I told him that it was said he is not covered by SGLI
>    unless he is on active duty.  He says that is not true - that the
>    soldiers pay for that insurance and it is for "life" in general no
>    matter where you are.  He said that he has asked this question to his
>    unit a number of times and has always got the same answer - yes you are
>    covered whether on active or nonactive.
    
>    Could someone clarify this?
 
	If he is a drilling reservist paying the $4.00 a month for SGLI 
insurance he is covered at all times 24 hours a day 365 days a year. This 
information comes from 20 years in the Reserves.

	Ed Bohrer
   

    re -.1
    
    Thanks for the info.
    
    BK
    

A new gotcha is happening. Some of my friends here are in Quick Reaction
Force units; you know "12-hours-after-being-alerted-you-are-on-a-plane-and-
its-wheels-are-UP".

The Digital Policy says a copy of order's has to be in hand. However, 
in Q.R.F. units, written orders do not catch up with you for two weeks or 
longer. Other employers are experiencing the same problem.    

I wonder if Dec Personnel has some sort of provision such as formal letters
from individual's commanding officers, perhaps a Flag Officer, advising 
DEC of an employee's Q.R.F. status, etc?