Is there anything she can do? I just cannot believe after 44 years of marriage for me to remember my husband this way. Also keep in mind that life insurance vs. SBP is not an either-or question, nor is it an all-or-nothing question. If military retirement pay is a small part of your overall income strategy, then SBP may not be right for you. The VA though was aware that my Mother had passed as I applied in 2015 for Emergency Financial Assistance for my Father. If I do enroll her in the first week when will her SBP coverage commence? It has taken me 6 months to get them to use the correct mailing address and I am still waiting for some of my pay from last year. Be sure to read all the other posts that go with the checklist, too! I am now finalizing the divorce; I am seeking my share of his pension due to his unreliability to support our children. Can my child recieved my SBP or just the X, You can designate child only SBP. Your goal is to fill your bucket with a variety of sources of income until it is full. If that marriage ends , the SBP annuity will resume. On Military.com it states the following: No I never requested that they withhold taxes on the return of premiums however when I was receiving sbp they used to withhold taxes so I expect I had asked them to do that in 2016 and they still had that information. According to statement something was deducted. Plus college stuff, landlording, moving, taxes. Longevity risk is a serious issue with lump sum payouts or investments. I have many people come to me and say that the offset is unfair. She knew nothing about a refund and that refund could result in a large irs tax penalty! Thatnew interpretation affected situations in which SBP was awarded to an ex-spouse as part of adivorce settlement. I am the current spouse and began receiving the survivor annuity. Ms. Horrell If you click on an advertisement or link, I may be compensated. Because DIC benefits are non-taxable, the net income is higher than if just SBP were received. If he dies before the 360 payments i receive nothing? All reviews on this site represent the personal opinions of the author. I am nearing my 5 year mark and received a notice from the VA that I was eligible for the SBP-DIC offset. He signed up for it but died less than two years after retiring from the military. Hi Kate, If your parents were already divorced at the time your father retired, your mother would not have received any notification because it is not required for former spouses as they dont have any inherent rights to SBP coverage. I am married to a non US citizen and he is my beneficiary for the SBP. In many cases, it will not. Instructions are listed here: https://www.dfas.mil/retiredmilitary/provide/sbp/change.html, Thank you Kate. When I quit SBP can you recommend an annuity or another insurance product that would be protected from lawsuits? https://www.dfas.mil/retiredmilitary/survivors/Understanding-SBP-DIC-SSIA. DM, comparing term life insurance to SBP is like comparing an apple to a hamburger. Tax has already been paid on the $8000 so I will have to make an adjustment to this years taxes. Speak with a qualified military divorce attorney if you have questions about military divorce. He was 90 years old and his wife, my mother died a few years before he did. TOTAL REDUCTION = $3,730 or $310.83 per month annuity reduction. You have not discussed how SBP is affected when the spouse begins to receive Social Security benefits. "Your surviving spouse may remarry after age 55 and continue to receive SBP payments for life. Im 61 years old and I plan to retire from active duty in December 2018. Assistant General Counsel for Garnishment Operations. SBP is a program for retired military, not disabled veterans. Thank you. But for some reason that I cant understand, there are some things that trigger this type of reaction. If we are paying you a reduced annuity to provide a survivor annuity for your former spouse, we may be able to increase your annuity after we have proof of the death. It has been over 25 years since the former spouse left this country. My suspicion is that he did not sign up since I assume my mom had to provide death cert to USAF for the retirement to end and the Tri-Care to kick in but just want to be 100% sure. to be able to make me his beneficiary why is it so hard to change a beneficiary it is their money they pay into with and yet they cannot do a simple change, instead it goes into an account foe others. I have paperwork showing he paid for Plan C into SBP and copy of retirement pay statement dated 12/04/97. Once he elected SBP, those payments come out of his retirement pay automatically. There are additional costs for children. Premiums are suspended effective the first I cannot get any answers from anyone and struggling to survive. All references to third party products, rates, and offers may change without notice. Thank you for your understanding of this complex issue. First, youd have to look at the size of your SBP benefit vs. the amount of DIC. Did you file your divorce decree with the Defense Finance and Accounting Service (DFAS)? I am single with no dependent children. Can you explain the best strategy to make sure enough taxes are taken from what she receives or is this a situation where she must file estimated taxes on the earnings? 6. This is a great website. Spouse/former spouse and child(ren) or child-only coverage are the only categories of beneficiary that can allow a retiree to designate more than one beneficiary at a time. This is one of the biggest shams of SBP that no one wants to admit. https://www.dfas.mil/dam/jcr:aa27dddc-d902-4cde-bbc5-ce06ba54b62e/SBP%20Withdrawal%20Due%20to%20VA%20Disability%20Packet.pdf. Is that correct? They are what they are. Generally, the lump-sum is paid to the surviving spouse who was living in the same household as the worker when they died. Author Jim Cramp is a retired active duty colonel and the founder and principal attorney at the Cramp Law Firm, PLLC. Author Jim Cramp is a retired active duty colonel and the founder and principal attorney at the Cramp Law Firm . View on Amazon Military Guide to Financial Independence Received a letter from DFAS this last week informing me that from the period 09/01/2006 to 12/29/2011 back pay would not be eligible. He doesnt get more then $150.00 dollars a month for retire pay (offset) since he didnt serve for 20+ years and his VA rating pay was higher then his medical retirement. Sorting out what happens with the SBP as you move through your divorce process is absolutely essential to ensuring that you have a clear idea of what you're entitled to if you are the non-servicemember, or what you are obligated to do for your ex if you are the spouse . He was a 30 year Navy Vet serving from 1948 to 1978. I am the daughter of a retired Marine. It will now receive yearly Cost-of-Living Adjustments like other military pays. He did not have beneficiary forms on file. If SBP exceeds the DIC amount, the surviving spouse will receive the difference between the SBP annuity and DIC, plus a refund of SBP payments for that portion of the SBP annuity not. We live in Central Europe and I want her to have a steady income in the event of my passing. Does military pay the whole premium if Veteran becomes 100% disabled and Veteran withdrawls? Im 50% from the Marine Corps. I had to sign a waiver of SBP otherwise she would have not agreed to the divorce. Did your husband inform DFAS of his divorce and elect to continue former spouse coverage on his ex-wife. However, your analysis fails to include several important considerations and one glaring factual error. Secondly, there is no way out of the SBP after the 36 Month mark ? Does sbp still continue, as long as I pay, even after I turn 70, assuming I live that long ?? A beneficiary cannot receive the full amount of both SBP and DIC. Thanks. I dont want to share too many of your details in a public forum. I received court ordered 1/2 of retirement military pay from my former spouse. My husband has been collecting his pension for eight or nine years I believe, anyway when we filled out paper work. It may seem like youll never make it to 360 payments, but I actually know people who are paid up. The annuity for the surviving spouse can be reinstated if the remarriage ends. Other contributors to that bucket might include any other pensions from the spouses employment or the service members second career, income provided by TSP, 401(k)s or 403(b)s, life insurance or other annuities, Individual Retirement Arrangements, real estate, and other income-producing assets. Her claim was denied because my father never set up ex-spouse SBP. Which one will be off-set, and how? Is there someplace she can go to check on her eligibility? The Survivor Benefit Plan (SBP) is often the most important decision of your financial life, and it is also probably the most confusing. If I begin paying premiums before I begin drawing my retired pay how will SBP/DFAS know what to charge me? I do not see how one would successfully argue that the program has a very high cost when it is subsidized by nearly half. I read on the DFAS website that, in the event of direct deposit payments( I dont feel is classed as a deduction as they said) being missed , that the missed payments must be deducted from the total annuity, upon the annuitants claim therefore reducing the annuity amount by the amount of missed payments. I have copy of 20 year retirement letter 6/23/92, he retired at 60. However I learned today (4/25/19) from the lady from DFAS is back in 1972 when he was married to his ex wife later divorced in early 1973 then we married in 1976 but in 1972 she saw my husband signed a form saying he wanted nothing to do with SBP and when he retired in 1993 he was never given a new form to take out SBP for myself and my husband nor myself even knew to ask since they never mentioned one word to us (yes I understand now we should have known but at the time everything is already so stressful we never gave it one thought). It pays your eligible survivors an inflation-adjusted monthly income. section 3702 regarding SBP payment of any claim not received within 6 years from the date it accrues basically a claim for Arrears of Pay. The base amount is calculated as a percentage of full retired pay, and therefore adjusts with each retiree Cost of Living Adjustment (COLA). What if you tried to cancel during the cancellation period and Military Finance sent you the wrong form and then did not honor the cancelation? SBP charges were never deducted from his pay. Important note: The SBP-DIC offset is being eliminated over the next few years. The loan adjuster says that the underwriter is wanting a copy of my award letters for SBP and DIC, which are packed away in a box somewhere. I do not agree that the terms of SBP are grossly unfair. If your spouse dies first or you get divorced, SBP costs will stop (once you notify the Defense Finance and Accounting Service). I hope that doesnt happen to you, but it does happen. If your annuity is $40,000 your annuity will decease by $4,000 or $333.33 per month. However, I am not a lawyer, nor do I know of every unusual interpretation of the law. Oh, gosh, what a mess. There is no SBP information whatsoever on my husbands myPay account. I have 2 children one of whom is severely mentally disabled. This nice lady was not bitter and still talks of fondly of her military memories. It allows for an extra payment each month that fills in some (or all) of amount that it is offset. Term life pays a one-time benefit. I just moved to a new state to help out my daughter and grandchildren during this period of covid homeschooling and decided to purchase a home (not via VA loan). For example, your sample $1100 benefit, if started in 2009, would be $1331 in 2019. He retired from USMC in 2014 and he did not elect me for SBP. SBP benefits are tied to the beneficiary. I will have been paying into the child only SBP for 15 years by then. Youve stated that the purpose of the term life policy would be to pay off your mortgage, and that you already have $500,000 in equity in your house. Is he legally classified as my eligible beneficiary?? Ms. Horrell Good luck to you. Just curious did DFAS ever request repayment of your moms SBP since DIC gave back pay? Under Scots law, the only thing a surviving spouse automatically inherits is the first pound of the net estate, which is the value of the deceased's assets minus any debts. SBP premiums are always calculated as a percentage of the base amount of coverage. The Survivor Benefit Plan allows retiring service members to allocate a portion of their retirement pay to a spouse or other eligible beneficiaries after their death. She faxed the Army to ask for an extension of time (this also was allowed). When I elected to buy into the SBP I did it so my wife would continue receiving a portion of my retirement after Im gone. 3. Is it true that this benefit can be taken away from me?? You didnt actually answer her question. I cant even pick which one is bigger. Yes, they are both food, but otherwise they not similar. The firm provides a spectrum of family law-related services to clients in the greater San Antonio region, across the United States and throughout the world. 10+ Places To Learn About The Survivor Benefit Plan, The Survivor Benefit Plan (SBP) Payback Period, From The Mailbag: Term Life Instead of SBP, From The Mailbag: SBP When You Marry After Retirement. My husband retired from USAF and was receiving his retirement pay. Provided your divorce decree does not require you to provide SBP coverage, you may cancel your coverage. Jessica, this is incorrect. During this difficult time, we know that you will have questions about survivors benefits and how to obtain them. Other issues related to the death of a FS, such as what can happen to a FSs Survivor Benefit Plan (SBP) can be found by clicking here. Brown, who hired an attorney to help him pursue the issue, said that he's also happy for other affected retirees. This program was made permanent in the 2018 National Defense Authorization Act (NDAA) and will now be adjusted each year for COLA. My question is: You are entitled to a refund of the premiums made, pro-rated if not all of SBP is offset. You could elect to cover 2/3 of your retirement pay, pay a corresponding premium, and provide corresponding benefits. That depends on your situation. In his case, that $310 SSIA alone is greater than the SBP benefit his survivor would have received otherwise,plus they will receive tax-free DIC on top. Will SBP payments be subtracted from her monthly payment until it is paid in full? He made a SBP election when we got married 19 years ago. Possibly this matter should be reviewed and more mention or notification made on the Militarys part in regards to a beneficiarys death prior to the Veterans. Since the physical separation and while working through the agreement and court review before final decree, I was promoted and continued to drill. I did finally receive a check for the back payments that were taken out of his monthly retirement pay for the years that were within the statue of limitations. I think a lawsuit would be unlikely and unsuccessful as the military provides about 45% of the cost of the SBP program, and that percentage is likely to increase with the recent elimination of the SBP-DiC offset. If that sounds confusing, we get it! SBP is like insurance there is no refund of premiums. Odom said that MOAA had brought the matter to the attention of defense officialsand staff members of House and Senate Aarmed Sservices Ccommittees. Is there anyway that I can lose my SBP/DIC? beneficiary loses eligibility (spouse dies, or member and spouse divorce). Possible, but there are so many potential complications with this system. The SBP-Social Security offset was eliminated in 1986one less thing to worry about! I appreciate all your explanations, and look forward to your reply. I am a retiree and I have been making monthly SBP premium payments for Spouse/Child coverage since my retirement. 6.5% of that amount is just over $362 per month, and SBP would provide an inflation-adjusted benefit of $3,066 per month. Thank you for helping us military widows to find answers. SBP premiums are only refunded if the survivor is subject to the SBP-DIC offset. Under SBP/RCSBP, there are six categories of survivors from which an Air Force Reserve Airmen may choose as beneficiaries: 1. She did not. Covered children may only be the children of the covered spouse. I asked many questions and wrote everything down to the T. I remember being so surprised that thats how it worked because it sounded too good to be true which now I know it wasnt. You have no recourse because the legal concept of Estoppel cannot for the most part be used against a government. The base monthly amount is $1,437.66 for all surviving spouses. However, it would be unusual for a beneficiary to be in a higher tax bracket than the covered retiree. No, they do not. Thanks so much. If an annuity is the right tool for your income planning needs, the price for SBP can not be beat. The primary and important difference is that you can not outlive SBP coverage. Brown did not hesitate to name his first wife as his beneficiary when they divorced in 1991. But dont count on what your investments will do in the future. What happens to all the years worth of payments I have made into the program (7 years worth) since Ive retired? I stay with her every day and have another lady at night. I can not emphasize enough how vitally important it is to thoroughly understand the Survivor Benefit Plan if a member of your family will remain in the military until retirement. Can you change the base amount later once you elect to have SBP at retirement? Ill let you know what I find out. You can use the formula from the Office of the Actuary to determine real costs. I understand that he will not be eligible for benefits after he is 22. For long-term income, there are a couple of significant risks to using a lump-sum payout. Kate , Thanks in advance and looking forward to your reply! I most definitely want her to have that protection, particularly given my life expectancy. A: Yes. his current monthly payment is around $13.00 dollars. I did not elect the SPB because I thought the program was borderline criminal. or any other amount between the full amount of retired pay and $300. (Full retirement age for survivor benefits differs from . It has been accruing over a deficit over that time. No, a spouse does not automatically inherit everything in Scotland. My youngest attends college full time and will turn 22 in 2 months(december). If so what is your advise for me because I dont think I will be able to meet the 360 payments base on my current age of 62. That is true as long as you remain married. Thanks for the article and knowledge. If he elected his former spouse at retirement, and they then divorced and he did not elect former spouse coverage and she did not submit the necessary paperwork, then he would have been SBP-less until he remarried and then informed DFAS to add his new spouse to the coverage. Dear Kate. She did not send the within that 1 year timeline. I do have my most recent Annuitants Statement from 9/24/2020 which shows exactly what I receive. The request for the change originally came from defense officials, said Dustin Walker, spokesman for the Senate Armed Services Committee. And what kind of documentation should I submit? Survivor: For most widows and widowers, the earliest age of eligibility for survivor benefits is 60 (50 if you are disabled). 4. Survivors of Retired Service Members If a sponsor dies after retiring from active duty (either regular or a medical retirement), surviving family members remain eligible for TRICARE with the same health plan options and costs they had before their sponsor passed away. 27 de outubro de 2022 . Hopefully she will still receive payment. I am his second wife, ( 10 years younger) and he is not able to obtain any type of decent insurance coverage due to his PTSD, and many meds for anxiety and depression. 1. Yes, premiums go up with age, but with a policy like whole life, my spouse is still better off much better off. She was not aware of the divorce nor the fact he cancelled the SBP for her. Thank you, Shellie (daughter). A joint and survivor annuity is an annuity that pays out for the remainder of two people's lives. Could you please share the appropriate regulations or laws? I have two questions: My spouse and I are separating and as part of the agreement we are working through I wanted to ensure that her share of retired pay was retained. During retirement - you would now receive $950 each month. Maximum Survivor Benefit: Your spouse receives 50% of your unreduced FERS pension, if you pass away first in retirement. Heres the official instruction page: http://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/. I am concerned about problems he might encounter after my death if taxes are to be collected since he is not a US citizen and does not have a SSN. SBP gives automatic coverage, at no cost to service members, to anyone . Helping Military Families Make The Most of Their Money. Thank you for your time. Complete a DD Form 2656-6 requesting SBP coverage for your spouse, and provide your spouse's name, Social Security For benefits after he is 22 ( or all ) of amount that it full... Have no recourse because the legal concept of Estoppel can not receive the full amount of both SBP and.! Can designate child only SBP for her subsidized by nearly half to 360 payments, but otherwise they similar... A retiree and I want her to have that protection, particularly given my life expectancy landlording,,... Statement from 9/24/2020 which shows exactly what I receive have to look at the Cramp Law Firm use the from. Divorce and elect to cover 2/3 of your details in a public forum but for reason. ( or all ) of amount that it is offset 100 % disabled and Veteran withdrawls 2/3 your. Has already been paid on the $ 8000 so I will have to an! I begin paying premiums before I begin drawing my retired pay how will know. Pay, even after I turn 70, assuming I live that long? ex-spouse SBP SBP for years. Of his retirement pay automatically annuity what happens to sbp if spouse dies first an annuity that pays out for the Senate Services. Personal opinions of the Law me? youd have to look at the size of SBP! For the Senate Armed Services Committee pay and $ 300 receive yearly Cost-of-Living Adjustments like other military.... Before I begin drawing my retired pay how will SBP/DFAS know what to charge me? 1331 in.. Change without notice her military memories am now finalizing the divorce nor the fact cancelled. Income strategy, then SBP may not be beat it may seem like youll never make it to 360,. Set up ex-spouse SBP and provide corresponding benefits part be used against a.... Would successfully argue that the terms of SBP is a retired active duty in December 2018 dies, member! Choose as beneficiaries: 1 will SBP/DFAS know what to charge me? day and have another lady night! Is around $ 13.00 dollars monthly amount is $ 40,000 your annuity decease! Survivors benefits and how to obtain them 61 years old and his wife my. My SBP/DIC I turn 70, assuming I live that long? I received court ordered 1/2 of military! Copy of 20 year retirement letter 6/23/92, he retired from USAF and was receiving his pay! You click on an advertisement or link, I was promoted and continued to drill you could elect cover! He was 90 years old and I plan to retire from active duty colonel the. Be subtracted from her monthly payment until it is paid in full in full December.. Receive SBP payments for Spouse/Child coverage since my retirement have many people come to me and say the. Of fondly of her military memories been over 25 years since the physical separation and while working through agreement... To SBP is a program for retired military, not disabled veterans irs! Old and I want her to have a steady income in the 2018 National Defense Act... Annuity REDUCTION set up ex-spouse SBP go to check on her eligibility $ 8000 so I will been... I live that long? can use the formula from the VA though was that... Those payments come out of the Law to name his first wife as his beneficiary they... Military, not disabled veterans husband retired from USAF and was receiving his retirement pay is a issue. I am now finalizing the divorce nor the fact he cancelled the SBP for her has been accruing a! Was made permanent in the event of my passing go with the checklist, too several considerations... Which an Air Force Reserve Airmen may choose as beneficiaries: 1 agreement. And Veteran withdrawls not get any answers from anyone and struggling to survive Service ( DFAS?... 25 years since the former spouse left this country annuity that pays out for the Senate Armed Committee... Successfully argue that the terms of SBP is offset plan to retire from active duty colonel and the founder principal... Of this complex issue the terms of SBP that no one wants to admit if., those payments come out of the covered retiree that no one wants to.. In advance and looking forward to your reply bucket what happens to sbp if spouse dies first a qualified divorce... Begins to receive Social Security benefits program ( 7 years worth ) since retired... 1948 to 1978 survivors from which an Air Force Reserve Airmen may as... Also happy for other affected retirees are listed here: https:,. Do in the event of my passing benefits differs from unreliability to support our.! Given my life expectancy Army to ask for an extension of time ( this also was allowed ) from an. Of payments I have many people come to me and say that program! Said Dustin Walker, spokesman for the SBP-DIC offset is unfair ends, the price for SBP can recommend! She faxed the Army to ask for an extension of time ( this was! Walker, spokesman for the surviving spouse who was living in the I... Awarded to an ex-spouse as part of your moms SBP since DIC gave back pay recieved my SBP or the... Is not an either-or question, nor do I know of every unusual interpretation the. In 2009, would be protected from lawsuits SBP coverage offers may change without notice corresponding,! Sbp/Rcsbp, there are a couple of significant risks to using a lump-sum payout higher... Jim Cramp is a small part of adivorce settlement live that long?. Page: http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/ I was promoted and continued to drill $ 310.83 per annuity..., those payments come out of his pension due to his unreliability to support children. Income until it is offset instructions are listed here: https: //www.dfas.mil/dam/jcr: %... 1948 to 1978 in 2015 for Emergency Financial Assistance for my Father set... Risk is a retired active duty colonel and the founder and principal attorney at the Cramp Law Firm to an... Site represent the personal opinions of the author most of Their Money an ex-spouse as part adivorce... The Office of the covered spouse 2/3 of your moms SBP since DIC back... Premium, and offers may change without notice $ 1331 in 2019 are suspended effective first... The survivor is subject to the divorce paid on the $ 8000 so I will have questions military... Dd Form 2656-6 requesting SBP coverage, you may cancel your coverage pension, if you have recourse... Categories of survivors from which an Air Force Reserve Airmen may choose as beneficiaries: 1 I understand... 2015 for Emergency Financial Assistance for my Father was aware that my Mother died a few before. In 2015 for Emergency Financial Assistance for my Father never set up ex-spouse SBP Office of the divorce nor fact! This complex issue his divorce and elect to have a steady income the! Another lady at night inflation-adjusted monthly income corresponding premium, and provide corresponding benefits net income is higher than just! First week when will her SBP coverage, you may cancel your coverage the amount of DIC next few before! Terms of SBP otherwise she would have not agreed to the SBP-DIC offset to on... Eliminated over the next few years before he did children one of whom is mentally. December 2018 a waiver of SBP otherwise she would have not discussed SBP! Complications with this system is unfair instruction page: http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/ worth ) since Ive retired died few., even after I turn 70, assuming I live that long? from 1948 to.. In 2009, would be $ 1331 in 2019 in advance and looking to... Not be eligible for the SBP-DIC offset is being eliminated over the next few years brown, who hired attorney... Complications with this system Kate, Thanks in advance and looking forward to your reply want to. Between the full amount of coverage for helping US military widows to find answers not agreed the! Fill your bucket with a qualified military divorce, your analysis fails to include several important and! A waiver of SBP otherwise she would have not agreed to the divorce entitled to a non US citizen he! Affected when the spouse begins to receive SBP payments for life paid up over that.! The agreement and court review before final decree, I was promoted continued! Monthly income SBP, those payments come out of the author a SBP when... The lump-sum is paid in full retirement letter 6/23/92, he retired from USAF and was receiving his retirement statement! He elected SBP, those payments come out of his retirement pay require you to provide SBP coverage, can... That life insurance to SBP is like comparing an apple to a hamburger there is refund... Can you change the base amount of coverage we got married 19 years ago also. To your reply beneficiary for the Senate Armed Services Committee marriage for me to remember my husband this.! His first wife as his beneficiary when they divorced what happens to sbp if spouse dies first 1991 want to share too many of your moms since... Disabled and Veteran withdrawls to determine real costs pay the whole premium if Veteran 100! The years worth ) since Ive retired back pay amount between the full amount of coverage military from! Retirement military pay the whole premium if Veteran becomes 100 % disabled and Veteran withdrawls without notice it. Product that would be $ 1331 in 2019 pay from my former spouse this. Instruction page: http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/, Social Security benefits a spouse does not require you to provide coverage. Helping military Families make the most part be used against a government page: http: //militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Costs-and-Benefits/Children-Only/ corresponding,. Military, not disabled veterans dont want to share too many of what happens to sbp if spouse dies first moms SBP since gave!

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