Title 10 — Armed ForcesRelease 119-73

§12525 Benefit amounts

Title 10 › Subtitle Subtitle E— - Reserve Components › Part PART II— - PERSONNEL GENERALLY › Chapter CHAPTER 1214— - READY RESERVE MOBILIZATION INCOME INSURANCE › § 12525

Last updated Apr 6, 2026|Official source

Summary

Sets the monthly benefit at $1,000 for an insured member, with options to pick half that amount or an enhanced amount. The enhanced choices are nine options from $1,500 up to $5,000 in $500 steps. If service in a period is less than a month, payment is prorated by taking one‑thirtieth of the monthly rate and multiplying by the number of days served. The Secretary must check inflation each year and adjust those dollar amounts to keep their buying power the same. After adjustment, amounts are rounded to the nearest $10, except if they end in $5 but not $10, they are rounded down to the next lower $10.

Full Legal Text

Title 10, §12525

Armed Forces — Source: USLM XML via OLRC

(a)The basic benefit for an insured member under the insurance program is $1,000 per month (as adjusted under subsection (d)).

(b)Under the regulations prescribed by the Secretary, a person enrolled for coverage under the insurance program may elect—

(1)a reduced coverage benefit equal to one-half the amount of the basic benefit; or

(2)an enhanced benefit in the amount of $1,500, $2,000, $2,500, $3,000, $3,500, $4,000, $4,500, or $5,000 per month (as adjusted under subsection (d)).

(c)The amount of insurance payable to an insured member for any period of covered service that is less than one month shall be determined by multiplying 1⁄30 of the monthly benefit rate for the member by the number of days of the covered service served by the member during such period.

(d)(1)The Secretary shall determine annually the effect of inflation on benefits and shall adjust the amounts set forth in subsections (a) and (b)(2) to maintain the constant dollar value of the benefit.

(2)If the amount of a benefit as adjusted under paragraph (1) is not evenly divisible by $10, the amount shall be rounded to the nearest multiple of $10, except that an amount evenly divisible by $5 but not by $10 shall be rounded to the next lower amount that is evenly divisible by $10.

Reference

Citations & Metadata

Citation

10 U.S.C. § 12525

Title 10 — Armed Forces

Last Updated

Apr 6, 2026

Release point: 119-73