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Frequently Asked Questions

Designating an AOP Beneficiary

Your Arrears of Pay (AOP) Beneficiary is the person who will receive your final pro-rated paycheck in the event that you pass away. DFAS will also contact this person for help with closing your account. 

You can choose anyone, from family members to friends to associates, to be your AOP beneficiary.  But if you don't designate someone, it could cause undue stress and financial hardship in the event of your death.

When you applied for retirement, you were asked to provide a Designation of Beneficiary for Unpaid Retired Pay on your Data for Payment of Retired Personnel (DD 2656) form.  If you did not provide this information when you retired or you need to change your beneficiary, you can do so at any time.

Three Simple Steps

To designate an Arrears of Pay (AOP) beneficiary, all you have to do is follow these simple steps:

1. Complete a Designation of Beneficiary Information form (DD 2894).

2. Sign and date the form.  (Unsigned and undated forms will not be processed.)

3.  Mail or fax the form to:

DFAS U.S. Military Retired Pay
8899 E 56th Street
Indianapolis IN 46249-1200

DFAS U.S. Military Retired Pay
8899 E 56th Street
Indianapolis IN 46249-1300

Fax: 800-469-6559

Designating Multiple Beneficiaries
Section 2 of DD 2894 (Designated Beneficiary Information) allows you to share your AOP with up to five beneficiaries. You may leave each beneficiary a portion or establish an order of precedence.

To designate two or more beneficiaries, complete each subsection, then designate the percentage you want each beneficiary to receive (such as 60 percent) in the corresponding "Share" field. The total of the "Share" column cannot exceed 100 percent.

To establish a beneficiary order of precedence, complete Section 2 with the primary beneficiary listed first, and then designate each beneficiary to receive 100 percent in the "Share" column.
Related Links
Arrears of Pay Overview
Manage Your Beneficiary Designation

What Happens When You Die?
Order of Precedence

Page updated April 26, 2017