Understanding TRICARE eligibility after divorce can be tough. For high-wealth clients in Virginia, it is important to know when a military spouse can keep TRICARE benefits after a divorce.
Eligibility criteria for keeping TRICARE
TRICARE coverage for a military spouse usually ends with divorce, but there are exceptions. The 20/20/20 rule is important for continued eligibility.
A former spouse may keep TRICARE benefits if the marriage lasted a minimum of 20 years, the service member had at least 20 years of service for retirement pay, and there was a 20-year overlap between the marriage and the service member’s military service.
Partial eligibility under the 20/20/15 rule
If the marriage and the service member’s service overlapped for at least 15 years but less than 20 years, the former spouse may qualify for coverage under the 20/20/15 rule. The ex-spouse receives TRICARE coverage for one year after finalizing the divorce.
Important considerations
To keep TRICARE benefits, the former spouse must not remarry. Remarriage permanently ends TRICARE eligibility. Also, TRICARE benefits are usually available only until the spouse gets employer-sponsored health insurance.
Legal documentation and updates
It is crucial to have all necessary documents in order. After the divorce, update the Defense Enrollment Eligibility Reporting System (DEERS) with accurate information to reflect changes in marital status and eligibility.
Secure your healthcare future
Understanding TRICARE eligibility rules and meeting the criteria can help former military spouses keep healthcare coverage after a divorce. Consulting with a knowledgeable professional can guide your specific situation, ensuring you keep the benefits you’re entitled to.