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What happens to TRICARE when a service member dies?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
Surviving family members may continue TRICARE coverage. Specific benefits depend on active duty status, retirement, and length of service.
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Key Takeaways
- Family coverage continues
- Active duty: 3 years then SBP
- Retiree: Spouse retains coverage
- SBP enrollment matters
Detailed Answer
TRICARE provides survivor benefits in various circumstances.
Active Duty Death
- Family gets 3 years TRICARE
- Then transition to Survivor Benefit Plan
- Children remain eligible
- Spouse may retain long-term
Retiree Death
- Surviving spouse retains TRICARE
- Children remain eligible
- Based on SBP enrollment
- Coverage continues
Coverage Levels
- Same as before death
- Prime or Select options
- Same costs as retirees
- Full benefits
SBP Connection
- Survivor Benefit Plan annuity
- Tied to TRICARE eligibility
- Must have SBP for long-term
- Deceased must have enrolled
Resources
- Casualty Assistance Officer
- DEERS update required
- ID card replacement
- Benefits counseling
Sponsored
What do most military families add to their TRICARE coverage?
Most Popular
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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