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Eligibility

Surviving Spouses, National Guard & Reserve Eligibility

The three groups most often told 'you don't qualify' when they actually do. Here's what's true in 2026.

Rachel Forrester Updated May 5, 2026 7 min read

Surviving spouses

You qualify if your spouse died in service, or from a service-connected disability, or was a POW/MIA, or was totally disabled at time of death.

Un-remarried is the general rule, with important exceptions. Remarriage after age 57 does not disqualify you. This one alone re-opens the benefit for thousands of surviving spouses each year.

National Guard

6 years of creditable service in the Selected Reserve qualifies you, or 90 cumulative days of active federal service under Title 10.

The 2020 Johnny Isakson and David P. Roe Act expanded eligibility for many Guard members whose orders were previously ambiguous. If you were told 'no' before 2020, ask again.

Reserves

Same 6-year Selected Reserve rule. Active-duty periods under Title 10 also count toward eligibility for many Reservists.

NGB-22 or equivalent service documentation is what we usually need to prove eligibility on unusual Guard/Reserve service records.

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