Contents
The DD 2656 form plays a crucial role in the benefits process for military service members and their families. This form, often referred to as the "Data for Payment of Retired Personnel," is essential for those transitioning into retirement or separating from service. It captures vital information that ensures retired personnel receive their correct pay and benefits. By completing this form, service members provide details such as their personal information, military service history, and designated beneficiaries. Additionally, the DD 2656 includes options for selecting various retirement pay plans and benefits, which can significantly impact a retiree's financial future. Understanding the intricacies of this form is important, as it can influence everything from health care coverage to survivor benefits. Properly filling out the DD 2656 helps streamline the process of receiving retirement benefits, ensuring that service members can focus on their next chapter with peace of mind.
Preview - DD 2656 Form
Page 1 of 6
DD FORM 2656, MARCH 2022
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
Controlled by: OUSD(P&R)
CUI Category: PRVCY
LDC: FEDCON
POC: [email protected]
DATA FOR PAYMENT OF RETIRED PERSONNEL
OMB No. 0704-0569
OMB approval expires:
20230731
The public reporting burden for this collection of information, 0704-0569, is estimated to average 15 minutes per response, including the time for reviewing instructions, searching existing data sources, gathering and
maintaining the data needed, and completing and reviewing the collection of information. Send comments regarding the burden estimate or burden reduction suggestions to the Department of Defense, Washington
Headquarters Services, at [email protected]. Respondents should be aware that notwithstanding any other provision of law, no person shall be subject to any penalty for
failing to comply with a collection of information if it does not display a currently valid OMB control number.
PRIVACY ACT STATEMENT
AUTHORITY: 10 United States Code (U.S.C.) Chapter 71, Computation of Retired Pay; 10 U.S.C. 73, Annuities Based On Retired Or Retainer Pay; DoD Instruction 1332.42, Survivor
Benefit Plan; and DoD Financial Management Regulation, 7000.14-R, Volume 7B.
PRINCIPAL PURPOSE(S): To collect information needed to establish a retired/retainer pay account, including designation of beneficiaries for unpaid retired pay, state tax withholding
election, information on dependents, and to establish a Survivor Benefit Plan election.
ROUTINE USE(S): To the Department of Veterans Affairs (DVA) regarding establishments, changes and discontinuing of DVA compensation to retirees and annuitants. To former
spouses for purposes of providing information, consistent with the requirements of 10 U.S.C. 1450(f)(3), regarding Survivor Benefit Plan coverage. To spouses for purposes of
providing information, consistent with the requirements of 10 U.S.C. 1448(a), regarding Survivor Benefit Plan coverage. Additional routine uses are available in the applicable system
of records notice T7347b, Defense Military Retiree and Annuity Pay System Records, available at: http://dpcld.defense.gov/Privacy/SORNsIndex/DOD-wide-SORN-Article-View/
Article/570196/t7347b/
DISCLOSURE: Voluntary; however, failure to provide requested information will result in delays in initiating retired/retainer pay.
WARNING
Read the instructions at the end of this form in their entirety prior to completing.
PART I - RETIRED PAY INFORMATION
SECTION I - PAY IDENTIFICATION
1. NAME (Last, First, Middle Initial) 2. SSN
3. DATE OF BIRTH
(YYYYMMDD)
4. RETIREMENT / TRANSFER
DATE (YYYYMMDD)
5. PAY GRADE
6. BRANCH OF SERVICE
a. ARMY b. MARINE CORPS c. NAVY d. COAST GUARD
e. AIR FORCE f. SPACE FORCE g. NOAA h. USPHS
7. MEMBER OR FORMER MEMBER OF THE
a. REGULAR COMPONENT
b. RESERVE COMPONENT
(all members of the Reserves and
National Guard including Active Guard/
Reserve and Full-Time Support)
(1) REGULAR RETIREMENT
(2) NON-REGULAR
RETIREMENT
8. PARTICIPANT IN THE FOLLOWING RETIREMENT PLAN (See instructions, check only one)
a. FINAL PAY (only those members who first joined the service prior to September 8, 1980)
b. HIGH-3 (also known as the "High 36")
c. CSB/REDUX (only members who elected the Career Status Bonus upon completion of 15 years of service)
d. BLENDED RETIREMENT SYSTEM (BRS)
e. DISABILITY
9. ADDRESS (Ensure DFAS - Cleveland Center, or the Coast Guard PPC for non-DOD members, is advised whenever your correspondence address changes)
a. STREET (Include apartment number)
b. CITY c. STATE d. ZIP CODE e. COUNTRY
f. APO/FPO g. TELEPHONE (Incl. area code) h. EMAIL ADDRESS
i. PREFERRED CONTACT METHOD (check one)
TELEPHONE EMAIL
SECTION II - DIRECT DEPOSIT / ELECTRONIC FUND TRANSFER (DD/EFT) INFORMATION (See Instructions)
ACTIVE DUTY ONLY (check here if you want to continue using financial information currently on file, otherwise fill out Items 10 through 13)
10. ACCOUNT TYPE (Check one)
CHECKING SAVINGS
11. ROUTING NUMBER (See Instructions) 12. ACCOUNT NUMBER (See Instructions)
13. FINANCIAL INSTITUTION
a. NAME
b. STREET (Include apartment number)
c. CITY d. STATE e. ZIP CODE
SECTION III - SEPARATION PAYMENT INFORMATION
14. a. PAYMENT TYPE RECEIVED (Check one)
NONE DISABILITY SEVERANCE PAY (DSP) INVOLUNTARY / VOLUNTARY SEPARATION PAY (SP)
VOLUNTARY SEPARATION INCENTIVE (VSI) SPECIAL SEPARATION BONUS (SSB) OTHER
b. GROSS AMOUNT
NOTE: If any payment type was selected, attach a COPY OF THE ORDERS which authorized the payment and a COPY OF THE DD FORM 214.
List Of Attachments
Page 2 of 6
DD FORM 2656, MARCH 2022
MEMBER NAME (Last, First, Middle Initial) SSN
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
SECTION IV - DEPARTMENT OF VETERANS AFFAIRS (VA) DISABILITY COMPENSATION INFORMATION
15. VA DISABILITY COMPENSATION
a. IN THE EVENT I AM AWARDED DISABILITY
COMPENSATION BY THE VA, I WILL NOTIFY
DFAS (OR THE COAST GUARD PPC FOR NON-
DOD MEMBERS) OF THE AMOUNT OF ANY
AWARD, AS IT MAY IMPACT MY RETIRED PAY
BENEFIT.
Agree
b. HAVE YOU APPLIED FOR OR ARE
YOU RECEIVING VA COMPENSATION
FOR A DISABILITY?
Yes No
c. EFFECTIVE DATE OF
PAYMENT
(YYYYMMDD)
d. MONTHLY AMOUNT
OF PAYMENT
SECTION V - DESIGNATION OF BENEFICIARIES FOR UNPAID RETIRED PAY (See Instructions)
Check this box if you want to designate your spouse as 100% beneficiary of any unpaid retired pay upon death OR complete Item 16.
16. BENEFICIARY OR BENEFICIARIES INFORMATION
Complete this section if you want to designate a beneficiary or beneficiaries to receive any unpaid retired pay you are due at death.
If you do not complete this section OR check the box above, your unpaid retired pay will be distributed to beneficiaries in accordance with 10 U.S.C. §2771.
a. NAME (Last, First, Middle Initial) b. SSN c. ADDRESS (Street, City, State, ZIP Code) d. RELATIONSHIP e. SHARE
1) %
2) %
3) %
4) %
5) %
6) %
SECTION VI - FEDERAL INCOME TAX WITHHOLDING INFORMATION (Submit information in Items 17 – 21 in lieu of IRS Form W-4 for tax purposes.)
Please refer to the following IRS hyperlink for withholding questions: https://www.irs.gov/forms-instructions
17. MARITAL STATUS (Check one)
SINGLE OR MARRIED FILING SEPARATELY
MARRIED FILING JOINTLY (Or qualifying widow/er)
MARRIED, BUT WITHHOLDING AT THE HIGHER SINGLE RATE
HEAD OF HOUSEHOLD
(Check only if you're unmarried and pay more than half the
costs of keeping up a home for yourself and a qualifying
individual)
18. MULTIPLE JOBS OR SPOUSE WORKS (Complete this step if you (1) hold
more than one job at a time, or (2) are married filing jointly and your spouse
also works. The correct amount of withholding depends on income earned
from all of these jobs)
Do only one of the following:
(a) Use the estimator at https://www.irs.gov/individuals/tax-withholding-
estimator for most accurate withholding,
or
(b) If there are only two jobs total, you may check this box. Do the
same on Form W-4 for the other job. This option is accurate for jobs
with similar pay; otherwise, more tax than necessary may be
withheld.
19. ARE YOU A UNITED STATES CITIZEN?
Yes
No (See instructions)
20. CLAIM DEPENDENTS
If your income will be $200,000 or less ($400,000 or less if married filing jointly)
Number of qualifying children under age 17
(Multiply the number of qualifying children under age 17 by $2,000)
Number of other dependents
(Multiply the number of other dependents by $500)
Add the amounts above and enter the total here:
21. OTHER INCOME (Not from jobs). If you want tax
withheld for other income you expect this year that won't
have withholding, enter the amount of other income here.
This may include interest, dividends, and retirement
income:
22. DEDUCTIONS If you expect to claim deductions other
than the standard deduction and want to reduce your
withholding, review the Deductions Worksheet on page 3
of the IRS Form W-4 and enter the result here:
(Estimate your deductions this year OR provide previous
year's total deductions)
23. EXTRA WITHHOLDINGS. Enter any additional tax you want withheld each month:
SECTION VII - VOLUNTARY STATE TAX WITHHOLDING INFORMATION (Complete only if monthly withholding is desired.)
24. STATE DESIGNATED TO
RECEIVE TAX
25. MONTHLY AMOUNT
(Whole dollar amount not less
than $10.00)
26. RESIDENCE ADDRESS (If different from address listed in Item 9)
a. STREET (Include apartment number)
b. CITY c. STATE d. ZIP CODE
Page 3 of 6
DD FORM 2656, MARCH 2022
MEMBER NAME (Last, First, Middle Initial) SSN
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
DO NOT COMPLETE PART II,
If you ARE NOT covered by the Blended Retirement System OR DO NOT want to elect a lump sum of retired pay
PART II - LUMP SUM ELECTION
This election must be made NO LATER THAN 90 days prior to the date in Part I, Section I, Item 4, in accordance with 10 U.S.C. §1415
For example, if the date in Item 4 is June 1, 2018, the date in Item 30.b. must be on or before March 3, 2018
SECTION VIII - BRS LUMP SUM ELECTION
Members who participate in the BRS retirement plan may upon retirement (regular retirement or age of eligibility to receive retired pay for a non-regular
retirement) elect to receive a portion of their retired pay as a lump sum. Lump sum considerations are discussed below. Retiring members should consult with a
financial advisor before electing a lump sum of retired pay.
27. LUMP SUM PERCENTAGE
(Check one only, if electing to receive a LUMP SUM; if no choice is indicated you will
default to receiving your full retired pay on a monthly basis)
a. I elect to receive a 25 PERCENT lump sum that is a discounted
portion of my retired pay for the period from when I am eligible to begin
receiving retired pay until I reach full social security retirement age.
b. I elect to receive a 50 PERCENT lump sum that is a discounted
portion of my retired pay for the period from when I am eligible to begin
receiving retired pay until I reach full social security retirement age.
28. LUMP SUM PAYMENTS
(Check one only. Complete Item 28 only, if electing a LUMP SUM in Item 27)
I ELECT TO RECEIVE THE LUMP SUM IN
a. ONE INSTALLMENT
b. TWO EQUAL ANNUAL INSTALLMENTS
c. THREE EQUAL ANNUAL INSTALLMENTS
d. FOUR EQUAL ANNUAL INSTALLMENTS
29. LUMP SUM CONSIDERATIONS (Read the following carefully before signing in Item 30.)
• You are only eligible to elect a lump sum if you are qualified for a Regular or Non-Regular retirement under the Blended Retirement System.
If you are retiring with a disability retirement under 10 U.S.C., Chapter 61, you are not eligible to elect a lump sum.
• A lump sum election must be made NO LATER THAN 90 days prior to the date of your retirement (for Regular Retirement) or 90 days prior
to the date you are eligible to begin receiving retired pay (for Non-Regular Retirement), as indicated in Part I, Section I, Item 4.
• You may elect to receive either a 25 percent or 50 percent discounted portion of your future estimated retired pay as a discounted lump sum
in exchange for reduced monthly retired pay until you reach your full Social Security Retirement Age.
• As a result of electing a lump sum, your monthly retired pay will be reduced to either 75 or 50 percent of its normal amount depending on
whether you elect to receive 25 or 50 percent. At full Social Security Retirement Age, your monthly retired pay will be restored in full.
• The discount rate used to calculate your lump sum is the rate published by the Department of Defense in June of the year prior to the year
of your retirement or year you first become eligible for retired pay, based on the date in Part I, Section I, Item 4.
• A lump sum payment is earned income for purposes of Federal Income Tax – receipt of it may have significant tax implications.
• The amount of the lump sum is based on your calculated military retired pay, the discount rate in effect for the year in which you retire or
become eligible to begin receiving retired pay, and the remaining amount of time until you reach full Social Security Retirement Age. Once
distributed, you do not have the ability to seek review of or challenge the amount of the lump sum with regard to any assumptions or factors
used to compute the amount of the lump sum.
• Survivor Benefit Plan premiums (Part III) will still be deducted from your remaining monthly retired pay should you elect the lump sum. The
premiums and your beneficiary’s coverage will be based on the unreduced amount of your monthly retired pay, as if you had not elected a
lump sum, unless you indicate otherwise in Item 37 of Part III.
• If you expect to receive a disability rating from the Department of Veterans Affairs, depending upon your rating, your ability to receive
disability compensation could be affected by the lump sum.
• It is important to understand that a lifetime of full monthly payments will most likely be worth more than the lump sum with reduced monthly
retired pay. It is highly recommended that you consult with a financial counselor before electing a lump sum of retired pay.
COMPARE YOUR ESTIMATED RETIREMENT BENEFITS WITH OR WITHOUT THE LUMP SUM:
http://militarypay.defense.gov/Calculators/
30. LUMP SUM ACKNOWLEDGEMENT
By signing below, I am indicating I am aware that I am electing to receive a discounted portion of my retired pay as a lump sum, and that this
lump sum will likely be less than I would have received if I had not elected to receive it. I am aware there are resources available to assist me
in making this decision, to include training available on JKO and the availability of financial counselors that can be located via https://
installations.militaryonesource.mil/ to discuss my personal situation. Additionally, I have reviewed a comparison of my retirement benefits with
and without a lump sum. I am aware that once accepted, I may not seek review of, or otherwise challenge the amount of the lump sum,
particularly in regard to deviations from future cost of living adjustments, actuarial assumptions, or other factors used in computing this amount.
a. MEMBER SIGNATURE (Sign only if electing a lump sum in Item 28) b. DATE SIGNED (YYYYMMDD)
Page 4 of 6
DD FORM 2656, MARCH 2022
MEMBER NAME (Last, First, Middle Initial) SSN
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
PART III - SURVIVOR BENEFIT PLAN
SECTION IX - DEPENDENCY INFORMATION (This section must be completed regardless of SBP Election.)
31. SPOUSE (If no spouse enter N/A)
a. NAME (Last, First, Middle Initial) b. SSN
c. DATE OF BIRTH
(YYYYMMDD)
32. DATE OF MARRIAGE (YYYYMMDD)
33. PLACE OF MARRIAGE (See Instructions)
34. DEPENDENT CHILDREN (If no dependent children enter N/A)
Indicate which child or children resulted from marriage to a former spouse by entering (FS) after relationship in column d.
Add rows or continue on separate paper if necessary.
a. NAME (Last, First, Middle Initial) b. SSN
c. DATE OF BIRTH
(YYYYMMDD)
d. RELATIONSHIP
(Son, daughter, stepson, etc.)
Designate which children resulted from
marriage to a former spouse, if any, by
indicating (FS) after the relationship.
e. DISABLED?
(If yes,
substantiation of
disabling condition
and onset required.
See instructions).
1) Yes No
2) Yes No
3) Yes No
4) Yes No
SECTION X - SURVIVOR BENEFIT PLAN (SBP) ELECTION (You should consult a Survivor Benefit Plan counselor before making an election.)
If you make no election, maximum coverage will be established for your spouse and/or eligible dependent children
35. RESERVE COMPONENT ONLY
(This section refers to the decision you previously made on the DD Form 2656-5 or the old form, the DD Form 1883 when you were
notified of eligibility to retire, in most cases you do not have the right to make a new election on this form)
Reserve/National Guard members who achieve 20 qualifying years of service make the election to participate in the Reserve Component (RC) SBP on DD
Form 2656-5 within 90 days of being notified of eligibility for a non-regular retirement not when applying for retired pay, unless that member previously
elected to defer coverage. You must indicate your previous election in Item 35.a. through 35.c. before proceeding to Item 36. If you previously elected
Option B or Option C, DO NOT enter an election in Item 36. (Check only one in Item 35.a. through 35.c.) For Active Guard/Reserve and Full-Time Support
with a regular retirement, DO NOT enter an election.
a. OPTION A - Previously declined to make an election until eligible to receive retired pay (Proceed to Item 36 to make election)
b. OPTION B - Previously elected coverage to begin at age 60 (Do not make an election in Item 36, 37, or 39, you have already elected coverage.)
c. OPTION C - Previously elected or defaulted to immediate RC-SBP Coverage (Do not make an election in Item 36, 37, or 39, you have already elected
coverage.)
NOTE: If you were married and/or had eligible children at the time you were notified of eligibility for non-regular retirement (on or after January 1, 2001) and did not complete
DD Form 2656-5, you defaulted to full coverage under OPTION C – do not make an election in Item 36.
Marital status has changed since your initial election to participate in RC-SBP.
Yes No If Yes, Attach Page with Explanation
36. SBP BENEFICIARY CATEGORIES (Check one only. See Instructions and Section X.)
a. I ELECT COVERAGE FOR SPOUSE ONLY
I have Dependent Child(ren)
Yes No
b. I ELECT COVERAGE FOR SPOUSE AND CHILD(REN)
c. I ELECT COVERAGE FOR CHILD(REN) ONLY
(Spouse concurrence required in Part V if 'Yes' is selected)
I have a Spouse
Yes No
d. I ELECT COVERAGE FOR THE PERSON NAMED IN ITEM 39 WHO HAS AN INSURABLE INTEREST IN ME (See Instructions)
e. I ELECT COVERAGE FOR MY FORMER SPOUSE INDICATED IN ITEM 40 (See Instructions)
Complete DD Form 2656-1, "Survivor Benefit Plan (SBP) Election Statement for Former Spouse Coverage." Attach/Include court orders or agreements impacting on SBP
continuation after divorce.
f. I ELECT COVERAGE FOR MY FORMER SPOUSE INDICATED IN ITEM 40 AND DEPENDENT CHILD(REN) OF THAT MARRIAGE
(See instructions) Complete DD Form 2656-1, "Survivor Benefit Plan (SBP) Election Statement for Former Spouse Coverage." Attach/Include court orders or agreements
impacting on SBP continuation after divorce.
g. I ELECT NOT TO PARTICIPATE IN SBP
I have eligible dependents under the plan.
(If currently married spousal concurrence is required.)
Yes No
Page 5 of 6
DD FORM 2656, MARCH 2022
MEMBER NAME (Last, First, Middle Initial) SSN
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
37. SBP LEVEL OF COVERAGE (Check one only. Complete UNLESS Option B or Option C was selected in 35 OR Check Box 36.d. or 36.g. was selected. See Instructions.
Your base amount will increase by the same rate of increase as your retired pay)
a. I ELECT COVERAGE BASED ON FULL GROSS PAY
(If I elected the Career Status Bonus under REDUX or a lump sum of retired pay under the Blended Retirement System (Part II), full gross pay is the amount of retired pay
I would have received had I NOT elected the Career Status Bonus or Lump Sum.)
b. I ELECT COVERAGE WITH A REDUCED BASE AMOUNT OF
(Spouse concurrence is required in Part V)
c. CSB/REDUX MEMBERS ONLY
I elect coverage based on my actual Reduced Retired Pay Under REDUX.
I understand that this represents a Reduced Base Amount and requires Spouse Concurrence in part V.
(See Instructions)
d. I ELECT COVERAGE BASED ON THE THRESHOLD AMOUNT IN EFFECT ON THE DATE OF RETIREMENT.
(Spouse concurrence is required in Part V)
38. SPECIAL NEEDS TRUST (Check only if you intend to designate a special needs trust (SNT) as beneficiary for a child/children designated in Item 34.e. as disabled.
You must elect either 36.b., 36.c., or 36.f. to be eligible to designate an SNT. See DoDI 1332.42 for procedures for designating an SNT.)
I INTEND TO DESIGNATE AN SNT AS BENEFICIARY FOR THE CHILD OR CHILDREN DESIGNATED AS DISABLED IN ITEM 34.
(It is your responsibility to separately submit a written statement of the decision to have the annuity paid to the SNT, an attorney’s certification of that SNT,
and the name and tax identification number for the SNT)
39. INSURABLE INTEREST BENEFICIARY (See instructions prior to completing this section - DO NOT complete if you have an ELIGIBLE SPOUSE or FORMER SPOUSE)
a. NAME (Last, First, Middle Initial) b. SSN
c. DATE OF BIRTH
(YYYYMMDD)
d. RELATIONSHIP
e. STREET (Include apartment number)
f. CITY g. STATE h. ZIP CODE
i. TELEPHONE (Incl. area code) j. EMAIL ADDRESS
40. FORMER SPOUSE INFORMATION (Complete only if you have a former spouse)
a. NAME (Last, First, Middle Initial) b. SSN
c. DATE OF BIRTH
(YYYYMMDD)
d. DATE OF DIVORCE
(YYYYMMDD)
e. DATE OF MARRIAGE TO FORMER SPOUSE
(YYYYMMDD)
f. TELEPHONE (Incl. area code) g. EMAIL ADDRESS
h. HAS YOUR FORMER SPOUSE REMARRIED?
Yes No
Page 6 of 6
DD FORM 2656, MARCH 2022
MEMBER NAME (Last, First, Middle Initial) SSN
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
PART IV – CERTIFICATION
SECTION XI - CERTIFICATION
41. MEMBER (DATE SIGNED must be before the date of retirement listed in Part I, Section I, Item 4)
Under penalties of perjury, I certify that the number of claim dependents stated is accurate to my knowledge and does not exceed the number to which I
am entitled, and that all statements on this form are made with full knowledge of the penalties for making false statements (18 U.S.C. §287 and §1001) of
not more than a $10,000 fine, or 5 years in prison, or both. Also, I understand that if I am married and I elected less than full SBP coverage for my
spouse, with the exception of a former spouse or former spouse and child election, I will need my spouse’s notarized concurrence signed no earlier than
the date of my signature and prior to the date of my retirement; otherwise, by law, I will automatically be covered at the maximum spouse coverage.
a. NAME (Last, First, Middle Initial) b. SIGNATURE
c. DATE SIGNED
(YYYYMMDD)
42. WITNESS (This cannot be a spouse or dependent child or any other beneficiary listed on this form or anyone under the age of majority)
Witness date MUST match the member’s date.
a. NAME (Last, First, Middle Initial) b. SIGNATURE
c. DATE SIGNED
(YYYYMMDD)
d. RELATIONSHIP TO THE RETIRING MEMBER
e. ADDRESS f. CITY/BASE OR POST g. STATE
h. ZIP CODE
PART V – SPOUSE SBP CONCURRENCE
Required ONLY when the member is married and elects either: (a) child only SBP coverage, (b) does not elect full spouse SBP coverage; or (c) declines
SBP coverage. This is not required for any former spouse or former spouse and child elections. The date of the spouse's signature in Item 43.c. MUST NOT
be before the date of the member's signature in Item 41.c., or on or after the date of retirement listed in Part I, Section I, Item 4. The spouse's signature
MUST be notarized. Electronic signatures are allowed.
SECTION XII - SBP SPOUSE CONCURRENCE
43. SPOUSE
I hereby concur with the Survivor Benefit Plan election made by my spouse. I have received information that explains the options available and the
effects of those options. I know that retired pay stops on the day the retiree dies. I have signed this statement of my own free will.
a. NAME (Last, First, Middle Initial)
b. TELEPHONE (Incl. area code) c. EMAIL ADDRESS
d. SIGNATURE
e. DATE SIGNED
(YYYYMMDD)
44. NOTARY WITNESS (Please stamp using a notary seal)
On this
day of
, 20
, before me, the undersigned notary public, personally
appeared (Name of Spouse in Item 43.a.)
provided to me through satisfactory evidence of identification, which were
,
to be the person whose name is signed in Item 43.a. of this document in my presence.
Signature of Notary My Commission Expires
NOTARY SEAL
Page 1 of 3
DD FORM 2656 INSTRUCTIONS, MARCH 2022
INSTRUCTIONS
GENERAL
1. Read these instructions and Privacy Act Statement carefully before completing the data form.
2. The Defense Finance and Accounting Service (DFAS) - Cleveland Center will establish your retired/retainer pay account based on the data provided on this
form and your retirement/transfer orders. Your personnel office, disbursing/finance office, and SBP Counselor will assist you in the proper completion and
submission of this form. You should maintain these instructions along with a copy of the form as a permanent record. Please complete the form electronically
or by typing or printing in ink. The Coast Guard Pay and Personnel Center (CG-PPC) will establish the retired pay account for retiring Coast Guard, USPHS,
and NOAA members
3. Ensure that you promptly advise DFAS - Cleveland Center of changes to your marital/family status and any changes to your correspondence address or direct
deposit information. Gray Area retirees (retired reservists who are not yet eligible for retired pay) should contact their Reserve Component directly to report
changes. Retired members of the Coast Guard, USPHS or NOAA should contact the CG-PPC.
4. If completed electronically, this form automatically disables certain fields based on information you entered. If one of the items listed below does not appear on
the form, it is due to information you previously entered that indicates this item is not applicable to you.
PREVIOUS EDITION IS OBSOLETE.
CUI (when filled in)
CUI (when filled in)
PART I - RETIRED PAY INFORMATION
SECTION I - PAY IDENTIFICATION.
ITEMS 1 through 3. Self-explanatory.
ITEM 4. If you are retiring from active service, enter the date you will transfer
to the Fleet Reserve or date of retirement. If you are a Reserve/National
Guard member qualified to retire under 10 U.S.C., Chapter 1223, enter either
the date of your 60th birthday or, a later date on which you desire to begin
receiving retired pay. If you are eligible for reduced age retirement earlier
than your 60th birthday, you will need to enter that date.
ITEMS 5 and 6. Self-explanatory.
ITEM 7. Indicate whether you are (or were) a member of the Regular
Component or a member of the Reserve Component. The Reserve
Component includes all reserve and National Guard members, including full-
time reservists on active duty, such as Active Guard/Reserves (AGR) and
Full-Time Support (FTS). If in the Reserve Component, indicate the type of
retirement, regular or non-regular retirement.
ITEM 8. Indicate which retirement plan covers you:
• If your Date of Initial Entry into Military Service (DIEMS) is prior to
September 8, 1980, you should enter “Final Pay” UNLESS you elected to
opt into the Blended Retirement System.
• If your DIEMS is on or after September 8, 1980, but before January 1,
2018, you should enter “High-3” UNLESS you elected to participate in the
CSB/REDUX retirement plan or the Blended Retirement System (BRS).
• If your DIEMS is on or after August 1, 1986, AND you elected to receive
the Career Status Bonus (CSB) upon completion of 15 years of service,
you should enter “CSB/REDUX.”
• If you elected to opt into the Blended Retirement System, OR your DIEMS
is on or after January 1, 2018, you should enter “Blended Retirement
System.”
• If you are retiring with a disability retirement, regardless of your DIEMS
enter “Disability.”
ITEM 9. Self-explanatory.
SECTION II - DIRECT DEPOSIT/ELECTRONIC FUND TRANSFER
INFORMATION.
ITEMS 10 through 13. Enter the routing and account information for your
bank or financial institution. Indicate whether your account is (S) for Savings
or (C) for Checking account in Item 10. Also, provide the nine digit Routing
Transit Number (RTN) of your financial institution in Item 11, your account
number in Item 12, and your financial institution name and address in Item
13. This section must be completed. Your net retired/retainer pay must be
sent to your financial institution by direct deposit/electronic fund transfer (DD/
EFT).
REGULAR COMPONENT RETIREES ONLY: If you are directing your retired
pay to the same account number and financial institution to which you
directed your active duty pay, check the box immediately below “Section II”.
If you have a copy of the Direct Deposit Authorization form used to establish
your DD/EFT for your active duty pay, attach a copy to this form.
SECTION III - SEPARATION PAYMENT INFORMATION.
ITEM 14. Indicate in 14.a. if you previously received separation or severance
pay. If you mark one of the boxes in 14.a., complete 14.b. by entering the
gross amount for Severance, (In)voluntary Separation, Separation Incentive
and Special Separation Bonus payments and the annual installment gross
amount for Voluntary Separation Incentive payments. Attach a copy of the
orders that authorized the payment and a copy of previous DD Form 214.
SECTION IV - VA DISABILITY COMPENSATION.
ITEM 15. All retirees must read and acknowledge Item 15.a. Note that if you
later apply for and are awarded VA disability compensation, you must notify
DFAS - Cleveland Center (Retired members of the Coast Guard, PHS or
NOAA should contact the CG-PPC) of the amount of the award. Indicate in
Item 15.b. if you are currently, or have previously, received or applied for VA
disability compensation. If you mark YES in 15.b., complete 15.c., and 15.d.
SECTION V - DESIGNATION OF BENEFICIARIES FOR UNPAID RETIRED
PAY.
ITEM 16. Upon your death, 10 U.S.C. §2771 provides that any pay due and
unpaid will be paid to the surviving person highest on the following list: (1)
beneficiary(ies) designated in writing; (2) your spouse; (3) your children and
their descendants, by representation; (4) your parents in equal parts, or if
either is dead, the survivor; (5) the legal representative of your estate, and (6)
person(s) entitled under the law of your domicile. You may choose to
designate your spouse as the primary beneficiary for 100% of your unpaid
retired pay by checking the box directly below “Section V” and leaving items
16.a. through 16.e. blank. If you choose to designate a different beneficiary or
beneficiaries, you must complete Items 16.a. through 16.e. If you designate
multiple beneficiaries, you can either provide a SHARE percentage to be paid
to each person or leave the SHARE percentage blank. If you leave the
SHARE percentage blank, any retired pay you are owed when you die will be
divided equally among your designated beneficiaries. If you list more than one
person with a 100% SHARE, the beneficiaries will be paid in the order as you
list them on the form. If, for example, you designate two beneficiaries, then the
SHARE percentage must either be 100% for each beneficiary, or the SHARE
percentages when added together must equal 100%. If you designate more
than one person, and the total percentage designated is greater than 100%,
the person listed first is considered the primary beneficiary. If you check the
box designating your spouse as 100% beneficiary, that election will take
precedence over any designation made in Items 16.a. through 16.e.
If you do not designate a beneficiary or beneficiaries in Item 16, or all
designated beneficiaries have died before the date of your death, any unpaid
retired pay will be paid to the living person or persons in the highest category
of beneficiary listed above, as required by law.
SECTION VI - FEDERAL INCOME TAX WITHHOLDING INFORMATION.
Complete this section after determining your dependents with the aid of your
disbursing/finance office, or from the instructions available on IRS Form W-4,
or other available IRS publications. Leave Items 17 through 19 blank if
completing Item 20.
ITEM 17. Mark the status you desire to claim.
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DD FORM 2656 INSTRUCTIONS, MARCH 2022
PREVIOUS EDITION IS OBSOLETE.
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ITEM 18. This refers to the whole dollar amounts of total withholding(s)
claimed.
ITEM 19. If you are not a U.S. citizen, provide, on an additional sheet, a list of
all periods of ACTIVE DUTY served in the continental U.S., Alaska, and
Hawaii. Indicate periods of service by year and month only. List only service at
shore activities; do not report service aboard a ship.
For example:
FROM (Year/Month) DUTY STATION TO (Year/Month)
2021/06 NAVSTA, Norfolk, VA 2021/07
NOTE: This information may affect the portion of retired/retainer pay which is
taxable in accordance with the Internal Revenue Code if you maintain a
permanent residence outside the U.S., Alaska, or Hawaii.
ITEM 20. Enter the dollar amount as they relate to claim dependents.
ITEM 21. Enter other income that is not from jobs. This may include interest,
dividends, and retirement income.
ITEM 22. Enter deductions if you expect to claim deductions other than the
standard deduction and want to reduce your withholdings.
ITEM 23. Enter extra withholdings. Enter any additional tax you want withheld
each month. If exempt from Federal taxes, enter ‘EXEMPT’.
SECTION VII - VOLUNTARY STATE TAX WITHHOLDING.
Complete this section only if you want monthly state tax withholding. If you
choose not to have a monthly deduction, you remain liable for state taxes, if
applicable.
ITEM 24. Enter the name of the state for which you desire state tax withheld.
ITEM 25. Enter the dollar amount you want deducted from your monthly
retired/retainer pay. This amount must not be less than $10.00 and in whole
dollars (Example: $50.00, not $50.25).
ITEM 26. Enter only if different from the address in Item 9.
PART II - LUMP SUM ELECTION.
OPTIONAL. Only complete Part II if you are:
• Covered under the Blended Retirement System; AND,
• Want to elect a partial lump sum of retired pay
If you ARE NOT covered under the Blended Retirement System or DO NOT
want to elect a partial lump sum, proceed to PART III of the form.
SECTION VIII - BLENDED RETIREMENT SYSTEM LUMP SUM ELECTION.
ITEM 27. Indicate in Item 27.a. or 27.b. whether you intend to receive a 25
percent or 50 percent lump sum of retired pay.
ITEM 28. If indicating in Item 27.a. or 27.b. that you desire to receive a lump
sum of retired pay, indicate in 28.a. through 28.d. whether you would like that
in one payment or a series of equal, annual installments over 2, 3, or 4 years.
ITEM 29. Before signing in Item 30, you must read the considerations listed in
Item 29. You are highly encouraged to review your options with a financial
professional and compare your estimated retirement benefits with or without a
lump sum using the online calculator located at
https://militarypay.defense.gov/calculators/BRS.
ITEM 30. If you mark Items 27 and Items 28, you must sign Item 30.a., and
indicate the date you are signing in 30.b. The date in 30.b. must be at least 90
days prior to the date of your retirement or the date you transfer to the Fleet
Reserve (shown in Item 4, this is also the same date indicated on your DD 108
request for retirement). If you are a Reserve/National Guard member qualified
to receive retired pay with a non-regular retirement, the date in 27.b. must be
90 days prior to the date upon which you will be eligible to begin receiving
retired pay (shown in Item 4, this is also the same date indicated on your DD
108 request for retirement).
If you are NOT electing a lump sum of retired pay, DO NOT SIGN Item 30.
PART III - SURVIVOR BENEFIT PLAN.
It is very important that you are counseled and are fully aware of your options
under the Survivor Benefit Plan (SBP). SBP pays your eligible beneficiary or
beneficiaries an inflation-protected annuity, based on your retired pay, in the
event of your death. The cost of SBP is subsidized by the government, but
you will be required to pay a portion of the cost of SBP through deductions
from your retired pay. All retiring active duty members and all members of the
Reserves / National Guard who complete 20 qualifying years of service are
automatically fully covered under the SBP or the Reserve Component SBP
(RC-SBP) unless electing to reduce or decline this coverage. Special
requirements for reducing or declining coverage are provided in Part III.
SECTION IX - DEPENDENCY INFORMATION.
ITEM 31. Provide your spouse's name, SSN, and date of birth. If no current
spouse, enter "N/A" and proceed to Item 34.
ITEMS 32 and 33. Enter the date and location of your marriage to your current
spouse. In Item 32, if marriage occurred outside the United States, include
city, province, and name of country.
ITEM 34. If you do not have dependent children, enter "N/A" in this Item. If you
do have dependent children, provide the requested information. Designate
which children resulted from marriage to a former spouse, if any, by indicating
(FS) after the relationship in Item 34.d.
ITEM 34.e. Enter YES or NO as appropriate. A disabled child is an unmarried
child who meets one of the following conditions: a child who has become
incapable of self-support before the age of 18 or a child who has become
incapable of self-support after the age of 18 but before age 22 while a full-time
student. Substantiation is required. Submit a medical evaluation prepared by
a medical professional showing the disabling condition, the age of onset of the
condition, the past medical history and how the condition precludes the
potential beneficiary from being-self supporting now and in the future. If
answering yes, attach documentation.
SECTION X - SURVIVOR BENEFIT PLAN (SBP) ELECTION.
In this section, you will be able to indicate your desired SBP election and
designate the beneficiary for SBP in the event of your death. If you make no
election, you will automatically receive maximum coverage for all eligible
family members (spouse and/or children). If you elect to reduce or decline
your coverage, your spouse will have to concur with that decision, with the
exception of a former spouse or former spouse and child election. You may
discontinue your SBP participation within one year after the second
anniversary of the commencement of retired/retainer pay. Termination of SBP
is effective the first of the month after DFAS - Cleveland Center (or the Coast
Guard PPC for non-DOD members) receives the SBP disenrollment request.
There will be no refund of SBP costs paid for the period before the SBP
disenrollment. You are advised to consult with a SBP Counselor or
Retirement Services Officer prior to completing this section.
ITEM 35. RESERVE COMPONENT ONLY. Information to complete this
section can be found on the DD Form 2656-5 or the previous DD Form 1883,
you submitted when you were first notified that you had completed 20 years of
creditable service, known as your “Notification of Eligibility (NOE).” If you
received your NOE prior to January 1, 2001 and did not make an election
within 90 days of your NOE, RC-SBP was declined by default. Reserve or
National Guard members who previously completed 20 qualifying years of
service are automatically covered under the RC-SBP unless electing, within 90
days of receiving their Notification of Eligibility, to decline this coverage.
Indicate in Item 35.a., 35.b., or 35.c. your previous election. If you elected
immediate coverage (Item 35.c., or “Option C”), elected coverage to begin at
age 60 (Item 35.b., or “Option B”) or made no election previously, this remains
your coverage and cannot be changed. However, Reserve/National Guard
members who declined to make an election until reaching the age of eligibility
to receive retired pay (Item 35.a., or “Option A”), or who were unmarried and
had no eligible children at initial RC-SBP election and made no subsequent
RC-SBP election must complete Items 36 and 37 (and Items 38 through 40 if
applicable). If you elected either Immediate (Option C) or Deferred (Option B)
RC-SBP coverage and the elected beneficiary is no longer eligible, provide
supporting documentation with this form.
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DD FORM 2656 INSTRUCTIONS, MARCH 2022
PREVIOUS EDITION IS OBSOLETE.
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ITEM 36. Enter your desired coverage in Items 36.a. through 36.g. You may
only select one Item. If you elect 36.a., 36.c., or 36.g., you MUST also
indicate whether you are declining coverage for other eligible dependents.
ITEM 36.d. Mark if you are not married, have no eligible children, and desire
coverage for a person with an insurable interest in you, and provide the
requested information about that person in Item 39. A person designated as
an insurable interest beneficiary must have a reasonable and lawful basis,
founded upon the relationship of parties to each other, either pecuniary or of
blood or affinity, to expect some benefit or advantage from the continuance of
the life of the retiree. Proof of financial benefit from the continuance of the life
of the member is required for persons other than your (former) spouse or
child(ren). An election of this type must be based on your full gross retired/
retainer pay. If the person is a non-relative or as distantly related as a cousin,
attach evidence that the person has a financial interest in the continuance of
your life. Under provisions of Public Law 103-337, you are permitted to
withdraw from insurable interest coverage at any time. Such a withdrawal will
be effective on the first day of the month following the month the request is
received by DFAS - Cleveland Center (or the Coast Guard PPC for non-DOD
members). Therefore, no refund of SBP costs collected before the effective
date of withdrawal will be paid.
ITEMS 36.e and 36.f. Mark Item 36.e. if you elect coverage for a former
spouse. Mark Item 36.f. if you desire coverage for a former spouse and
dependent child(ren) of that marriage, and provide the requested information
about these children in Item 34 as appropriate. Provide a certified photocopy
of final decree that includes separation agreement or property settlement
which discusses SBP for former spouse coverage. The DD Form 2656-1,
"Survivor Benefit Plan (SBP) Election Statement for Former Spouse
Coverage," must also be completed and accompany the completed DD Form
2656 to DFAS - Cleveland Center (or the Coast Guard PPC for non-DOD
members).
ITEM 36.g. Mark if you decline coverage under SBP. If married and declining
coverage, Items 43 and 44 of Part V, Section XI MUST be completed.
ITEM 37. This Item allows you to designate the amount of your retired pay
that will be the “base amount” for determining your SBP premiums and the
resulting SBP annuity. If you make no entry, you will default to the full base
amount.
ITEM 37.a. Mark if you desire the coverage to be based on your full gross
retired/retainer pay. For members who previously elected the Career Status
Bonus (CSB) or members covered by the Blended Retirement System who
elect a lump sum of retired pay, the full gross retired/retainer pay is what your
retired pay would have been had you not elected (CSB) or the lump sum.
ITEM 37.b. Mark if you desire the coverage to be based on a reduced portion
of your retired/retainer pay. This reduced amount may not be less than
$300.00. If your gross retired/retainer pay is less than $300.00, the full gross
pay is automatically used as the base amount. Enter the desired amount in the
space provided to the right of this Item.
ITEM 37.c. Used by a REDUX member who wants coverage based on actual
retired pay received under REDUX. If this option is selected, Items 43 and 44
of Part V must be completed, if married.
ITEM 37.d. Mark if you desire the higher threshold amount in effect on the
date of your retirement to be used as your base amount. If this option is
selected, Items 43 and 44 of Part V must be completed, if married.
ITEM 38. You may elect payment of the SBP benefit, for beneficiary
categories designated in Items 36.b., 36.c., or 36.f., to a special needs trust
(SNT) who meets the criteria of a disabled child for SBP, and is indicated as
such in Item 34.e. of these instructions. You must provide to DFAS -
Cleveland Center (or the Coast Guard PPC for non-DOD members) a copy of
the SNT established for the child, documents to support the child is incapable
of self-support, age when incapacitated, and if temporary or permanent, and
separate statement from an actively licensed attorney certifying that the Trust
is an SNT created for the benefit of the child and is in compliance with all
applicable federal and state laws. Additional procedures for establishing an
SNT as SBP beneficiary are in DoDI 1332.42.
ITEM 39. Enter the information for insurable interest beneficiary. See
instruction for Item 36.d.
ITEM 40. Enter the information for your former spouse, if applicable.
PART IV - CERTIFICATION.
SECTION XI - CERTIFICATION
ITEM 41. Read the statement carefully, then sign your name and indicate the
date of signature. For your SBP election to be valid, you must sign and date
the form prior to the effective date of your retirement/transfer, or the date you
are eligible to begin receiving retired pay. (Note: if you elected a lump sum of
retired pay in Part II, this form must be signed and dated no later than 90 days
prior to your retirement/transfer date, or the date you are eligible to begin
receiving retired pay).
ITEM 42. A witness to your signature must also sign and provide their
information in Items 42.a. through 42.g. A witness cannot be named as
beneficiary in Sections V, IX or X.
PART V - SPOUSE SBP CONCURRENCE
SECTION XII - SBP SPOUSE CONCURRENCE.
Completion of this section is required only in certain circumstances if you
declined to elect SBP coverage, elected less than the maximum coverage, or
elected child-only coverage while having an eligible spouse. If you are
completing this form electronically and this section does not appear, you do
not have to obtain spousal concurrence.
ITEM 43. 10 U.S.C. §1448 requires that an otherwise eligible spouse concur if
the member declines to elect SBP coverage, elects less than maximum
coverage, or elects child-only coverage. This is not required for any former
spouse or former spouse and child election. Therefore, a member with an
eligible spouse upon retirement, who elects any combination other than Items
36.a. or 36.b. AND 37.a. must obtain the spouse's concurrence in Section XII,
with the exception of an election of Item 36.e. or 36.f. If the current eligible
spouse concurs with declining the SBP election, that spouse will need to
provide their phone number and email address in boxes b. and c. By signing
Item 43, you are concurring with the Survivor Benefit Plan election made by
your spouse.
ITEM 44. A Notary Public must witness the signature of the spouse in Item
44. This witness cannot be a named beneficiary in Section V, IX, or X. The
spouse's concurrence must be obtained and dated on or after the date of the
member's election, but before the retirement / transfer date. If concurrence is
not obtained when required, maximum coverage will be established for your
spouse and child(ren) if appropriate.
Document Specifics
| Fact Name | Description |
|---|---|
| Purpose | The DD Form 2656 is used to establish eligibility for retirement benefits for military personnel. |
| Eligibility | It applies to active duty and retired members of the Armed Forces and their eligible dependents. |
| Submission | This form must be submitted to the appropriate military finance office upon retirement. |
| Required Information | It collects personal information, including service details, beneficiary designations, and payment options. |
| State-Specific Forms | Some states may require additional forms for tax purposes, governed by state tax laws. |
| Governing Laws | Federal laws govern military benefits, while state laws may affect taxation of those benefits. |
| Filing Deadlines | Timely submission is crucial to avoid delays in receiving retirement benefits. |
| Updates | Keep the form updated to reflect any changes in personal status or beneficiary information. |
DD 2656: Usage Instruction
Filling out the DD 2656 form is an important step in managing your benefits. Once you have completed the form, it will need to be submitted to the appropriate office for processing. Make sure to review your answers carefully before submission to ensure accuracy.
- Begin by gathering all necessary personal information, including your full name, Social Security number, and date of birth.
- In the first section, enter your service member information. This includes the service member's name, Social Security number, and branch of service.
- Next, provide details about your marital status. Indicate whether you are married, single, or divorced.
- Fill in the information about your dependents. Include their names, dates of birth, and relationship to you.
- In the financial section, list any relevant bank account information for direct deposit purposes.
- Review the certification statement at the end of the form. Make sure to read it thoroughly and understand what you are certifying.
- Sign and date the form. Ensure that you have signed in the appropriate space provided.
- Make a copy of the completed form for your records before submitting it.
- Submit the form to the designated office, following any specific instructions provided for submission.
Learn More on DD 2656
What is the DD 2656 form?
The DD 2656 form, also known as the "Data for Payment of Retired Personnel," is a crucial document used by military personnel to provide necessary information for retirement benefits. This form collects essential data about the retiree, including personal details, bank account information for direct deposit, and tax withholding preferences. Completing this form accurately ensures that retirees receive their benefits without unnecessary delays.
Who needs to fill out the DD 2656 form?
Any member of the U.S. Armed Forces who is retiring or transitioning to retired status must complete the DD 2656 form. This includes active duty, reserve, and National Guard members. Additionally, beneficiaries of deceased retirees may also need to fill out this form to claim benefits. It’s essential for all parties involved to ensure that the form is completed and submitted in a timely manner.
How do I submit the DD 2656 form?
Submitting the DD 2656 form is straightforward. After completing the form, you should send it to the appropriate military finance office. This is typically the office responsible for processing retirement benefits. You can either mail the form or, in some cases, submit it electronically through the military's designated online portal. Always check with your specific branch for submission guidelines, as they may vary.
What information do I need to provide on the DD 2656 form?
The DD 2656 form requires several key pieces of information, including:
- Your full name and Social Security number
- Your military service details, including branch and service number
- Bank account information for direct deposit
- Tax withholding preferences, including filing status and exemptions
- Contact information for any beneficiaries
Make sure to double-check all entries for accuracy. Errors can lead to delays in receiving your retirement pay.
What happens if I don’t submit the DD 2656 form?
If the DD 2656 form is not submitted, you may face delays in receiving your retirement benefits. In some cases, payments could be suspended until the necessary information is provided. It’s in your best interest to complete and submit this form as soon as possible to ensure a smooth transition to retired status. Remember, taking proactive steps can help avoid potential complications in the future.
Common mistakes
Filling out the DD 2656 form, which is essential for military retirees and their beneficiaries, can be a daunting task. Many individuals make common mistakes that can delay processing or lead to complications. Understanding these pitfalls can help ensure a smoother experience.
One frequent error occurs when individuals fail to provide accurate personal information. This includes not only names but also Social Security numbers and service details. Even a small typo can create significant delays in processing your application.
Another common mistake is neglecting to sign the form. A signature is crucial as it certifies the accuracy of the information provided. Without it, the form may be returned, causing unnecessary frustration and delays.
Many people also overlook the importance of including all required documentation. Supporting documents, such as marriage certificates or divorce decrees, are often necessary to validate claims. Missing these can result in incomplete submissions and additional requests for information.
Individuals sometimes misinterpret the instructions regarding beneficiaries. It’s essential to clearly identify primary and contingent beneficiaries. Failing to do so can lead to complications in the distribution of benefits later on.
Another mistake involves not keeping copies of the completed form. Retaining a copy can be invaluable if questions arise or if there are discrepancies in the future. It serves as a reference point for both the individual and the processing agency.
Some applicants also forget to double-check their entries before submission. Reviewing the form for errors can save time and prevent potential issues. Taking a moment to ensure everything is accurate can lead to a smoother approval process.
Lastly, many people underestimate the importance of timely submission. Delaying the submission of the DD 2656 form can lead to missed benefits or complications in accessing retirement pay. Staying proactive and submitting the form promptly is crucial for a seamless transition into retirement.
Documents used along the form
The DD 2656 form is an important document used by military members to apply for retired pay. However, several other forms and documents often accompany it to ensure a smooth process. Below is a list of these forms, each serving a specific purpose in the retirement application process.
- DD 214: This form provides a summary of a service member's military service. It includes details such as dates of service, discharge status, and awards received.
- SF 1199A: This form is used for direct deposit of retirement pay. It requires banking information to ensure payments are deposited directly into the retiree's account.
- DD 2656-1: This is the form for the Survivor Benefit Plan (SBP) election. It allows service members to designate beneficiaries for retirement benefits after their passing.
- DD 2656-2: This form is used to provide additional information about the retiree's eligibility for benefits and to update any changes in personal information.
- VA Form 21-526EZ: This form is necessary for veterans to apply for disability compensation from the Department of Veterans Affairs. It helps establish eligibility for additional benefits.
- Form W-4P: This is the withholding certificate for pension or annuity payments. It allows retirees to specify how much tax should be withheld from their retirement pay.
- Form 21-530: This form is used to apply for burial benefits for veterans. It helps families access financial assistance for funeral expenses and burial arrangements.
Each of these documents plays a crucial role in the retirement process for military members. Ensuring all forms are completed accurately can help prevent delays and facilitate a smoother transition into retirement.
Similar forms
The DD Form 214 is a critical document for military personnel, serving as a certificate of release or discharge from active duty. It provides essential information about a service member's time in the military, including dates of service, type of discharge, and any awards received. Like the DD 2656, which is used to apply for retirement benefits, the DD 214 is often required for veterans to access various benefits and services, including healthcare and education. Both documents are vital in establishing a service member's eligibility for benefits and are used by government agencies and private organizations alike.
The VA Form 21-526EZ is another important document for veterans seeking benefits. This form is specifically used to apply for disability compensation and pension benefits from the Department of Veterans Affairs. Similar to the DD 2656, which helps service members apply for retirement pay, the VA Form 21-526EZ requires detailed personal information and documentation of service-related injuries or conditions. Both forms play a key role in determining eligibility and ensuring that veterans receive the benefits they deserve.
The SF 50, or Notification of Personnel Action, is used by federal employees, including military personnel, to document employment status changes. This form includes information about appointments, promotions, and separations. While the DD 2656 focuses on retirement benefits for military members, the SF 50 is relevant for civilian employees in the federal government. Both documents serve as official records that impact an individual's benefits and entitlements, highlighting the importance of accurate information in personnel files.
The Form 1099-R is utilized for reporting distributions from retirement plans, including pensions. When a service member retires, the DD 2656 is used to apply for retirement benefits, while the Form 1099-R is issued to report the amount distributed to the retiree. Both documents are crucial for tax purposes, as they help ensure that retirees accurately report their income. Understanding the relationship between these forms can help individuals navigate their financial obligations after retirement.
The Form 4506-T is a request for a transcript of tax return information. This document can be essential for veterans applying for various benefits, including those related to the DD 2656. When applying for retirement benefits, a veteran may need to provide proof of income, which can be obtained through the Form 4506-T. Both forms underscore the importance of financial documentation in the benefits application process, ensuring that service members can substantiate their claims.
The SF 86, or Questionnaire for National Security Positions, is a form used to gather information for security clearance purposes. While it serves a different function than the DD 2656, both forms require detailed personal information and background checks. The SF 86 is crucial for individuals seeking employment in sensitive positions, while the DD 2656 is focused on retirement benefits. Each form plays a significant role in determining eligibility, whether for security clearance or retirement entitlements.
The Form 8888, known as the Allocation of Refund, allows taxpayers to direct their tax refunds into multiple accounts. While not directly related to retirement benefits, it reflects the financial planning aspect that is essential for veterans transitioning into retirement. The DD 2656 provides a pathway to retirement benefits, while the Form 8888 helps manage the financial outcomes of those benefits. Both documents emphasize the importance of sound financial decisions during and after military service.
Dos and Don'ts
Filling out the DD 2656 form can be a crucial step in managing your benefits. Here are some important dos and don'ts to keep in mind:
- Do read the instructions carefully before starting. Understanding the requirements will save you time and prevent mistakes.
- Don't rush through the form. Take your time to ensure all information is accurate and complete.
- Do double-check your personal information, such as your Social Security number and date of birth. Errors can lead to delays in processing.
- Don't leave any required fields blank. If a question does not apply to you, indicate that clearly.
- Do keep a copy of the completed form for your records. This can be useful for future reference or if you need to follow up.
- Don't submit the form without reviewing it one last time. A final check can catch any overlooked errors.
By following these guidelines, you can make the process smoother and more efficient. Good luck!
Misconceptions
The DD 2656 form is important for military members and their families, yet there are several misconceptions surrounding it. Here are nine common misunderstandings:
-
It is only for retirement purposes.
Many believe the DD 2656 is solely for retirement. In reality, it is used for various benefits, including survivor benefits and insurance coverage.
-
Only active-duty members need to fill it out.
Reservists and retired members may also need to complete this form to ensure their benefits are properly managed.
-
Submitting the form is optional.
Some think that filling out the DD 2656 is not mandatory. However, it is essential for receiving certain benefits.
-
It can be submitted anytime.
There are specific timelines for submitting the DD 2656, especially when it comes to retirement and other benefits.
-
Once submitted, it cannot be changed.
People often believe that changes are impossible after submission. In fact, updates can be made if circumstances change.
-
It only needs to be filled out once.
This form may need to be completed multiple times throughout a service member's career, especially when life events occur.
-
It is only relevant for the service member.
Family members also play a crucial role. They may need to provide information or sign off on certain sections.
-
There is no deadline for submission.
Some believe they can take their time. However, delays can affect benefit eligibility, making timely submission critical.
-
It is a complicated form.
While it may seem daunting, the DD 2656 is designed to be straightforward. With careful attention, it can be completed easily.
Understanding these misconceptions can help ensure that service members and their families correctly navigate the benefits process.
Key takeaways
The DD 2656 form is an important document for military members and their families. Here are some key takeaways to keep in mind when filling it out and using it:
- The DD 2656 form is used to establish a member's eligibility for retirement pay and benefits.
- It is essential to provide accurate personal information, including your Social Security number and service details.
- Make sure to include information about your beneficiaries, as this affects who will receive benefits after your passing.
- Review the form carefully for any errors before submission; mistakes can delay processing.
- The form can be submitted electronically or by mail, depending on your preference and the requirements of your service branch.
- Keep a copy of the completed form for your records. This can be helpful for future reference.
- Be aware of deadlines associated with the form. Timely submission is crucial to ensure you receive your benefits without interruption.