What Happens to Your Survivor Benefit Plan (SBP) Account When You Die
Quick Facts
Annuity
Up to 55% of retirement pay
Payments
Monthly to surviving spouse
Contact
1-888-332-7411 (DFAS)
Step-by-Step Guide
File SBP claim with DFAS
Contact DFAS at 1-888-332-7411 to initiate the Survivor Benefit Plan annuity. The surviving spouse receives up to 55% of the retiree's retirement pay monthly.
Provide required documentation
Submit the death certificate, marriage certificate, and DD Form 1300 (if applicable) to begin annuity payments.
Document Now Checklist
- SBP election (spouse, children, or both)
- Base amount elected for SBP
- Retiree's monthly retirement pay amount
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Survivor Benefit Plan (SBP). This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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