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Learn how to get through your divorce on solid financial ground.
Divorce is a life-changing event. It doesn't have to wreck your financial future.
The money moves you make during this crucial time can have long-lasting effects. Learn more about how you can prepare:
It's likely you'll need to make some changes to your accounts, whether that means changing who has access, changing passwords or just getting your own checking account or credit cards. Take control of your finances:
One of the first items you'll need is a new budget. Expenses often increase when married couples no longer split insurance policies, cellphone plans and other household costs. All of these lead to the need for a new budget to reflect your new situation.
If you or your spouse are in the military, make sure your lawyer knows the special considerations of military divorces. Learn more about going through a divorce in the military:
See where you might need to adjust insurance coverage. You'll want to consider how divorce affects your retirement and estate planning, too.
Consider updating nonretirement accounts, such as checking and savings, after your divorce. You'll also want to think about the beneficiaries on life insurance policies and retirement accounts like IRA or 401(k).
If you're getting a divorce, you may need to update the names on your policy. You may also want to evaluate your coverage.
During a divorce, you may want to take stock of your high-value property like rings, cameras, art and household valuables. A Valuable Personal Property (VPP) policy can help protect them with no deductible. And you can save by combining it with your auto, home or renters insurance.Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.
If you're getting a divorce, you may need to update your policy information.
After a divorce, you'll need to remove your ex-spouse from your policy. You don't have to wait for the next enrollment period.
It's important to evaluate your future plans after a divorce. You may want to update your beneficiaries and estate documents.
You can easily update your marital status online.Any information you provided is voluntary and will not be considered in connection with a request or application for insurance products/services, and may be used by USAA for marketing and other business purposes as set forth in the USAA Privacy Promise. This won't affect your membership and helps us serve you better.
The USAA personalized moving checklist, insurance options and financial tools help you maintain financial stability during your move.
We have tools that can assist you.
Get discounts through USAA Perks® on services like moving, car rentals, travel, setting up in your new home and more.
Help reduce stress and keep more of your hard-earned money by managing debt.
Translate military skills, build a resume and prepare for interviews with career planning tools from RecruitMilitary®, a USAA alliance.
If you've established USAA membership during marriage, you won't lose it upon divorce. If you didn't establish membership while married, please call us to discuss your options at 800-531-USAA (8722).
USFSPA is a law that provides some financial protections for military spouses in the event of divorce. The law recognizes the right of individual states to distribute military retirement pay between the two parties.
Each rule provides guidance as to how long the marriage must have lasted and how much time overlapped with military service for the nonmilitary spouse to be entitled to certain benefits like TRICARE and commissary access.
It's a myth that you must meet the 10/10 rule to receive a portion of military retirement pay. That decision is up to the state and the court order. Meeting the 10/10 rule means the nonmilitary spouse would be paid their portion of military retirement directly from Defense Finance and Accounting Service (DFAS).
If you're getting a divorce, a lot of things in your life may be changing. Updating your profile, establishing your membership or setting up your Online ID allow us to help you during what may be a difficult time.
Call us at 210-531-USAA (8722) 2 1 0 5 3 1 U S A A, that's 2 1 0 5 3 1 8 7 2 2 or chat online.