My Sponsor Died After Retiring From the National Guard or Reserve

You may qualify to continue or buy TRICARE Retired Reserve coverage.

If You Already Have TRICARE Retired Reserve

• You can use TRR until the day your sponsor would have turned age 60.
• Your family member coverage automatically changes to survivor coverage.
• You can choose to opt out of survivor coverage.

If You Don’t Already Have TRICARE Retired Reserve

If only your sponsor had TRR when they died, you can buy TRR coverage at any time before your sponsor would have turned age 60. 

• For coverage to begin the day after your sponsor’s death, submit your enrollment application within 90 days of your sponsor’s death.
• If you don’t submit it within 90 days, coverage will begin the first of the month after the application is submitted.

All of the following must apply:

• Your sponsor had TRR when they died. (If your sponsor didn’t have TRR before they died, you can’t buy coverage.)
• You’re an eligible beneficiary (for example, a spouse or child).
• You’re listed in the Defense Enrollment Eligibility Reporting System.
• Your coverage would begin before the date your sponsor would have turned age 60.

The Federal Employee Health Benefits Program doesn’t affect your survivor coverage.