TOP's Soldier and Veteran Benefit Report

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

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Guides

How to sign up, step by step.

Official portals only. Keep the matching video open if the form gets stubborn. Filter by soldiers, veterans, or getting out.

Getting out

How to sign up for VGLI / SGLI conversion

If your VGLI is current, VA is skipping premiums November 2026 through January 2027. If you are still converting from SGLI, the deadline did not take a holiday.

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Getting out

How to sign up for DD-214 / DD214-1 records

Guard and Reserve now get a Certificate of Uniformed Service addendum with points. It is not a substitute for a regular DD-214. Get both. Store both.

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Identity

Create your VA.gov account

Every VA website and the VA Health and Benefits app now signs in with Login.gov or ID.me. My HealtheVet and DS Logon passwords no longer open the door.

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Identity

Install the VA Health and Benefits app

The same verified account that opens VA.gov also opens the official app: claims, appointments, refills, secure messages, letters, and payment history in your pocket.

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Soldier → Veteran

Start the claim before you take the uniform off

Benefits Delivery at Discharge, TAP, and the VA.gov account are the handoff. Waiting until you are a civilian is how evidence walks away.

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Getting out · TAMP

TAMP is 180 days of transitional TRICARE. Then a cliff.

If your service documents Transitional Assistance Management Program in DEERS, you get 180 days of TRICARE with no premium. Day 181 needs a next plan: TRS, TRR, VA health, or civilian.

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Gray area

20-year letter, no paycheck yet.

Gray-area retirees have a Notification of Eligibility and have not started non-regular retired pay. No regular retiree TRICARE until 60 (or reduced age). You can still buy TRR and often FEDVIP dental.

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Gray area · TRR

Buy TRICARE Retired Reserve in milConnect

TRR is premium-based coverage for Retired Reserve members under 60 who are not FEHB-eligible. 2026 published rates: $645.90 member / $1,548.30 family. Enroll through Beneficiary Web Enrollment.

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Life insurance

SGLI while you serve. VGLI on a 240-day clock.

Check SGLI, FSGLI, and the beneficiary in milConnect now. After separation, SGLI runs 120 days free. Apply for VGLI within 240 days with no health questions, or out to 1 year and 120 days with proof of health.

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Dental

TDP, FEDVIP, VA dental — pick one door

Active duty uses the clinic. Selected Reserve buys the TRICARE Dental Program. Gray-area and many retirees buy FEDVIP dental on BENEFEDS. VA outpatient dental is a limited class, not a default.

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Housing

Get a VA home loan Certificate of Eligibility

The COE is the federal housing benefit. Homeowners, wind, and flood insurance are civilian policies you still shop. I do not sell USAA.

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Retiree · paycheck started

Reenroll retiree TRICARE (Prime or Select)

Retirement disenrolls Prime. You have 90 days to enroll Prime, Select, or US Family Health Plan — recut from TRICARE.mil Retiring. Miss 90 days and you may request retroactive enrollment up to 12 months. This is not TRR. I will not file it.

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Getting out · after TAMP

Buy CHCBP when TRICARE ends

The Continued Health Care Benefit Program is a premium bridge for 18–36 months after you lose TRICARE or TAMP. You must buy it within 60 days. DD Form 2837 to Humana Military with 90 days paid up front. Recut from TRICARE.mil. I will not file it.

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Retiree · survivors

Elect the Survivor Benefit Plan

Retired pay stops when you die unless SBP is in force. The election is part of retirement processing — DD 2656 — with spouse concurrence rules. Recut from militarypay.defense.gov. I will not file it.

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Family · spouse school money

Apply for the SpouseWorks Scholarship (formerly MyCAA)

Up to $4,000 for a license, certification, or associate degree. Recut 2026: eligible spouses of active duty, Guard, and Reserve on qualifying Title 10 — across ranks. Portal on Military OneSource. I will not file it.

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Gray area · survivors

Elect RC-SBP within 90 days of the 20-year letter

Reserve Component Survivor Benefit Plan is a 90-day clock from the Notification of Eligibility. If you do nothing and you have a spouse or child, the law enrolls Option C. Army recut 2026: submit DD 2656-5 in IPPS-A. I will not file it.

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Gray area · paycheck

Apply for Reserve retired pay

Retired pay does not start itself. Submit 9 months to 90 days before age 60 or your reduced-age date. Army: DD 108 + DD 2656 to HRC Gray Area Retirements. Work it with an RSO. Recut from Soldier for Life / HRC. I will not file it.

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Healthcare · Rx

Register TRICARE Pharmacy home delivery

Express Scripts runs the TRICARE pharmacy contract. Home delivery is usually cheaper than retail. Military pharmacy is still $0 for active duty. Recut from TRICARE.mil Rx. I will not file it.

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Family · adult kids

Buy TRICARE Young Adult

Premium plan for unmarried adult children after they age off the sponsor plan — usually 21, up to 26. Not automatic. Recut from TRICARE.mil TYA. I will not file it.

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Family · caregiver

Apply for the VA family caregiver program

Program of Comprehensive Assistance for Family Caregivers. VA Form 10-10CG, filed with the veteran. Stipend, training, sometimes CHAMPVA. The veteran must be in VA health first. Recut from VA.gov. I will not file it.

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Family · child care

Request Military Child Care / fee assistance

The waitlist is the enrollment. CDC / CYS does not start because you have orders. Recut from Military OneSource. I will not file it.

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