TOP's Soldier and Veteran Benefit Report

Official doors recut monthly · 164 .gov / .mil doors

Source ledger

Calendar

Open season and the clocks people miss.

FEDVIP, TRICARE Prime/Select, and the BDD window. Dates move. The .gov / .mil page is the source of truth — this is the reminder.

In service

Open now · 100 days left

TSP contributions — no open season

2026-01-012026-12-31

You can change TSP contributions any pay period in myPay / TSP.gov. Roth vs traditional is not locked to November.

In service

Open now · 100 days left

TRICARE Dental Program — enroll when eligible

2026-01-012026-12-31

Selected Reserve dental is a separate purchase from TRS. You do not wait on FEDVIP open season. Use the official TDP door.

Getting out

Open now · 100 days left

BDD claim window (180–90 days before separation)

2026-01-012026-12-31

Benefits Delivery at Discharge is a clock, not a vibe. File 180 to 90 days before you take off the uniform. Use the getting-out tool with your ETS date.

Getting out

Open now · 100 days left

TAMP — 180 days after qualifying active duty

2026-01-012026-12-31

If DEERS shows TAMP, you have 180 days of transitional TRICARE with no premium. Confirm in milConnect. Day 181 needs TRS, TRR, VA health, or a civilian plan.

Getting out

Open now · 100 days left

VGLI conversion — 240 days / 1 year + 120

2026-01-012026-12-31

SGLI runs 120 days free after separation. Apply for VGLI within 240 days with no health questions. The last day is 1 year and 120 days. Recut 21 Sep 2026: a Nov. 1, 2026–Jan. 31, 2027 premium holiday does not pause this clock. Use the SGLI clock with your DD-214 date.

Everyone

Open now · 100 days left

TRICARE Retired Reserve — gray area, no open season

2026-01-012026-12-31

Gray-area Retired Reserve under 60 can buy TRR in milConnect when eligible. It is not TRICARE Open Season and it is not TRS pricing. 2026 published premiums: $645.90 member / $1,548.30 family. Verify on TRICARE.mil.

In service

Open now · 100 days left

TSP Roth catch-up rule (2026)

2026-01-012026-12-31

Age 50+ and over the published earnings line: extra catch-up may have to go Roth. Change TSP any pay period. Confirm the live number on TSP.gov, then the LES.

Everyone

Open now · 100 days left

RC-SBP — 90 days from the 20-year letter

2026-01-012026-12-31

Not Open Season. 90 days from the Notification of Eligibility. DD 2656-5. Army 2026: IPPS-A. Do nothing with a spouse or child and Option C is automatic.

Getting out

Opens in 39 days

VGLI premium holiday (coverage stays on)

2026-11-012027-01-31

Recut 21 Sep 2026 from VA.gov: eligible Veterans already covered under VGLI do not pay premiums from Nov. 1, 2026 through Jan. 31, 2027. Coverage continues. This is not the conversion window and it does not pause the 240-day clock.

Getting out

Opens in 39 days

VGLI premium holiday

2026-11-012027-01-31

If your VGLI is already current, VA is skipping premiums November 2026 through January 2027. Automatic. No opt-in fee. This does not extend the 240-day conversion clock if you are still coming off SGLI.

Everyone

Opens in 47 days

FEDVIP dental & vision open season

2026-11-092026-12-07

Recut 21 Sep 2026 from TRICARE.mil Open Season: Federal Benefits Open Season is Nov. 9–Dec. 7, 2026, effective Jan. 1, 2027. Enroll, change, or cancel FEDVIP dental and vision on BENEFEDS. Confirm the live dates there before you click.

Veterans

Opens in 47 days

TRICARE Prime / Select open season

2026-11-092026-12-08

Families and retirees can switch Prime ↔ Select. Open Season does not apply to active-duty sponsors. Selected Reserve TRICARE Reserve Select is a separate purchase in milConnect — not this window. Dates recut from TRICARE.mil: 9 Nov–8 Dec 2026, effective 1 Jan 2027. Verify on the official page.

Everyone

Opens in 47 days

FEHB / PSHB (federal employees)

2026-11-092026-12-07

If you hold a federal civilian job, this is the FEHB window. Recut 21 Sep 2026: TRICARE.mil names Federal Benefits Open Season as Nov. 9–Dec. 7, 2026. Confirm the live FEHB dates on OPM before you enroll. Reservists who are also federal employees generally cannot buy TRS.

In service

Opens in 47 days

FSAFEDS health-care FSA open season

2026-11-092026-12-07

Recut from FINRED / FSAFEDS: regular-component active duty and AGR can elect a Health Care FSA. Enrollment does not carry forward. Newly eligible: 60 days. Drilling Selected Reserve is a different rule. Confirm live dates on fsafeds.gov.

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