Preparing for deployment involves more than packing gear and saying goodbyes—it also requires ensuring your legal and financial affairs are in order. A well-prepared legal checklist can provide peace of mind and protect your loved ones while you’re serving your country. Here’s a comprehensive guide to what every service member should address before deployment.
1. Update or Create Your Will
A will outlines how you want your assets distributed and who will care for your minor children in your absence. Without a will, state laws determine these matters, which may not align with your wishes. Visit your base legal office to draft or update your will, often at no cost.
2. Establish a Power of Attorney (POA)
A POA allows someone you trust to handle your financial or legal matters while you’re deployed. There are two main types:
- General POA: Grants broad authority but can be risky if misused.
- Special or Limited POA: Grants specific powers for tasks like selling property or accessing bank accounts.
Work with a legal advisor to determine the best option for your situation.
3. Review Your SGLI Beneficiary Designation
Service members automatically qualify for Servicemembers’ Group Life Insurance (SGLI), but it’s crucial to ensure your beneficiary information is accurate and up to date. Double-check designations to avoid unintended disputes or outdated information.
4. Prepare a Family Care Plan
If you’re a single parent or part of a dual-military family, a Family Care Plan is essential. This document outlines care arrangements for your dependents during your deployment. It should include:
- Designated guardians.
- Medical and financial arrangements.
- Instructions for day-to-day care.
5. Secure Housing and Property Arrangements
- Lease or Mortgage: If you’re renting or own a home, ensure payments are automated or assign this responsibility through a POA.
- Servicemembers Civil Relief Act (SCRA): Familiarize yourself with SCRA benefits, which may include protection against eviction, reduced interest rates, and the ability to terminate a lease early without penalty.
6. Review Your Medical and Life Insurance Policies
Beyond SGLI, verify other life insurance policies and ensure your coverage meets your family’s needs. Update emergency contact information and ensure your family knows how to access TRICARE benefits while you’re away.
7. Prepare Legal Documents for Your Family
Your family should have access to:
- Birth certificates.
- Marriage certificates.
- Social Security cards.
- Passports.
- Copies of insurance policies.
Having these documents on hand will make it easier for your loved ones to manage affairs while you’re deployed.
8. Discuss Financial Planning
- Budgeting: Set up a financial plan to cover expenses during deployment.
- Automatic Payments: Automate bills to avoid missed payments.
- Emergency Fund: Establish a reserve for unexpected costs.
9. Enroll in a Legal Assistance Program
Most military installations offer free legal assistance for service members. Attorneys can help draft documents, provide advice, and ensure you’re fully prepared before deployment.
10. Communicate Your Plans
Discuss your arrangements with your family and trusted individuals. Ensure they know where to find essential documents and how to reach your legal representative if needed.
Final Thoughts
Deployment comes with many responsibilities, but addressing legal matters in advance will ease your mind and protect your loved ones. Take advantage of the resources available through your military installation, and don’t hesitate to seek professional advice when needed.
By completing this checklist, you’ll be ready to focus on your mission, knowing your affairs are in order at home.
Written By: HelpVet.net
Photo Credit: Canva
