미군이 전쟁이나 복무 중 사망할 경우 가족이 받는 보상금은 다음과 같습니다:
주요 보상금 종류
1. 사망 위로금 (Death Gratuity)
- 금액: $100,000 (일시금)myarmybenefits.army+4
- 세금 면제: 연방 및 주 소득세 면제irs+1
- 지급 대상: 지정된 수혜자 또는 법정 상속 순위에 따라 지급
- 목적: 사망 직후 즉각적인 재정적 어려움을 돕기 위한 긴급 자금
2. 군인생명보험 (SGLI)
- 최대 보장: $500,000firstcommand+3
- 2025년 보험료: 월 $26 (이전 $31에서 인하)militarytimes+2
- 자동 가입: 모든 현역, 예비군, 방위군에게 자동 적용
- 보장 단위: $50,000 단위로 조정 가능firstcommand+1
3. 부양가족 및 보상금 (DIC – Dependency and Indemnity Compensation)
- 2025년 기본 금액: 월 $1,653.07military+2
- 추가 수당:
- 8년 조항 해당 시: 월 $351.02 추가veteran+1
- 18세 미만 자녀당: 월 $409.53military+1
- 개호 필요 시: 월 $409.53veteran+1
- 거택보호 필요 시: 월 $191.85military+1
4. 생존자 급여 계획 (SBP)
- 지급률: 퇴역 연금의 최대 55%를 평생 지급dfas+1
- 대상: 퇴역한 군인의 사망 시 배우자 및 자녀
총 보상금 규모
전사자 가족이 받을 수 있는 총 보상금은 상황에 따라 다르지만:
- 즉시 지급: $600,000 (사망위로금 $100,000 + SGLI $500,000)
- 월 지급: $1,653~$3,388 (기본 DIC부터 추가 수당 포함 시까지)va+1
- 평생 지급: SBP를 통한 퇴역연금의 55% (해당자에 한함)
이러한 보상금은 모두 세금이 면제되며, 사망 원인에 관계없이 동일하게 적용됩니다. 2025년에는 생명보험료 할인과 DIC 인상률 적용으로 가족들에게 더 나은 혜택을 제공하고 있습니다.militarypay.defense+5
- https://myarmybenefits.us.army.mil/benefit-library/federal-benefits/death-gratuity-?serv=122
- https://militarypay.defense.gov/benefits/death-gratuity/
- https://myarmybenefits.us.army.mil/benefit-library/federal-benefits/death-gratuity-
- https://www.mynavyhr.navy.mil/Support-Services/Casualty/Benefits-and-Entitlements/Death-Gratuity/
- https://www.militaryonesource.mil/casualty-mortuary-affairs/casualty-assistance/death-gratuity/
- https://www.irs.gov/newsroom/military-family-tax-benefits
- https://www.firstcommand.com/coaching-center/financial-resources/military-life-insurance/
- https://www.militarytimes.com/news/your-military/2025/03/06/what-troops-need-to-know-about-life-insurance-in-2025/
- https://myairforcebenefits.us.af.mil/Life-insurance-premiums-discounted-for-service-members-spouses-and-Veterans
- https://www.benefits.va.gov/insurance/sgli-increase-faqs.asp
- https://www.military.com/benefits/survivor-benefits/dependency-and-indemnity-compensation.html
- https://www.operationfamilyfund.org/va-benefits-2025-update-what-every-veteran-family-should-know/
- https://veteran.com/dependency-indemnity-compensation/
- https://www.dfas.mil/RetiredMilitary/newsevents/news/Survivor-SBP-Newsletter/April-2025-SBP-Annuitant-is-a-Minor-Child/
- https://www.firstcommand.com/coaching-center/military-life/survivor-benefit-plan-sbp/
- https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/survivor-rates/past-rates-2023/
- https://www.wcpinst.org/source/house-addresses-death-gratuities-for-military-children/
- https://www.mynavyhr.navy.mil/Portals/55/Support/Casualty/CACO/ActiveDutyBenefits%20March%202025.pdf?ver=7rzDJ_HgoqPNSw7C_KP5cw%3D%3D
- https://hayes.house.gov/2025/1/hayes-reintroduces-the-bipartisan-caring-for-survivors-act-to-support-surviving-veteran-and-military-families
- https://www.benefits.va.gov/INSURANCE/spring2025-discount-faqs.asp
- https://www.dfas.mil/RetiredMilitary/newsevents/newsletter/June2025-Direct-Remittance-Changes-Coming/
- https://www.military.com/benefits/survivor-benefits/veteran-s-death-pension.html
- https://militarypay.defense.gov/Benefits/Servicemembers-Group-Life-Insurance/
- https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/survivor-rates/
- https://8tharmy.korea.army.mil/sja/assets/doc/legal/SGLI_Information.pdf
- https://www.military.com/benefits/survivor-benefits
- https://www.everycrsreport.com/reports/RL32769.html
- https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/
- https://veteransaidbenefit.org/forms/VA%202025%20Rates%20for%20Burial,%20Special%20Benefits,%20Grants%20and%20Special%20Allowances.pdf
- https://myarmybenefits.us.army.mil/benefit-library/federal-benefits/burial-and-memorial-benefits-?serv=128
- https://www.military.com/benefits/survivor-benefits/surviving-family-benefits.html
- https://myarmybenefits.us.army.mil/Benefit-Library/Federal-Benefits/VA-Survivors-Pension-?serv=124
- https://www.dav.org/get-help-now/veteran-topics-resources/survivors/
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