Thanks for the chance to help. I am an attorney with over 12 years military law
Ma'am I am sorry for the delay on this. Let me address your questions in order
Is this enrollment necessary to extend his retirement payments beyond his death if he is already 60 years old?
YES. By law, retired pay ends on the death of the service member. Period. There is no waiver provision. SBP
and RCSBP are both insurance programs that allow the service member to designate a beneficiary and specify an amount of money to be paid to the beneficiary that is tied to the member's retirement salary. They can protect up to 55% of their pension...or, in other words, they have an insurance benefit of up to 55% of their retired pension amount. If they die before the beneficiary, SBP and RCSBP will pay the beneficiary the contracted amount for the remainder of the life of the beneficiary
He does not believe he needs to enroll for this to happen. If he does not enroll, and turns 60, do his retirement payments continue to come to me if he dies before me?
No. As I explain above, military retired pay ends on the death of the member. Period. There is no way to prevent this. So Congress set up SBP and RCSBP to provide a way for a member to ensure a stream of income to their dependent.
But if you do not elect and pay for it? You do not get the benefit