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

Payment Procedure

Reserve 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). Once any combination of three SGLI debts have accumulated, premium notices are generated. Sailors with debts for SGLI can remit payments to the following address:

Defense Finance and Accounting Service - Cleveland Center
ATTN: SGLI Processing - Code ADBC
1240 East 9th Street
Cleveland, OH 44199-2056

Checks should be made payable to the U.S. Treasury. Sailors should write their Social Security Number on their payment and include a letter that explains the check is intended to pay SGLI premiums. Sailors also have the option of paying online at www.pay.gov. Sailors are given the details of online payments in a separate notification.

Termination of Coverage

Sailors are required to remit payment within 60 days after the due date. The initial notification letter for Navy Reserve members provides a termination warning for members who fail to make payment after 60 days.

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