Friday, October 23, 2009

Shipping Items home from the war front...

From souvenirs to additional equipment, it is surprising just how much “stuff” service members acquire during their deployment. Most service members, after spending a year in a deployed environment, will accumulate a tremendous amount of property. I was surprised at how much “stuff” I had acquired after only being in Kuwait for 1 year. It should then come as no surprise that after spending two years in the desert, I pretty much amassed a small museum of artifacts and items that I had picked up along my travels throughout the Middle East.

The question that comes up often among service members deals with shipping personnel property back home. The answer is not as simple as one might think. Making a hasty decision could cost you hundred dollars in unnecessary packaging and shipping expenses at the post office. All too often service members will pay hundreds of dollars to ship their items home. However, there is an avenue of shipping your personnel property home that cost nothing.

The Central Receiving and Shipping Point or “CRSP Yard” as it has come to be known in some circles is a great opportunity for service members to ship large amounts of personnel property home at no cost. Well actually the items are not sent to your home but to a military center closet to your home. From there, you must retrieve the items.

You may ask yourself why do this when all you may want to do is put everything in your unit designated “conex”? That may be an option; however, most unit conexs have to be packed for shipment as much as 45 days prior to the unit departing from theater. Most importantly not all deployed service members will return to the home station of the unit they deployed with.

As an example, when I was deployed in 2006, I was considered an Individual Agmentee (IA). My Reserve Unit was a unit in Michigan but my deploying unit, with whom I had no previously relationship with, was in South Carolina. Sending my personnel items in the Unit conex of the South Carolina unit would make no sense as I live in Michigan and that is were I would return. Also, the unit I deployed with left a year prior to my redeployment in 2008.

Shipping my property through the Central Shipping and Receiving Point or “CRSP Yard” was the perfect choice for me. However, it is important to point out that you will still have the restriction on items sent in the mail in much the same way as you would at the post office. For example you will not be able to mail back hazardous material, weapons, or classified material in most cases.

Arrangements may have to be made for customs agents to inspect your shipment prior to mailing. However, if you are willing to undergo a few minor inconvenaces, the “CRSP Yard” may be the way to go when shipping personnel property home.

Monday, October 5, 2009

Service Member's Group Life Insurance

Life Insurance is a very important and valuable benefit for service members. At the time I wrote my book, The Service Member’s Guide to Deployment; What every Soldier, Sailor, Airmen and Marine should know prior to being deployed., service members who died while on active duty received up to $400,000 and under certain situations could receive even more money. Servicemembers' Group Life Insurance or SGLI is life insurance policy the covers service members who die or are killed. The money is paid directly to the named beneficiary or beneficiaries upon the death of the service member. This money could also be used to fund a Trust. The trustee would then carry out the wishes of the deceased service member. Additionally, there are other monies paid to the family upon the death of a service member in combat. I discuss those benefits in greater detail in my book.

It is very important that as a service member you review your SGLI policy to include beneficiary information for changes or necessary modifications. A thorough review of your insurance policy is a must and should be done yearly regardless of your deployment status. You need to review your beneficiary information just in case something unfortunate happens to you the service member. You want to make certain that the person receiving the death benefit actually is the intended recipient or beneficiary. You certainly want to ensure your intended beneficiary is provided for if you are killed while serving your country.

I know of several cases where because the service member did not update their SGLI policy, an ex-spouse or someone other then the intended beneficiary received the insurance money. In situations like that, there is little the intended beneficiary can do, especially without court intervention. Even then, the intended beneficiary has very little to adequately show they were the intended beneficiary. Think of it this way, if it were that easy to contest the named beneficiary, courts would be tied up more then they are already with cases of folks trying to overturn what the court assumes is the “will” of the deceased. If you find yourself in a situation like that, contact an attorney immediately to discuss all of your possible options.