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The Survivor Benefit Plan Optional Child Annuity Repeal: Impacts and Adverse Effects

RAND | 2026-04-28 | defense

Topics: United States, Defense

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English Summary

This RAND report analyzes the repeal of the Survivor Benefit Plan (SBP) Optional Child Annuity, a provision that previously allowed payments to dependent children without an offset. While the repeal created uncertainty for child beneficiaries, the analysis concludes that the resulting financial hardship and administrative issues are currently relatively small in scale. Key evidence shows that thousands of accounts are facing eligibility verification issues following the repeal. Therefore, the authors recommend improving administrative guidance for beneficiaries seeking payment restoration rather than advocating for major legislative changes to the SBP.

中文摘要

這份蘭德公司(RAND)報告分析了「倖存者福利計畫」(Survivor Benefit Plan, SBP)中「可選擇子女年金」(Optional Child Annuity)條款的廢除。該條款先前曾允許向受撫子女支付款項,且無需進行抵扣。儘管廢除該條款為子女受益人帶來了不確定性,但分析結論指出,由此產生的財務困境和行政問題目前規模相對較小。關鍵證據顯示,廢除條款後,數千個帳戶正面臨資格驗證問題。因此,作者建議改善針對尋求恢復支付的受益人所提供的行政指導,而非主張對 SBP 進行重大立法變革。

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