Military Divorce: What You Need to Know
Kate Stapleton • September 10, 2020
Military divorces and separations are unique. These cases are different from civilian divorces in that they bring special, military-only benefits to the bargaining table—specifically, military retirement and health benefits. Strict rules apply to these benefits a spouse will maintain post-divorce. Whether you or your spouse are in the military, in active duty, in the reserves, or retired, it is very important that you work with an attorney with experience in military divorce.
Below are a few points that a service member (active duty, reserves, or retired) and his/her spouse should be sure to discuss with an attorney.
Division of a Military Pension
Service members who serve at least 20* active duty years (or have the equivalent in reserves points), or who are medically retired, will draw a pension, also referred to as an annuity. The portion of that pension that comes from DFAS (Defense Finance and Accounting Service) is divisible at divorce. The portion that comes from the VA (Veteran’s Affairs) is intended to make the service member whole, and is not divisible. *This is under the old, “legacy” system. The retirement system for military members has recently changed. Please see “Recent Law Changes”, below.
Below are a few points that a service member (active duty, reserves, or retired) and his/her spouse should be sure to discuss with an attorney.
Division of a Military Pension
Service members who serve at least 20* active duty years (or have the equivalent in reserves points), or who are medically retired, will draw a pension, also referred to as an annuity. The portion of that pension that comes from DFAS (Defense Finance and Accounting Service) is divisible at divorce. The portion that comes from the VA (Veteran’s Affairs) is intended to make the service member whole, and is not divisible. *This is under the old, “legacy” system. The retirement system for military members has recently changed. Please see “Recent Law Changes”, below.
TRICARE and Base Privileges (PX and Commissary)
- If during a 20-year+ marriage, the service member has at least 20 years’ active duty service or the equivalent in reserves points: (1) any portion of the service member’s pension that is allocated to the spouse at divorce may be directly deposited from DFAS and into the spouse’s account; (2) the spouse may keep TRICARE benefits for life so long as he/she does not remarry or obtain healthcare from an employer; and (3) the spouse maintains base privileges for life. If you have only been married for 10 years or 15 years, you may qualify for some of these benefits as well. Be sure to discuss with an attorney.
- If you are a military spouse not eligible for continued TRICARE, your TRICARE benefits will terminate at midnight the day before your final divorce judgment is entered. You should look into CHCBP (a military version of COBRA) before your TRICARE benefits expire. Some are eligible for CHCBP for a limited time, and some are eligible for life.
Do Not Leave Assets on the Table
- SBP (Survivor Benefit Plan) – talk with your lawyer about this. If the service member draws a pension, he or she may pay a relatively low monthly fee to allow the spouse to collect the service member’s pension if the service member predeceases the spouse.
- SGLI (Servicemembers' Group Life Insurance) – All service members are automatically enrolled in this low-cost life insurance plan upon entering military service. SGLI can be maintained into retirement, as well, and remains a low-cost option.
Servicemembers Civil Relief Act
You may be wondering about the Servicemembers Civil Relief Act (SCRA), which entitles a deployed service member to stay (delay) family law proceedings during deployment and during their R&R period following deployment. The stay is not automatic. Talk with your lawyer about the SCRA.
Recent Law Changes
2017 National Defense Authorization Act
- Under the old rule, qualifying, divorced spouses of military members were granted a percentage of the marital portion (the portion of the pension earned during the marriage) based on the service member’s rank and years of service at retirement.
- Under the current rule, qualifying spouses are granted their portion based on the service member’s rank and years of service at the time of divorce.
In 2018, the retirement benefit system for service members was completely revamped, and is now both more competitive with major civilian employers and much more beneficial to members who serve fewer than 20 years. This means that now, even service members with only a few years’ service will have a divisible pension at divorce. The new system applies to new military members and to those who joined after 2006 and opted in to this new plan during the 2018 opt-in period.
- The TSP (Thrift Savings Plan – this functions like a 401(k)) is still the primary retirement vehicle for service members, but is no longer elective. Everyone is automatically enrolled.
- The military automatically contributes 1% of the service member’s base pay to the TSP after 60 days of service, and matches up to 5% of service member contributions after two years of service. The TSP vests after two years.
- Military pension is now 2% of base pay times number of years of service (slightly down from 2.5% under the old system)
- Retired members may elect to take a portion of their pension in a lump sum.
An attorney experienced in military divorce will be able to discuss these issues with you, along with other details of your military life that make your case unique. We are proud to serve U.S. Military members and their families at the Center for Family Law.
We are proud to share that the Center for Family Law ha s received the Gerald R. Ortbals Law Practice Award at the 2026 For the Common Good Awards, presented by Legal Services of Eastern Missouri (LSEM). The ceremony was held in August at the Ritz-Carlton, bringing together the region's legal community to celebrate outstanding contributions to access to justice. A Firm-Wide Commitment to Pro Bono Service The Ortbals Award recognizes The Center for Family Law's longstanding dedication to pro bono service. The firm's attorneys have consistently been among LSEM's most active, reliable, and supportive partners for family law referrals. Family law cases are rarely simple. They often sit at the intersection of a client's safety, stability, and the wellbeing of their family. The attorneys who take on this work do so knowing the stakes are personal and the outcomes matter deeply to the people they represent. While LSEM has previously honored individual attorneys from the firm for their pro bono contributions, this year's award is different: it celebrates The Center for Family Law as a whole. It reflects a culture, built over more than two decades, where taking on complex, often difficult family law matters for clients who could not otherwise afford representation isn't the exception, it's the norm. That kind of consistency does not happen by accident. It is the result of firm leadership prioritizing pro bono work, attorneys stepping up case after case, and a shared belief that access to skilled legal counsel in family law matters shouldn't depend on a client's ability to pay. Thank you LSEM for this honor !
We're delighted to announce that our attorneys' hard work and commitment to clients has once again been recognized by their peers. This year, four members of The Center for Family Law team have earned spots in the 2027 edition of Best Lawyers. Ann Bauer - Best Lawyers list for family law, family law mediation, and collaborative law (family law). This marks Ann's 13th year on the list. Allison Gerli - Best Lawyers list for family law, family law mediation, and collaborative law (family law). This is Allison's 4th year of recognition. Kristen Sparks - Named to the Best Lawyers "Ones to Watch" list for family law, family law arbitration & mediation, and alternative dispute resolution. This is Kristen's 2nd year being honored. Hallie Van Duren - Named to the Best Lawyers list for family law, family law mediation, and collaborative law (family law). This is Hallie's 3rd year of recognition. In addition, The Center for Family Law itself has been named a Best Law Firm for 2027 in St. Louis as Tier 1 for Family Law and Family Law Mediation. About Best Lawyers Since 1983, Best Lawyers has stood as one of the most trusted guides to legal excellence. Attorneys featured in The Best Lawyers in America are nominated and reviewed by their peers based on professional skill, and each undergoes a thorough verification process confirming they are actively practicing and in good standing. About The Center for Family Law. Founded in 2013, The Center for Family Law offers full-service representation across all areas of family law, guided by a philosophy of partnership with clients and fellow professionals. We believe an attorney's role is to work alongside clients — helping them understand their options and giving them the knowledge and confidence to make sound decisions for their future. To schedule a consultation, click here .
The Center for Family Law celebrates Courtney Green's recognition at the 2026 Missouri Lawyers Media Women’s Justice Awards in the Mentor category, recognizing her outstanding contributions to the legal profession and her commitment to the development of attorneys starting their careers. The 28th annual Women’s Justice Awards on April 16, 2026 celebrated women across Missouri who exemplify leadership, integrity, service, and excellence in advancing the quality of justice. Honorees are selected from diverse sectors of the legal community, including private practice, the judiciary, public service, academia, and nonprofit leadership. The Mentor Award is presented to experienced legal professionals who have played a meaningful role in shaping the careers of emerging attorneys. Throughout Courtney's career, which she has spent with The Center for Family Law, she has demonstrated a deep dedication to mentorship, offering guidance, encouragement, and opportunities to those entering the profession, both in and out of the firm. Courtney has been devoted to fostering professional growth and helping cultivate the confidence and skills of future leaders in the law. Please join us in congratulating Courtney on this well-deserved recognition. We are honored to have her as part of our firm and grateful for the example she sets within our profession and community.