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Reserve Component Survivor Benefit Plan (RCSBP)

The Reserve Component Survivor Benefit Plan, or “RCSBP”, provides the same benefits to survivors of Reserve or Guard retirement-eligible servicemembers.

Reserve or Guard members may enroll in RCSBP when they become eligible for retired pay. At that point, there are three options for enrolling in RCSBP:

Take Advantage

Option A: You can decline to participate, but can still enroll if and when you

  • Get married (within one year of marriage)
  • Begin receiving retired pay at age 60

Option B: You can defer the annuity payments until the date of your 60th birthday (also called a “deferred annuity”).

Option C: You can elect have the annuity payments paid immediately upon your death (also called an “immediate annuity”).

To enroll in RCSBP, visit http://www.dtic.mil/whs/directives/forms/eforms/dd2656-5.pdf to download DD Form 2656-5, “Reserve Component Survivor Benefit Plan (RCSBP) Election Certificate”.

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