Why does Congress put the responsibility on service members to make a new coverage election if declining or reducing coverage every time the maximum SGLI benefit is increased?
The rationale behind automatic coverage is simple and historically grounded. Prior to 1996, SGLI program changes were not automatic and required members make a new election if they wanted the increased benefit for their families. Unfortunately, some members died before they applied for the increased coverage causing surviving families to suffer financially because they did not receive the increased benefit. Starting 1 Apr 1996, Congress, in response to many complaints from surviving families, decided all future increases would be automatic, thereby requiring service members to make an election to reduce or decline the new coverage.
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