Army Reserve/Guard

Defense Finance
and Accounting Service
Providing payment services of the U.S. Department of Defense

Army Reserve & Guard

Payment Procedure

Reserve and Guard members in a non-pay status accumulate debts for unpaid SGLI premiums on their Defense Joint Military Pay System – Reserve Component Master Military Pay Account (DJMS-RC MMPA). They are sent individual billing notices semi-annually. Soldiers with debts for SGLI should send payments to the following address:
U.S. Army Human Resources Command
Special Compensations Branch ATTN: AHRC-PDR-C
1600 Spearhead Division Ave Dept. #420
Fort Knox, KY 40122-5408
Checks should be made payable to the U.S. Treasury. Soldiers should write their Social Security Number on their payment and include a letter that explains the check is intended to pay SGLI premiums.

Termination of Coverage

If payment is not received within 6 months, the Soldier will receive a notification of impending termination for non-payment of SGLI premiums. After an additional 6 months of non-receipt, SGLI coverage is terminated.

Debt Collection Process

Unpaid premiums are considered debts owed to the U.S. government. The Defense Finance and Accounting Service (DFAS) will attempt to collect outstanding debts for SGLI premiums from the final pay of separating members. Unpaid debts of service members who separate are referred to the Out of Service Debt department. DFAS reports delinquent debts to the major credit bureaus after 62 days of the initial debt notification letter. Furthermore, DFAS will forward delinquent debts to private collection agencies for assistance with collection. DFAS participates in the Treasury Offset Program, which authorizes the Department of Treasury to offset payments from the IRS, Office of Personnel Management, Social Security Administration and civilian employers in order to collect delinquent debts. Visit our Out of Service Debt page for more information.

For More Information

Members with specific questions about their coverage status and premium payments can contact DFAS at 888-332-7411, and choose option 2 (Military Pay). Updated Feb. 11, 2014