Military Benefits for Former Spouses: 
Legislation and Policy Issues 
Updated May 20, 2021 
Congressional Research Service 
https://crsreports.congress.gov 
RL31663 
 
  
 
Military Benefits for Former Spouses: Legislation and Policy Issues  
 
Summary 
In 1981, the Supreme Court ruled that the former spouse of a military member or retiree could not 
be awarded any share of that member’s/retiree’s retired pay as a part of a divorce property 
settlement in a community property state. In response, Congress enacted the Uniformed Services 
Former Spouses’ Protection Act (USFSPA) in 1982. Under the USFSPA, as amended, state courts 
can treat disposable military retired pay as divisible  property in divorce cases. However, state 
laws may vary on these concepts. The USFSPA makes no assumption of such a division nor does 
it presume how much of a division should be made. In addition to possible receipt of retired pay, 
certain former spouses remain eligible to receive certain military benefits or privileges.  
Changes in laws that affect the concurrent receipt of military retired pay and veteran disability 
pay may affect the amount of retired pay a former spouse may receive. Later career and financial 
decisions made by military retirees may also affect the amount of retired pay that can be divided. 
For example, military retirees who take federal civilian  jobs and then retire from those jobs can 
waive their military retired pay and credit their military time to their civilian careers. In so doing, 
they eliminate  their military retired pay, and thereby any share that might have been awarded to 
the former spouse. 
Since its inception, the USFSPA has remained contentious. Opponents of the law feel that it is 
unfair to servicemembers and should be modified or repealed. Proponents argue that the law 
protects the former spouse within national y accepted standards. Some of the most frequently 
cited issues include (1) definition of disposable retired pay, (2) effects from new laws concerning 
concurrent receipt of military retired pay and veteran disability compensation, (3) interactions 
with other federal retirement systems, (4) effects in cases of early separation of servicemembers, 
and (5) treatment of benefits upon remarriage of a former spouse. As with the original provisions 
of the USFSPA, these and other proposed changes have been the source of great debate. 
Although legislation  making various changes to the USFSPA has been introduced in the past, 
none of this legislation  has al owed for retroactive change to settled cases. 
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Contents 
Purpose ......................................................................................................................... 1 
The Uniformed Services Former Spouses Protection Act (USFSPA) ....................................... 1 
What Does the USFSPA Authorize?.............................................................................. 2 
Survivor Benefit Plan: Benefits for Divorced Spouses ..................................................... 4 
Other Benefits for Former Spouses of Retired Members .................................................. 5 
Reopening Court Cases .............................................................................................. 6 
Implementation of the Existing Law and Related Measures ................................................... 7 
Concurrent Receipt of Retired Pay and Disability Compensation ...................................... 7 
Dual Compensation: Retired Pay and Civil Service Pay ................................................... 9 
Interactions with Other Federal Retirement Systems ..................................................... 10 
Federal Civil Service Retirement and Waiver of Military Retired Pay ......................... 11 
Persons Affected by “Catch 62” ............................................................................ 12 
Early Separations..................................................................................................... 12 
Other Issues for Congress ............................................................................................... 12 
Military Retired Pay and Civilian Pensions .................................................................. 13 
Recent Changes to the Military Retirement System ....................................................... 13 
Pay Grade at Retirement v. Pay Grade at Divorce ......................................................... 15 
Remarriage of a Former Spouse ................................................................................. 15 
Working Spouses and Dual-Service Couples ................................................................ 16 
 
Contacts 
Author Information ....................................................................................................... 17 
 
 
Congressional Research Service 
Military Benefits for Former Spouses: Legislation and Policy Issues 
 
Purpose 
This report provides a general discussion of legislative provisions and proposals relating to the 
military benefits for former spouses. It is not designed to answer detailed questions about specific 
issues arising in individual  cases. Thus, it does not deal with case law nor does it apply legal or 
judicial  interpretations of enacted statutes to specific situations. 
Questions that this report seeks to answer include the following: 
  What benefits can former spouses of members or retirees of the uniformed 
services receive under law?  
  What role do the services play in facilitating delivery of those benefits? What 
practical problems arise in the implementation of and service involvement in 
claims on those benefits?  
  How does the current system for a divorce-related division of military retired pay 
work? 
These frequently asked questions reflect confusion and controversy over social policy and 
economic equity issues. The administrative and legal implementation has proven complex, due to 
the large number of couples affected and the variety of circumstances surrounding their military 
service and divorce. 
The Uniformed Services Former Spouses Protection 
Act (USFSPA) 
Prior to 1981, state courts disagreed as to whether they were authorized or constrained by federal 
legislation  or federal legal precedent in dividing  military retired pay in divorce-related property 
settlements. Inconsistencies among the states and perceptions of unfairness and arbitrariness were 
common grounds for criticism of the system. 
The Supreme Court ruled (6-3) on June 26, 1981, in the case of McCarty v. McCarty,1 that the 
former spouse of a military member or retiree could not be awarded any share of that 
member’s/retiree’s retirement pay as a part of a divorce property settlement in a community 
property state,2 because then-current federal law did not authorize the treatment of military retired 
pay as divisible  property in such a settlement.3 In reaching this ruling, however, the court did not 
necessarily endorse its social impact. Justice Blackmun (writing for the majority), virtual y 
invited Congress to consider a change in the law to al ow such a division to be made: 
We recognize that the plight of an ex-spouse of a retired member is often a serious one. 
See Hearing on H.R. 2187, H.R.  3677, and H.R. 6270 before the Military Compensation 
Subcommittee of the House Committee on Armed Services, 96th Cong., 2d Sess. (1980). 
That plight may  be mitigated to some extent by the ex-spouse’s right to claim  Social 
Security benefits, cf.  Hisquierdo, 439  U.S.  at 590,  and to  garnish  retired pay for  the 
purposes of support. Nonetheless, Congress may well decide, as it has in the Civil Service 
                                              
1 453 U.S. 210 (1981). 
2 T he McCarty case was  initiated in California, one of eight community property states at the time. Other community 
property states included Arizona, Idaho, Louisiana, Nevada, New  Mexico, T exas, and Washington. 
3 Generally, a community property state is defined as one in which all property earned by either the husband or the wife 
during  the course of the marriage is  treated as jointly held property for the purposes of a settlement.  
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and Foreign Service contexts, that more protection should be afforded a former spouse of 
a retired servicemember. The decision, however, is for Congress alone. We very recently 
have reemphasized that in no area has the Court accorded Congress greater deference than 
in the conduct and control of military affairs.4 
Congress responded by enacting the Uniformed Services Former Spouses’ Protection Act in 
September 1982. 
What Does the USFSPA Authorize? 
The USFSPA has five main provisions. 
1.  It enables state courts to treat disposable military retired pay as divisible  property 
in divorce cases.5 
2.  It al ows direct payments by the uniformed services (Army, Navy, Marine Corps, 
Air Force, Space Force and Coast Guard) of up to 50% of a member’s or former 
member’s disposable retired pay to the former spouse if the settlement involved is 
in compliance with the USFSPA. 
3.  It al ows for the enforcement of alimony and child support (in conjunction with 
previously enacted provisions of law providing for such enforcement regarding 
military personnel in 42 U.S.C. §659). 
4.  It al ows a military  member or retired member to voluntarily designate a former 
spouse as a beneficiary under the military Survivor Benefit Plan. This provision 
was later modified by Congress to al ow state courts, under certain conditions, to 
order a member or retiree to provide military Survivor Benefit Plan benefits to a 
former spouse.6 
5.  It defines which former spouses are eligible to secure access to military-
sponsored medical care benefits (e.g., care at uniformed service facilities), as 
wel  as commissary and exchange privileges.7 
The USFSPA currently al ows state courts to consider disposable military retired pay (excluding 
disability  retired pay) as divisible property in a divorce settlement, and establishes procedures 
whereby a former spouse can receive direct payment of a part of that retired pay directly from the 
Defense Finance and Accounting Service (DFAS).8 The distinction between USFSPA provisions 
that authorize courts to divide retired pay, and provisions that al ow for the direct payment of 
divided retired pay, has sometimes led to confusion among beneficiaries. Under the USFSPA, 
                                              
4 453 U.S. 210 (1981). 
5 Disposable  retired pay is retired pay less  withholdings, disability  pay the member is  entitled to on the date the 
member retires or was  placed on the temporary disability retirement list, and Survivor Benefit Plan deductions. For 
divorces occurring after November 5, 1990, “disposable retired pay” is  total monthly retired pay less amounts owed  to 
the United States for previous overpayments an d other recoupments required by law,  amounts deducted  as a result of 
forfeitures of retired pay ordered by a court -martial, and amounts waived  in order to receive compensation under title 5 
U.S.  Code (civil service) or title 38 U.S. Code (veterans’ benefit s). 
6 For more information on the military Survivor Benefit Plan, see CRS  Report R45325, Military Survivor Benefit Plan: 
Background and Issues for Congress, by Kristy N. Kamarck and Barbara Salazar  T orreon .  
7 For more information on the Military Health Services System, see CRS  Report R45399, Military Medical Care: 
Frequently Asked Questions, by  Bryce H. P. Mendez. 
8 When enacted, each service (Army, Navy, including the Marine Corps, and Air Force) had their own pay services. 
Since  then, DOD’s pay operations have been consolidated under the Defense Finance and Accounting Service  (DFAS). 
DFAS  Cleveland handles matters related to retired pay, to include USFSPA. 
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state courts are free to order the division of disposable retired pay in any manner congruent with 
state law. The USFSPA does not direct state courts to divide retired pay or to award a former 
spouse a certain percentage of disposable retired pay. Whether such a division is made, and if 
made, what percentage is awarded to the former spouse is left to the discretion of the court in 
each individual  settlement. 
The secretary of the particular military department (Army, Navy, Air Force, and the Secretary of 
Homeland Security for the Coast Guard) can make direct payments of a portion of that pay to a 
former spouse.9 These payments are managed by DFAS.10 In order to be eligible for direct 
payment, a former spouse must have been married to the servicemember or retiree at least 10 
years, during which the servicemember or retiree must have served at least 10 years of creditable 
military service. In addition, the awarded division of military retired pay must be incorporated in 
a court-ordered, -ratified, or -approved divorce-related settlement. These provisions of the 
USFSPA pertain only to property settlements and do not affect provisions for alimony or child 
support. The USFSPA does not relieve the servicemember or retiree from the obligation to pay 
court-ordered alimony and/or child support payments (which are distinct from a divorce property 
settlement). 
The service secretary concerned is required to begin payments to the former spouse within 90 
days after the receipt of a valid court order. If the member has not yet retired from the Armed 
Forces at the time of the court order, the service secretary must begin payments not later than 90 
days after the member becomes entitled to retired pay. The USFSPA “does not authorize any court 
to order a member to apply for retirement or retire at a particular time in order to effectuate any 
payment.”11 
What is the 10/10 rule? 
When discussing military  divorce  settlements  some people refer  to the 10/10 rule.  The 10/10 rule only affects 
how the former  spouse receives  the divided retired pay. Former  spouses who are eligible  under the 10/10 rule 
may receive  direct payments from DFAS.  An eligible  former  spouse is one who was married  to the 
servicemember  or retiree  for at least 10 years, during which the servicemember  or retiree  served  at least 10 
years of creditable military  service.  Eligibility  to receive  direct pay under this rule is not automatic; the award of 
military  retired  pay stil   must be incorporated in a court-ordered, -ratified, or -approved divorce-related 
settlement.   
Former  spouses who do not meet  the 10/10 criteria may stil  be awarded a portion of the servicemember  or 
retiree’s  retired  pay by the court. However,  in this case,  the retired  servicemember  receives  his or her entire 
retired  pay from  DFAS and he or she arranges for the court-ordered amount to be distributed to his or her 
former  spouse.  
Under the USFSPA, the amount of court-ordered retired pay that the services can pay to a former 
spouse under the direct payment provisions is limited  to 50% of disposable retired pay or up to 
65% if other provisions for garnishment such as alimony or child support (under 42 U.S.C. 659) 
exist. When the servicemember has more than one former spouse, payment orders are handled by 
the secretary on a first-come, first-serve basis. The combined amount of retired pay paid out to 
one or more ex-spouses through the direct payment mechanism cannot exceed 65% of disposable 
                                              
9 T he Marine Corps falls under  the Department of the Navy, and the Space Force falls under the Department of the Air 
Force. 
10 For more information on how DFAS  handles pay to former spouses under USFSPA,  see  http://www.dfas.mil/
garnishment/usfspa/legal.html. 
11 10 U.S.C.  §1408(c)(3). 
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Military Benefits for Former Spouses: Legislation and Policy Issues  
 
retired pay, but this does not relieve the member or retiree of an obligation  to pay any additional 
sums which are awarded to a former spouse. 
When conflicting orders exist (e.g., retired pay subject to more than one court order), the USFSPA 
instructs the secretary concerned to send the amount specified in the lesser of the two conflicting 
orders to the former spouse(s), retain the difference between the two (up to 50%), and send the 
balance to the retiree. Upon resolution of the conflicting order, the secretary is to al ocate the 
retained amount in accordance with the USFSPA. 
Final y, the USFSPA does not al ow a court to consider military retired pay in a divorce-related 
property settlement unless the court has jurisdiction over the servicemember or retiree by reason 
of his/her 
  residence other than military assignment in the territorial jurisdiction, 
  domicile in the territorial jurisdiction of the court, or 
  consent to the jurisdiction of the court. 
Survivor Benefit Plan: Benefits for Divorced Spouses 
In addition to providing for the division and direct payment of military retired pay, the USFSPA 
al ows divorced spouses of military members or retirees to draw benefits from the DOD Survivor 
Benefit Plan (SBP) under certain circumstances. The SBP, established by P.L. 92-425, September 
21, 1972, provides financial protection for the surviving dependents of deceased military 
members and retirees.12 Al  personnel of the uniformed services who retire on or after September 
21, 1972, are automatical y enrolled in the SBP unless they elect not to participate. In 2001, 
Congress extended SBP coverage to personnel who die while serving on active duty. Such 
coverage was extended to the survivors of those individuals who die while on active duty, on or 
after September 10, 2001.13 Changes concerning SBP coverage can be made after the initial 
agreement only if both parties to the divorce agree to it. Any elections other than the maximum 
protection for a spouse made after March 1, 1986, can take place only if the spouse concurs.14 
Under the plan, retired pay is reduced to provide for the cost of a survivor benefit. For divorces 
that occurred prior to November 14, 1986, the USFSPA al owed members or retirees to 
voluntarily elect to name a former spouse as beneficiary. If a divorce occurred on or after 
November 14, 1986, however, a court may order a member or retiree to provide SBP protection as 
part of or incident to a divorce. According to changes in law implemented by the FY1987 
National Defense Authorization Act, “A court order may require a person to elect (or to enter into 
an agreement to elect) ... to provide an annuity to a former spouse (or to both a former spouse and 
child).”15 This language does not require courts to make such an order, but gives them the 
freedom to do so. 
The National Defense Authorization Act for Fiscal Year 2016 amended the Survivor Benefit Plan 
(SBP) statute to provide a member who had made an election to provide SBP or Reserve 
Component SBP (RCSBP) coverage for a former spouse the ability to cover a subsequent spouse 
if the former spouse dies. The legislation included an open season (November 25, 2015, to 
                                              
12 Upon the death of a military member/retiree, income from the military ceases. 
13 P.L. 107-107. 
14 U.S., Congress,  Senate, Conference Committee, FY1986 Department of Defense Authorization Act. S.Rept. 99 -118, 
S.  1160, 99th Cong., 1st Sess.,  July 29, 1985: 98. 
15 10 U.S.C.  §1450(f)(4). 
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Military Benefits for Former Spouses: Legislation and Policy Issues  
 
November 24, 2016) to accommodate members whose covered former spouse beneficiaries were 
already deceased when the legislation was enacted.16 
Other Benefits for Former Spouses of Retired Members 
The USFSPA and subsequent amendments also authorized military medical benefits and 
exchange and commissary privileges for certain un-remarried former spouses of military 
members or retirees.17 Eligibility  for these benefits depends on both the years of marriage and 
service by the member or former member and, in certain instances, the date of the final decree of 
divorce, dissolution, or annulment. Each set of requirements for eligibility  is treated separately 
here. 
When original y  enacted in 1982, the USFSPA provided that, if a member had been married for at 
least 20 years to one spouse, during which time the member performed at least 20 years of 
creditable military service, the un-remarried former spouse was eligible for military commissary 
and exchange privileges, as wel  as military medical benefits, if he or she did not have medical 
coverage under an employer-sponsored health program. This restriction (known popularly as the 
20/20/20 restriction) was considered unfair by some because it excluded many former spouses 
who met most, but not al , of the time requirements. In some cases, for example, the marriage 
could have lasted 20 years, the servicemember had served 20 years, but the two did not overlap 
by the required 20 years. 
Legislation enacted in 1984 (as subsequently modified) established benefit eligibility  provisions 
for former spouses who do not meet the 20/20/20 restriction (the benefits of those who do meet 
the 20/20/20 restriction were not affected by these provisions).18 
First, it provided full eligibility  for medical care for former spouses whose final decree of 
divorce, annulment, etc., was dated before April 1, 1985, and who meet the eligibility 
requirements, except for the fact that their minimum of 20 years of marriage and 20 years of 
creditable service overlapped by only 15 years or more, and by less than 20 years (i.e., they meet 
a 20/20/15 restriction). 
Second, it provided a transitional medical care program for former spouses who met the 
eligibility  requirements and the 20/20/15 restriction, but whose final decree of divorce was April 
1, 1985, or later. These former spouses were eligible for transitional care in the military medical 
care system for two years, followed by the right to convert to a private health insurance plan with 
the identical restriction on remarriage and other medical coverage.19 Legislation enacted in 1988 
limited the period of transitional medical care to one year.20 
Third, the 1984 legislation provided that former spouses who were otherwise eligible, but who 
did not meet the minimum 20/20/15 restriction would be eligible  for coverage under a specificaly 
formulated private health care plan, with responsibility for premium payments for this plan to be 
determined by the court in the divorce property settlement.21 
                                              
16 For more information, see Defense Finance and Accounting Service (DFAS)  Former Spouse  SBP  Coverage Open 
Season:  https://www.dfas.mil/retiredmilitary/provide/sbp/FS-SBP-open-season-16.html. 
17 See  10 U.S.C.  §1062 and 10 U.S.C.  §1072(2)(F and G). 
18 P.L. 98-525, Section 645(a), September 27, 1984. 
19 See  10 U.S.C.  §1086a. 
20 See  P.L. 100-456 §651; P.L. 101-189 §731. 
21 See  10 U.S.C.  §1078a. 
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Reopening Court Cases 
The legislative  history of the USFSPA indicates that it was the intent of Congress that the direct 
payment provision of the USFSPA became effective on June 26, 1981, and would not be applied 
to cases finalized before that date. 
Although the Conference Report contains no prohibition against courts reopening decisions 
before [June 26, 1981],  the conferees agreed that changes to court orders finalized before 
the McCarty decision should not be recognized if those changes were effected after the 
McCarty  decision (and before the effective date of  the new title  X)  to implement  the 
holding in that decision (for example, a modification setting aside a pre-McCarty division 
of military retired pay).22 
Thus, if a divorce were settled two weeks before the McCarty decision and the member retired 
after McCarty, divisibility  of retired pay (and other provisions) would, arguably, not apply unless 
the original decree al owed for a division of retired pay. However, the applicability  of the 
USFSPA, in general, to reopened cases, remained ambiguous. 
Congress has no direct control or jurisdiction over state courts, which handle almost al  domestic 
relations law (separation, divorce, adoption, etc.). However, Congress does have control over the 
administration and disbursal of federal compensation and benefits related to domestic relations 
law. Congress has indicated its intention that federal law governs the treatment of these benefits 
in divorce-related settlements. 
The U.S. Comptroller General has ruled that certain former spouses, who have their pre-McCarty 
divorces reopened on or after June 26, 1981, may be ineligible to receive direct payment from the 
military services.23 Nevertheless, despite congressional language to the contrary, some states 
continued the practice of reopening pre-McCarty divorces in order to al ow for a division of 
retired pay. The National Defense Authorization Act for Fiscal Year 1991 placed explicit limits on 
the ability  of state courts to consider retired pay as property in the reopening of a pre-McCarty 
divorce which did not provide for such a division.24 In its report on this legislation, the House 
Armed Service Committee stated the following: 
The committee is concerned because some state courts have been less faithful in their 
adherence to the spirit of the law.  The reopening of divorce cases finalized before the 
Supreme  Court’s decision in  (McCarty v.  McCarty) that did  not divide  retired  pay 
continues to be a significant problem. Years after final divorce decrees have been issued, 
some state courts, particularly those in California, have reopened cases (through partition 
actions or otherwise) to award a share of retired pay. Although Congress has twice stated 
in report language that this result was not intended, the practice continues unabated. Such 
action is  inconsistent  with the notion that a final  decree of divorce represents a final 
disposition of the marital estate. 
Section 555 would provide that a court may not treat retired or retainer pay as property in 
any proceeding to divide or partition such pay of a member as the property of the member 
                                              
22 U.S., Congress,  House, Conference Committee, Department of Defense Authorization Act for Fiscal Year 1983, 
H.Rept. 97-749, August  16, 1982: 167-168. 
23 In a case before the Comptroller General, a pre-June 26, 1981, divorce settlement did not divide military retired pay; 
the settlement was modified after June 26, 1981 , to include a division  of military retired pay. T he efforts of the former 
spouse to receive direct payment were rejected by the Army. T he Comptroller upheld the Army’s decision to reject the 
request for direct payment because (1) the original decree denied  a division of retire pay and (2) the original decree 
occurred before June 26, 1981. Matter of: Phyllis M. T harp B-229440 68 Com p. Gen. 116 (1988). “ Direct Payment of 
Retired Pay to Divorcees Limited,” Army Times, January 16, 1989: 16. 
24 P.L. 101-510, 104 Stat. 1485, November 5, 1990, codified at 10 U.S.C.  §1408(c)(1). 
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and his spouse if  a  final  decree of divorce, dissolution, annulment or legal  separation 
(including court ordered, ratified, or  approved property settlement incident to such a 
decree) was issued before the McCarty decision and did not treat retired pay as property of 
the member and the member’s spouse or former spouse. This provision would apply to 
judgments issued before, on, or after the date of enactment [November 5, 1990] of this Act, 
but only with respect to any requirement to make payments pursuant to such judgments 
after the date of enactment. Thus, individuals divorced before the McCarty decision who 
have their cases reopened would not be relieved of the obligation to make payments u ntil 
after the effective date of this Act.25 
Implementation of the Existing Law and 
Related Measures 
Implementation of the provisions of the USFSPA has often been confusing and frustrating for 
those involved. Uneven implementation of the law, especial y with respect to the direct pay 
provisions, and the changing definition of disposable pay as the basis for division of retired pay 
have been contributing factors. In addition, changes to other laws affecting the treatment of 
military retired pay with respect to other forms of compensation have also complicated the 
implementation  of USFSPA. 
In 1984, the U.S. General Accounting Office (GAO, now cal ed the Government Accountability 
Office) published a report that examined the implementation of the USFSPA.26 The GAO also 
noted that many of the early implementation problems were related to inconsistent language used 
in court-ordered settlements. Over time, changes to the law and actions by the courts have 
mitigated some of these issues. 
Concurrent Receipt of Retired Pay and Disability Compensation 
In recent years, Congress has addressed an issue concerning the payment of military retired pay to 
retirees who qualify for disability compensation from the Department of Veterans Affairs (VA). 
Disability  payments are excluded from the definition of disposable retired pay. Provisions 
restricting “dual compensation” have been in effect since 1891, when Congress enacted language 
prohibiting the concurrent receipt of a disability pension in addition to pay for past or current 
service.27 As modified in 1941, the law prevented the concurrent receipt of both military 
nondisability retired pay and veteran’s disability compensation. For those eligible for both, 
military retired pay was offset or reduced, dollar for dollar, by VA disability  benefits. For 
example, if a retired servicemember was eligible for $1,000 per month in retired pay and $400 in 
VA  disability benefits, the servicemember would receive $1,000 in retired pay plus $400 in 
disability, minus a $400 reduction in retired pay, for a total of $1,000 before taxes. While retired 
pay is taxable, VA  disability  benefits are tax free, so the retiree would only be taxed on the $600 
of retired pay. 
                                              
25 U.S.  Congress, House,  Committee on Armed Services, National Defense Authorization Act for Fiscal Year 199 1, 
H.Rept. 101-665, H.R. 4739, August 3, 1990: 279; P.L. 101-510, 104 Stat. 1569, November 5, 1990. 
26 U.S.  General Accounting Office, Implementation of the Uniformed Services Former Spouses’  Protection Act, 
October 24, 1984, GAO, NSIAD-85-4, B-214076. 
27 See  CRS  Report R40589, Concurrent Receipt of Military  Retired Pay and Veteran Disability: Background and 
Issues for Congress, by Kristy N. Kamarck and Mainon A. Schwartz. 
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For the purposes of USFSPA, the definition of disposable retired pay excludes VA  disability 
benefits.28 As such, a retiree eligible  for disability compensation could choose to waive retired 
pay in the amount of the disability benefit and, thereby, reduce or eliminate the amount of retired 
pay available  for division in a property settlement. 
The FY2003 and FY2004 National Defense Authorization Acts (NDAAs) introduced two forms 
of concurrent receipt that al owed eligible  servicemembers to receive both retired pay and certain 
disability  compensation. These programs are known as Combat-Related Special Compensation 
(CRSC) and Concurrent Retirement and Disability Program (CRDP). CRSC is special disability 
compensation paid to those with combat-related disabilities and a VA  disability rating of at least 
10%. Servicemembers must apply for this compensation and it is not taxable as income. CRSC is 
not longevity retired pay; it is an additional form of compensation for certain members of the 
Armed Forces.29 Thus payments are not divisible as property under USFSPA. CRDP is 
automatical y paid to those with any service-connected disability that is (1) rated at least 50% or 
greater by the VA, and (2) have 20 years of qualifying military service or were retired under the 
Temporary Early Retirement Act (TERA). CRDP was phased in over a period of 10 years and 
was fully implemented in 2014.30 
During the CRDP phase-in period, some eligible  retirees saw their retired pay increase. For a 
retiree who is divorced and whose spouse has been awarded a percentage of the retired pay, the 
former spouses may also have seen an increase in the dollar amount received. Conversely, for 
those former spouses who were awarded a specific dollar amount of retired pay, changes in the 
total amount received by the retiree under CRDP may not have affected the amount the former 
spouse receives.  
However, certain retired servicemembers with less than a 50% disability rating are not eligible  for 
CRDP and are stil  required to waive retired pay in order to receive VA disability  pay. This can 
result in reductions in the amount of money that a former spouse can claim in a divorce. In cases 
where the servicemember has waived retirement pay for non-divisible disability  pay, some courts 
have ruled that the member must make up the difference in additional payments to the former 
spouse. However, a May 2017 Supreme Court ruling said that the lower courts cannot order a 
veteran to make the extra payments to a former spouse.31 Advocates for spouses of veterans have 
noted that this ruling could have a negative financial impact on former spouses who rely on 
spousal support. Of particular concern for some are former spouses who had put their own careers 
on hold to be caregivers for a disabled spouse.32 
If a retired servicemember applies and is eligible  for CRSC, it is possible that part or al  of 
disposable retired pay could be offset. This may put the former spouse in a situation where, 
regardless of the percentage of the court award, there is zero disposable retired pay to be divided. 
In addition, CRSC payments are retroactive to the date of filing or the enabling legislation on 
January 1, 2003, whichever is later. This means that if the former spouse had been receiving a 
                                              
28 A disabled  individual  is  considered qualitatively in a different category than his/her able-bodied peers (including 
his/her former spouse). T his is based  on the assumption that such an individual  does  not have the same opportunities to 
reenter the work force. Disability pay may be his/her only source of income. It was reasoned that if this pay were 
divided,  and the retiree had no other source of income, the retiree could be forced onto public assistance.  
29 10 U.S.C.  §1413a (g) states that “[p]ayments under this section are not retired pay.” 
30 For more information on concurrent receipt, see CRS  Report R40589, Concurrent Receipt of Military  Retired Pay 
and Veteran Disability: Background and Issues for Congress, by Kristy N. Kamarck and Mainon A. Schwartz. 
31 Howell v. Howell, (2017), “ Held: A state court may not order a veteran to indemnify a divorced spouse for the loss in 
the divorced spouse's  portion of the veteran's retirement pay caused by  the veteran's waiver of retirement pay to receive 
service-related disability  benefits.” 
32 Bushatz, Amy, "Supreme Court Ruling  May Cut Spouses'  Divorce Pension Payments," Military.com, May 18, 2017. 
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portion of the retired pay prior to determination of CRSC eligibility,  DOD may recoup those 
payments from the former spouse. Perceptions of unfair treatment resulting from the CRDP and 
CRSC changes may possibly encourage further legal consideration of already settled divorces and 
have led to cal s for remedial legislative  action. For example, in Section 642 of the Senate 
committee version of the FY2014 NDAA (S. 1197) there was a provision that would have 
protected payments made to former spouses prior to a servicemember’s election of Combat 
Related Special Compensation (CRSC). The final version of the FY2014 National Defense 
Authorization Act (P.L. 113-66) did not include this provision. 
Dual Compensation: Retired Pay and Civil Service Pay 
At one time, the amount of military retired pay available  for division could be reduced by statutes 
concerning “dual compensation” of retired military members employed by the federal 
government as civilians.33 Dual compensation statutes provided that the retired pay of certain 
retirees, depending on their status as regular or reserve officers, or when they entered federal 
civilian  service, was to be reduced or capped at certain limits. There were two categories of dual 
compensation. The first applied only to retired regular officers (i.e., reserve officers and enlisted 
personnel were not affected). Under this restriction, as of December 1, 1993, for example, retired 
regular officers employed by the federal civil service were entitled to the first $9,310.17 (or 
$8,700.93 for those who entered the service after August 1, 1986) of their annual retired pay, plus 
50% of the remainder (the dollar figure is adjusted each year by the same formula used to 
calculate cost-of-living adjustments—COLAs—for military retired pay). 
A second dual compensation restriction applied to all retired military members who were first 
employed by the federal civil service after January 11, 1979. Such retirees who were employed by 
the federal civil service had their combined civil service pay and military retired pay “capped” so 
that it was not equal to or greater than level V of the Executive Schedule. If the combined pay 
exceeded this level V, military retired pay was reduced. 
A former spouse who was awarded a percentage share of a retiree’s military retired pay would 
necessarily receive a reduced amount when total retired pay was reduced because of dual 
compensation restrictions. Such a reduction may have thwarted a court’s intentions and, 
therefore, required the former spouse to seek a court-ordered adjustment of the property 
settlement. 
In 1999, Congress repealed the above “dual compensation” restrictions al owing affected retirees 
to receive their full military retired pay.34 The situation is noteworthy in that in some cases repeal 
had an effect on benefits available to certain former spouses. Hypothetical y, a divorce property 
settlement that provided a fixed amount of retired pay to the former spouse would not be affected 
by this repeal. Nevertheless, had the spouse been awarded a portion of retired pay (stated as a 
percentage), the amount available would have increased following the repeal. Therefore, in this 
latter scenario, both the retiree and former spouse would have experienced an increase in their 
benefits. 
                                              
33 P.L. 88-448; 78 Stat. 484, August 19, 1964, Dual Compensation Act only applies to warrant officers and 
commissioned officers and is not affected by the receipt of disability retired pay. Other dual  compensation laws affect 
all retirees in certain situations. 
34 P.L. 106-65; 113 Stat. 512 at 664, October 5, 1999. 
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Interactions with Other Federal Retirement Systems 
The problems and potential inequities in dividing  military retired pay in a divorce-related 
property settlement are particularly complicated when the servicemember is, or becomes, entitled 
to a pension under the Federal Civil Service Retirement (CSRS), Federal Employees’ Retirement 
System (FERS), or Social Security.35 Since 1957, military service has been subject to Social 
Security payroll taxes and has been counted as covered employment for al  Social Security 
benefits. Thus, military retirees draw benefits from two systems completely independent of each 
other: military retired pay and Social Security. Most federal civilian employees hired before 
January 1, 1984, by contrast, are not covered by Social Security and do not receive Social 
Security based on their period of civil service employment.36 This does not preclude these federal 
civilian  employees from receiving Social Security benefits earned during other periods of 
employment covered by Social Security. 
Various provisions of law (1) permit the crediting of active duty military service under civilian 
retirement systems for the purpose of computing civil service retirement benefits, (2) require the 
reduction of civil service retirement benefits when the retiree first becomes eligible for Social 
Security retirement payments (general y at age 62) if no corresponding deposit to the Civil 
Service Retirement and Disability  Fund (CSRDF) is made for post-1956 military service, and/or 
(3) permit retroactive deposit into the (CSRDF) for post-1956 military service in order to 
eliminate  a recomputation that can take place at age 62 for those with military service credited to 
civilian  retirement systems.37 
A military member who, after retirement, becomes entitled to a civil service annuity can elect one 
of three options pertaining to military retired pay, Social Security, and a civil service annuity.38 In 
each situation, the total income received both by the military retiree and by his/her divorced 
spouse from al  federal retirement systems, civilian and military, could be affected by decisions 
made by the retiree. 
a. Receipt of both military and civil service retirement benefit, as well as Social Security 
benefits based on the years of military service. This wil  provide the retiree with three 
separate retirement benefits—military retired pay, a civil service annuity, and Social Security 
retirement benefit. Coverage of military service under Social Security entitles spouse and 
former spouse (if the marriage lasted at least 10 years) of deceased military retirees to receive 
Social Security spouse survivor benefits based on the deceased retiree’s military service. 
b. Waiver of military retired pay and crediting of all military service to civil service 
retirement, with the amount of civil service pension to be based on total federal service 
(including military service), as well as receipt of Social Security benefits based on his/her 
military service. Under this option, the military retiree would receive two separate benefits—
civil service retirement and Social Security. However, when the retiree reaches age 62, the 
years of military service can no longer be counted toward the civil service annuity (unless a 
                                              
35 For an overview of the Civil Service  Retirement System (CSRS)  and the Federal Employees’ Retirement System 
(FERS),  see CRS  Report 98-810, Federal Em ployees’ Retirem ent System : Benefits and Financing . For an overview of 
Social  Security retirement benefits, see CRS  Report R42035, Social Security Prim er. 
36 Instead, most civilian federal employees hired before 1984 are covered by CSRS.  Most civil servants first hired on or 
after January 1, 1984, however, are covered by the Federal Employees’ Retirement System (FERS). FERS  is integrated 
with Social  Security; that is, FERS  employees pay Social  Security taxes and are fully covered by Social  Security. 
37 For more information on these issues from the civilian federal retirement perspective, see CRS  Report R40428, 
Credit  for Military Service Under Civilian Federal Em ployee Retirem ent System s. 
38 Years of active duty military service may not be double-counted  under  the military and civilian retirement systems. 
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deposit to the CSRDF is made) because they are counted toward Social Security. In this 
situation, the civil service pension is reduced at age 62 when Social Security becomes 
payable. (This reduction in civil service benefits is known as “Catch 62.”) 
c. Selection of the above option (b), and deposit of a lump sum into the CSRDF to avoid a 
reduction in civil service annuity which would otherwise occur when the retiree reached age 
62. Under this option, the military retiree would also receive two separate annuities—civil 
service retirement and Social Security, but the civil service pension would not be reduced at 
age 62.39 Section 306 of the Omnibus Budget Reconciliation Act of 1982 (P.L. 97-253, 
September 8, 1982) al ows federal civilian employees who, because of their prior military 
service, would face “Catch 62,” to avoid the reduction in their civil service annuity at age 62 
by al owing them to deposit into the retirement fund an amount equal to what the retiree 
would have been required to pay into the civil service pension plan had he or she been a 
civilian  federal employee during the time he or she actual y performed military service. The 
deposit must be made before the civilian employee actually retires from federal civil service.40 
“Catch 62” affects military retirees only if they elect to waive receipt of military retired pay in 
order to credit their military service toward federal civil service retirement. Military retirees who 
continue receiving separate military and civil service retirement annuities are not affected by 
“Catch 62” because none of their military service is credited toward civil service retirement. 
Federal Civil Service Retirement and Waiver of Military Retired Pay 
If a military retiree is divorced, later retires from the federal civil service, and elects to waive his 
or her military retired pay and credit his or her military service toward a single civil service 
pension, problems arise in the implementing a court-ordered division of military retired pay under 
the USFSPA. 
Prior to 1996, the waiver of military retired pay reduced the amount of such pay to zero; 
therefore, no direct payments under the USFSPA could be made to the divorced spouse. Whether 
or not it was the intent of the retiree to do so, he or she thereby deprived the former spouse of 
retired pay awarded by a court. The federal civil service pension could then be divided,41 but 
neither the retiree nor the ex-spouse would receive any military retired pay after the retiree began 
to collect his or her civil service benefits. It is possible for the former spouse to ask the court to 
reconsider the property settlement in order to provide for the division of the civil service pension 
given the new circumstances. Nevertheless, that is an uncertain process. 
In 1996, Congress approved language that would al ow a former spouse to continue to receive 
payments based o n a division on military retired pay in instances wherein the retiree waived 
                                              
39 “Catch 62” does not affect only retired military personnel. When a retiree from the federal civil service with any 
previous military service which is credited toward a civil service retirement annuity—regardless of whether or not he or 
she has also retired from a military career—reaches age 62 and becomes  eligible  for Social  Security, the civil service 
pension is recalculated to exclude  the years of military service. In some cases, this means a substantial reduction in 
civil service retirement benefits, and also in total retirement income received from federal sources (i.e., civil service 
retirement plus Social  Security), even with Social  Security added. 
40 T his section merely alludes  to some of the complicated situations that arise due to the interaction of military service, 
civil service retirement, and Social Security. For more information, see CRS  Report R40428, Credit for Military 
Service Under Civilian  Federal Em ployee Retirem ent System s. 
41 For more information on civilian retirement benefits for former spouses, see CRS  Report RS22856, Retirement and 
Survivor Annuities for Form er Spouses of Federal Em ployees. 
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military retired pay in order to credit military service toward a single civil service pension. This  
change was prospective beginning January 1, 1997.42 
Persons Affected by “Catch 62” 
The impact of the USFSPA on military retirees in the “Catch 62” situation and on their former 
spouses is complex. The decision to make a lump-sum payment into the CSRDF so as to avoid a 
reduction in civil service retirement benefits at age 62, and the liability for making the payment, 
belong to the federal civilian  employee alone, regardless of his or her marital status. Retirees 
receive a larger annuity by making this deposit. Thus, the retiree and possibly the former spouse 
can benefit when the deposit is made. If such a military retiree’s ex-spouse’s property settlement 
entitles him/her to a share of the retiree’s civil service pension, the ex-spouse can receive this 
share without incurring part of the cost of making the deposit required to avoid the “Catch 62” 
reduction in civil service retirement at age 62.  
As noted above, prior to 1997, the former spouse whose property settlement entitles him/her only 
to a share of military retirement would be deprived of al  such retirement benefits. The relevance 
and weight given these liabilities  and benefits need to be evaluated on a case-by-case basis. Thus, 
the divorced military retiree employed by the federal government as a civilian employee, and 
potential y subject to the provisions of the USFSPA, faces numerous retirement-related decisions 
that include the complex interactions of the different retirement systems. 
Early Separations 
With the end of the Cold War in 1991, the United  States began to reduce the size of the Armed 
Forces. In order to meet congressional y mandated manpower end-strength (i.e., the number of 
personnel in uniform at the end of the fiscal year), DOD had been provided with a number of 
options for downsizing the force, including involuntary separation pay, incentives for early 
voluntary separation, and early (pre-20-year) retirement.43 
These options may have affected former spouses and military members, since (1) a court may 
consider or may have considered future retired pay as divisible property, although the member 
may not have actual y retired to receive those benefits because of the drawdown, (2) the potential 
amount available  under these programs may be substantial y less than would have been available 
under longevity retirement (retirement after a military career of 20 years or more), (3) Congress 
has neither authorized nor prohibited the courts from considering these separation benefits as 
divisible  property, and (4) national interests (i.e., the size and composition of the military) 
removed from the domain of domestic relations concerns of state courts, are at issue. 
Other Issues for Congress 
Since USFSPA’s inception, chal enges to its implementation have been dealt with by the courts 
and through amendments to the law. The effects of USFSPA are borne by a large number of 
military retirees and their spouses across al  congressional districts; some continue to feel that 
inequities in the law remain and advocate for further review, revision, or repeal of USFSPA 
provisions. 
                                              
42 P.L. 104-201; 110 Stat. 2580; September 23, 1996. 
43 T he authorities for some of these separation incentive programs were subsequently  amended to extend the programs 
through 2001. 
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Military Benefits for Former Spouses: Legislation and Policy Issues  
 
Military Retired Pay and Civilian Pensions 
Military  retired and retainer pay is often compared to, and contrasted with, public or private 
civilian  pension programs. Those aspects of military retired pay that are comparable to civilian 
pensions lead advocates of dividing retired pay in divorce cases to reason that military retired pay 
should be treated similarly, that is, as divisible  property. On the other hand, certain unique aspects 
of military retired pay, and of military service in general, have led opponents to argue that 
military retired pay is qualitatively  different from pensions. They maintain that to treat military 
retired pay as a pension would thwart much of the program’s justification. 
According to DOD, the purpose of providing military nondisability retired and retainer pay is as 
follows: 
To establish a nondisability retirement system and authorize the payment of retired pay for 
service in the armed forces of the United States in order to ensure that (1) the choice of 
career service in the armed forces is competitive with reasonably available alternatives, (2) 
promotion opportunities are kept open for young and able members, (3) some measure of 
economic security  is made available to members after retirement from  career military  
service, and (4) a pool of experienced personnel subject to recall to active duty during time 
of war or national emergency exists.44 
The first and third purposes are directly comparable to reasons given for providing civilian 
pensions. The second purpose is different, in terms of the age at which military members retire. 
Most active component military members become eligible to retire between the ages of 39 and 
45, while civilian pensions usual y require that the beneficiary be much older before benefits 
become available. Al   of these provisions are designed to al ow the military to keep the force 
“young and vigorous,” by permitting the involuntarily  retirement of its members at a relatively 
young age. 
The fourth purpose provides the principal argument for differentiating military retirement benefits 
from civilian pensions. In retirement, military retirees continue to be members of the uniformed 
services and, to an extent, their retired pay serves as compensation for reduced service. Military 
retirees are general y subject to involuntary recal  to active duty as wel  as to certain employment 
restrictions.45 They also remain subject to prosecution in military courts under provisions the 
Uniform Code of Military  Justice.46 
Under most civilian pension plans, retirement benefits are viewed as deferred compensation. In 
other words, pension annuities are based on benefits earned during the period of employment, 
rather than during retirement. Since these pensions may also be earned during the period of 
marriage, pensions are viewed as property that is subject to division in divorce settlements. 
Recent Changes to the Military Retirement System 
Qualified  military members receive a defined pension from the time of retirement or retirement 
eligibility  (in the case of the reserve component) until death. Servicemembers may also make 
contributions to individual retirement accounts through the Thrift Savings Plan (TSP) or through 
                                              
44 Department of Defense, Office of the Secretary of Defense. Military Compensation Background Papers, 7th Edition, 
September 1996, p. 577. 
45 10 U.S.C.  §688 provides the authority to recall retired members to active duty. 
46 Chapter 47, T itle 10 United States Code. 
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other private retirement accounts.47 In the FY2016 NDAA Congress adopted a Blended 
Retirement System (BRS) that applies to servicemembers entering the service on or after January 
1, 2018 and authorized government matching contributions to the TSP up to a certain percentage 
of basic pay.48 In addition, for those entering the service on or after January 1, 2018, their defined 
retirement annuity is calculated using a reduced multiplier.49 The reduction in the multiplier for 
the defined annuity does not change the USFSPA provision al owing the court to award up to 
50% of retired pay to a former spouse. Servicemembers retiring under the BRS stil  receive a 
defined benefit once eligible  for retired pay and are vested in government contributions to their 
TSP accounts after two complete years of service. Vesting for the defined benefit remains 20 
years of creditable service for a regular retirement. 
Funds in a TSP retirement account may be divided in a divorce settlement, and federal statute 
does not limit the percentage that can be awarded to a former spouse in the division of these 
assets. TSP funds are typical y divided based on the amount in the account at the time of 
separation or divorce. The TSP wil  honor a court order that requires payment in the future only if 
the present value of the payee’s entitlement can be calculated to be paid currently.50 When the 
BRS went into effect on January 1, 2018, active duty servicemembers with less than 12 years of 
service and National Guard members and reservists with less than 4,320 points had an 
opportunity to opt into the new system. This could affect servicemembers and spouses who have 
finalized  divorce settlements prior to January 1, 2018. For example, a servicemember who has 11 
years of service and whose former spouse was awarded 50% of his retired pay could have opted 
into the new system. This would reduce the potential monetary value of his/her defined annuity 
and potential y  reduce the amount received by a former spouse.  
Those servicemembers who opted into the new blended retirement system or enter service on or 
after January 1, 2018, wil  also be eligible  to receive a minimum amount of continuation pay 
between 8 to 12 years of service. This could be paid to the member in a lump sum or in four 
instal ments. This payment could be considered to be divisible upon the dissolution of a 
marriage.51 
Another consideration is the BRS provision that al ows servicemembers to opt for a discounted 
lump sum payment of a portion of retired pay at the time of retirement. It is yet unclear whether a 
court order in a divorce settlement could require the servicemember to select either the lump sum 
payment or the monthly annuity for the purposes of division with a former spouse. As eligible 
members begin to retire under the BRS, Congress might consider whether the contributory 
portion of military retirement (TSP individual and matching contributions) should be treated 
differently under USFSPA than the noncontributory, defined annuity.  
                                              
47 T he T SP is a defined  contribution retirement plan similar to the 401(k) plans provided by many employers in the 
private sector. T he income that a retired worker receives f rom the T SP will depend  on the balance in his or her account. 
For more information see CRS  Report RL30387, Federal Em ployees’ Retirem ent System : The Role of the Thrift 
Savings Plan, by Katelin P. Isaacs. 
48 Servicemembers  with less  than 12 years of service on January 1, 2018 were also allowed  to opt into the BRS.  For 
more information see CRS  Report RL34751, Military Retirem ent: Background and Recent Develo pm ents, by Kristy N. 
Kamarck. 
49 T he multiplier for those who entered service before January 1, 2018 is 2.5% for each year of service; the reduced 
multiplier is 2.0%. T he formula for calculating military retired pay is the number of years of service times the 
multiplier times the average of the highest three years of salary.  
50 See  T hrift Savings Plan, Court Orders  and Powers of Attorney, September 2014, p. 4, 
https://www.tsp.gov/publications/tspbk11.pdf.  
51 Sullivan,  Col. (Ret.) Mark E., SILENT PARTNER: The Blended Retirement System and Divorce, American Bar 
Association, Family Law  Section, Raleigh, NC, 2016, http://www.americanbar.org/content/dam/aba/administrative/
family_law/committees/blendretsystem.authcheckdam.pdf. 
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Pay Grade at Retirement v. Pay Grade at Divorce 
Military  retired pay is calculated based on an individual’s pay grade and years of service at the 
time of retirement (typical y 20 or more years). In some divorce cases prior to 2017, divisible 
retired pay was calculated based on years of service at the servicemember’s retirement, even if 
the divorce occurred many years prior to the retirement. Some were concerned that the division of 
the retired pay at the time of retirement and not at the time of divorce created an inequity for the 
servicemember and subsequent spouses. This issue was raised by DOD and others in the initial 
consideration of the USFSPA. As stated by Dr. Lawrence J. Korb, then-Assistant Secretary of 
Defense for Manpower, Reserve Affairs, and Logistics with regard to the proposed bil , 
I  believe the provisions in the first section in this bill  to divert up to 50  percent of a 
servicemember’s disposable retired pay would be inequitable unless the 50 percent limit is 
computed as if the member could retire at the time of the final court order. Pay increases 
for promotions and longevity from the data of divorce to the date of retirement would 
substantially increase a serviceman’s retired pay. If subsequent raises could be included, 
they would constitute windfall benefit for the former spouse to which he or she had made 
no contribution.52 
The National Defense Authorization Act for FY2017, enacted on December 23, 2016, included a 
provision (Section 641) that requires divisible retired pay to be calculated based on “the amount 
of basic pay payable to the member for the member’s pay grade and years of service at the time 
of the court order” instead of at the time of retirement.  
Some have argued that this revision to USFSPA wil  add unnecessary complexity to legal 
processes in many states that already have a rule or rules in place to al ow for equitable 
discounting of a former spouse’s military pension benefit.53 Others argue that the frozen accrued 
benefit method is the most equitable approach and should continue to be a federal statutory 
requirement. 
Remarriage of a Former Spouse 
Some benefits to former spouses, such as commissary privileges and medical care, terminate after 
the remarriage of a former spouse. However, pension payments to the former spouse continue 
after remarriage until the retired servicemember’s death. Some military retiree advocacy groups 
argue that the absence of a remarriage clause is inconsistent with the treatment of other federal 
retiree and benefit programs.54 In addition, there is the possibility for multiple payments to a 
single individual.  For example, a former spouse could be awarded 50% of a servicemember’s 
                                              
52 S.Rept. 97-502. 
53 At least six states had already been using  the “frozen accrued benefit” or “date of divorce” method for pension 
valuation which fixes the retirement benefit at the time of separation or divorce. In addition, a majority of states used 
the “time rule” or “date of retirement” method for valuing and dividing  a defined benefit plan in divorce cases which 
took into account the longevity of the marriage during the member’s service and gives the servicemember credit for 
subsequent  service time and promotions. For more information on methods for calculating the marital share of a 
military pension, see Sullivan,  Mark, E., Military Divorce Handbook: A Practical Guide  to Representing Military 
Personnel and T heir Families, 2nd ed.  (American Bar Association, 2011) , p. 536. For more information on how the 
“time rule” is applied, see Moss, Anne E., Your Pension Rights at Divorce: What Women Need to Know, 3rd ed. 
(Pension Rights Center, 2006), pp. 20-25. http://www.pensionrights.org/pubs/books/divorcebook/
YourPensionRightsAtDivorce%20Part%202 -
%20State%20Divorce%20Law%20and%20Your%20Pension%20Rights.pdf. 
54 For example under  the Social Security system, benefits of a former spouse terminate after remarriage of the former 
spouse. 
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retired pay and then remarry and subsequently divorce a second military spouse with an 
additional award of 50% of the second servicemember’s retired pay. Previous Congresses have 
proposed changes to USFSPA that would terminate payments upon remarriage of a former 
spouse. These amendments have not been enacted.  
Working Spouses and Dual-Service Couples 
In deliberations leading up to the enactment of the USFSPA, the Senate Armed Services 
Committee stated the following: 
Military spouses are still expected to fulfill an important role in the social life and welfare 
of the military community. Child care and management of the family household are many 
times solely the spouse’s responsibility.55 
Nevertheless, since 1982 the nature of military families and family life has changed. Female 
representation in the Armed Forces has increased from 11% to 16%,56 same-sex spouses are 
al owed to receive benefits,57 and the number of dual-service married couples has more than 
doubled. In 2019, dual-service marriages accounted for 6.8% of al  active duty marriages.58 Over 
half of married females in the Marine Corps (59.3%) and Air Force (53.6%) are married to other 
servicemembers.59 
Frequent moves, deployments, and other hardships continue to create chal enges for civilian 
spouses of military members. In general, female military spouses are employed at lower rates and 
earn less than their female counterparts married to civilians.60 However, some civilian spouses of 
military members may have equivalent or greater earning potential in their careers. These civilian 
and dual military spouses may not be contributing to management of the family household in the 
same way as perceived in 1982 when the USFSPA was first enacted.  
The intent of the USFSPA remains equitable treatment by the courts of benefits earned through 
military service or affiliation. In the past, fundamental definitions and inconsistent application or 
interpretation of the law have mitigated against this intent. In addition, new laws that affect 
military benefits but are not directly related to the USFSPA may have unintended effects on 
equitable division of already settled or future divorce cases. 
                                              
55 S.Rept. 97-502. 
56 Defense Manpower Data Center, Active Duty Master Personnel File, T able of Active Duty Females by Rank/Grade 
and Service, January 2018, available at https://www.dmdc.osd.mil/appj/dwp/dwp_reports.jsp. 
57 On December 22, 2010, gay servicemembers were  authorized to serve openly; however same-sex partners were 
ineligible  for certain federal benefits under  the Defense of Marriage Act (DOMA).  Following  the June 26, 2013, 
Supreme  Court decision  on United States v. Windsor  holding sections of DOMA unconstitutional, DOD issued  a new 
policy extending all military benefits for married couples to same-sex couples. For more information see CRS  Report 
R44321, Diversity, Inclusion, and Equal Opportunity in the Arm ed Services: Background and Issues for Congress ,  by 
Kristy N. Kamarck. 
58 Department of Defense, 2019 Demographics: Profile of the Military Community, 2014, p. iv.  
59 Ibid., p. 50. 
60 For more information, see CRS  Report R46498, Military Spouse Employment, by Kristy N. Kamarck, Barbara L. 
Schwemle,  and  Sofia Plagakis. 
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Author Information 
 
Kristy N. Kamarck 
   
Specialist in Military Manpower  
    
 
Acknowledgments 
This report updates previous CRS research and reports authored by David F. Burrelli. 
 
Disclaimer 
This document was prepared by the Congressional Research Service (CRS). CRS serves as nonpartisan 
shared staff to congressional committees and Members of Congress. It operates solely at the behest of and 
under the direction of Congress. Information in a CRS Report should n ot be relied upon for purposes other 
than public understanding of information that has been provided by CRS to Members of Congress in 
connection with CRS’s institutional role. CRS Reports, as a work of the United States Government, are not 
subject to copyright protection in the United States. Any CRS Report may be reproduced and distributed in 
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