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38 U.S.C. § 1904 — Plans of insurance

Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 1904 — Plans of insurance

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Source location: Title 38, Chapter 19, § 1904; chapter-019-insurance.md

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**(a)** Insurance may be issued on the following plans: Five-year level premium term, ordinary life, twenty-payment life, thirty-payment life, twenty-year endowment, endowment at age sixty, and endowment at age sixty-five. Level premium term insurance may be converted as of the date when any premium becomes or has become due, or exchanged as of the date of the original policy, upon payment of the difference in reserve, at any time while such insurance is in force and within the term period to any of the foregoing permanent plans of insurance, except that conversion to an endowment plan may not be made while the insured is totally disabled. **(b)** Under such regulations as the Secretary may promulgate a policy of participating insurance may be converted to or exchanged for insurance issued under this subsection on a modified life plan. Insurance issued under this subsection shall be on the same terms and conditions as the insurance which it replaces, except (1) the premium rates for such insurance shall be based on the 1958 Commissioners Standard Ordinary Basic Table of Mortality and interest at the rate of 3 per centum per annum; (2) all cash, loan, paid-up, and extended values shall be based on the 1958 Commissioners Standard Ordinary Basic Table of Mortality and interest at the rate of 3 per centum per annum; and (3) at the end of the day preceding the sixty-fifth birthday of the insured the face value of the modified life insurance policy or the amount of extended term insurance thereunder shall be automatically reduced by one-half thereof, without any reduction in premium. **(c)** Under such regulations as the Secretary may promulgate, a policy of nonparticipating insurance may be converted to or exchanged for insurance issued under this subsection on a modified life plan. Insurance issued under this subsection shall be on the same terms and conditions as the insurance which it replaces, except that (1) term insurance issued under section 621 of the National Service Life Insurance Act of 1940 shall be deemed for the purposes of this subsection to have been issued under [section 1923(b) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1923/b&num=0&edition=prelim); and (2) at the end of the day preceding the sixty-fifth birthday of the insured the face value of the modified life insurance policy or the amount of extended term insurance thereunder shall be automatically reduced by one-half thereof, without any reduction in premium. Any person eligible for insurance under section 1922(a), or [section 1925 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1925&num=0&edition=prelim) may be granted a modified life insurance policy under this subsection which, subject to exception (2) above, shall be issued on the same terms and conditions specified in section 1922(a) or section 1925, whichever is applicable. **(d)** Any insured whose modified life insurance policy is in force by payment or waiver of premiums on the day before the insured’s sixty-fifth birthday may upon written application and payment of premiums made before such birthday be granted National Service Life Insurance, on an ordinary life plan, without physical examination, in an amount of not less than $500, in multiples of $250, but not in excess of one-half of the face amount of the modified life insurance policy in force on the day before the insured’s sixty-fifth birthday. Insurance issued under this subsection shall be effective on the sixty-fifth birthday of the insured. The premium rate, cash, loan, paid-up, and extended values on the ordinary life insurance issued under this subsection shall be based on the same mortality tables and interest rates as the insurance issued under the modified life policy. Settlements on policies involving annuities on insurance issued under this subsection shall be based on the same mortality or annuity tables and interest rates as such settlements on the modified life policy. If the insured is totally disabled on the day before the insured’s sixty-fifth birthday and premiums on the insured’s modified life insurance policy are being waived under [section 1912 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1912&num=0&edition=prelim) or the insured is entitled on that date to waiver under such section the insured shall be automatically granted the maximum amount of insurance authorized under this subsection and premiums on such insurance shall be waived during the continuous total disability of the insured. **(e)** After June 30, 1972, and under such regulations as the Secretary may promulgate, insurance may be converted to or exchanged for insurance on a modified life plan under the same terms and conditions as are set forth in subsections (b) and (c) of this section except that at the end of the day preceding the seventieth birthday of the insured the face value of the modified life insurance policy or the amount of extended insurance thereunder shall be automatically reduced by one-half thereof, without any reduction in premium. Any insured whose modified life insurance policy issued under this subsection is in force by payment or waiver of premiums on the day before the insured’s seventieth birthday may be granted insurance on the ordinary life plan upon the same terms and conditions as are set forth in subsection (d) of this section except that in applying such provisions the seventieth birthday is to be substituted for the sixty-fifth birthday. Notwithstanding any other provision of law or regulations the Secretary under such terms and conditions as the Secretary determines to be reasonable and practicable and upon written application and payment of the required premiums, reserves, or other necessary amounts made within one year from the effective date of this subsection by an insured having in force a modified life plan issued under subsection (b) or (c) of this section, including any replacement insurance issued under subsection (d) of this section or other provision of this title, can exchange such insurance without proof of good health for an amount of insurance issued under this subsection equal to the insurance then in force or which was in force on the day before such insured’s sixty-fifth birthday, whichever is the greater.

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 1925 — Limited period for acquiring insurance

**(a)** Any person (other than a person referred to in subsection (f) of this section) heretofore eligible to apply for National Service Life Insurance after October 7, 1940, and before January 1, 1957, who is found by the Secretary to be suffering (1) from a service-connected disability or disabilities for which compensation would be payable if 10 percent or more in degree and except for which such person would be insurable according to the standards of good health established by the Secretary; or (2) from a non-service-connected disability which renders such person uninsurable according to the standards of good health established by the Secretary and such person establishes to the satisfaction of the Secretary that such person is unable to obtain commercial life insurance at a substandard rate, shall, upon application in writing made before May 2, 1966, compliance with the health requirements of this section and payment of the required premiums, be granted insurance under this section. **(b)** If, notwithstanding the applicant’s service-connected disability, such person is insurable according to the standards of good health established by the Secretary, the insurance granted under this section shall be issued upon the same terms and conditions as are contained in the standard policies of National Service Life Insurance except (1) five-year level premium term insurance may not be issued; (2) the net premium rates shall be based on the 1958 Commissioners Standard Ordinary Basic Mortality Table, increased at the time of issue by such an amount as the Secretary determines to be necessary for sound actuarial operations, and thereafter such premiums may be adjusted as the Secretary determines to be so necessary but at intervals of not less than two years; (3) an additional

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 1912 — Total disability waiver

**(a)** Upon application by the insured and under such regulations as the Secretary may promulgate, payment of premiums on insurance may be waived during the continuous total disability of the insured, which continues or has continued for six or more consecutive months, if such disability began (1) after the date of the insured’s application for insurance, (2) while the insurance was in force under premium-paying conditions, and (3) before the insured’s sixty-fifth birthday. Notwithstanding any other provision of this chapter, in any case in which the total disability of the insured commenced on or after the insured’s sixtieth birthday but before the insured’s sixty-fifth birthday, the Secretary shall not grant waiver of any premium becoming due prior to January 1, 1965. **(b)** The Secretary, upon any application made after August 1, 1947, shall not grant waiver of any premium becoming due more than one year before the receipt by the Secretary of application for the same, except as provided in this section. Any premiums paid for months during which waiver is effective shall be refunded. The Secretary shall provide by regulations for examination or reexamination of an insured claiming benefits under this section, and may deny benefits for failure to cooperate. If it is found that an insured is no longer totally disabled, the waiver of premiums shall cease as of the date of such finding and the policy of insurance may be continued by payment of premiums as provided in said policy. In any case in which the Secretary finds that the insured’s failure to make timely application for waiver of premiums or the insured’s failure to submit satisfactory evidence of the existence or continuance of total disability was due to circumstances beyond the insured’s control, the Secretar

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 704 — Waiver of pay limitation for certain employees

**(a) Employees of Veterans Health Administration Impacted by Closure or Realignment.—** Notwithstanding any other provision of law, the Secretary may waive any annual premium or aggregate limitation on pay for an employee of the Veterans Health Administration for the calendar year during which— (1) the official duty station of the employee is closed; or (2) the office, facility, activity, or organization of the employee is realigned. **(b) Employees Providing Care to Veterans Exposed to Open Burn Pits.—** (1) **In general.—** — Notwithstanding any other provision of law, the Secretary may waive any annual premium or aggregate limitation on pay for an employee of the Department whose primary duties include providing expanded care for veterans exposed to open burn pits. (2) **Open burn pit defined.—** — In this subsection, the term “open burn pit” has the meaning given that term in section 201(c) of the Dignified Burial and Other Veterans’ Benefits Improvement Act of 2012 (Public Law 112–260; [38 U.S.C. 527](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section527&num=0&edition=prelim) note). **(c) Coordination With Office of Personnel Management.—** In implementing this section, the Secretary shall coordinate with the Director of the Office of Personnel Management. **(d) Reports.—** (1) **In general.—** — For each quarter that the Secretary waives a limitation under this section, the Secretary shall submit to the Committee on Veterans’ Affairs of the Senate, the Committee on Veterans’ Affairs of the House of Representatives, and the Office of Personnel Management a report on the waiver or waivers. (2) **Contents.—** — Each report submitted under paragraph (1) with respect to a waiver or waivers shall include the following: (A) Where th

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 3904 — Research and development

**(a)** In carrying out medical and prosthetic research under [section 7303 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section7303&num=0&edition=prelim), the Secretary, through the Under Secretary for Health, shall provide for special emphasis on the research and development of adaptive equipment and adapted conveyances (including vans) meeting standards of safety and quality prescribed under subsection (d) of section 3903, including support for the production and distribution of devices and conveyances so developed. **(b)** In carrying out subsection (a) of this section, the Secretary, through the Under Secretary for Health, shall consult and cooperate with the Secretary of Health and Human Services and the Secretary of Education, in connection with programs carried out under section 204(b)(3) of the Rehabilitation Act of 1973 (relating to the establishment and support of Rehabilitation Engineering Research Centers).

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 3903 — Limitations on assistance; special training courses

**(a)** (1) Except as provided in paragraphs (2) and (3), no eligible person shall be entitled to receive more than one automobile or other conveyance under the provisions of this chapter, and no payment shall be made under this chapter for the repair, maintenance, or replacement of an automobile or other conveyance. (2) The Secretary may provide or assist in providing an eligible person with a second automobile or other conveyance under this chapter if— (A) the Secretary receives satisfactory evidence that the automobile or other conveyance previously purchased with assistance under this chapter was destroyed— (i) as a result of a natural or other disaster, as determined by the Secretary; and (ii) through no fault of the eligible person; and (B) the eligible person does not otherwise receive from a property insurer compensation for the loss. (3) The Secretary may provide or assist in providing an eligible person with an additional automobile or other conveyance under this chapter— (A) if more than 30 years have elapsed since the eligible person most recently received an automobile or other conveyance under this chapter; or (B) beginning on the day that is 10 years after date 11 So in original. Probably should be preceded by “the”. of the enactment of the Veterans Auto and Education Improvement Act of 2022, if more than 10 years have elapsed since the eligible person most recently received an automobile or other conveyance under this chapter. **(b)** (1) Except as provided in subsection (d) of [section 3902 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section3902&num=0&edition=prelim), no eligible person shall be provided an automobile or other conveyance under this chapter until it is established to the

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Federal law — U.S. Code and appendices · legal_authorities

38 U.S.C. § 1904 — Plans of insurance

Page 497 TITLE 38—VETERANS’ BENEFITS § 1904 ‘‘Veterans’ Special Life Insurance’’ for ‘‘Veterans’ spe- cial term insurance’’ in item 723. 1971—Pub. L. 92–188, § 3, Dec. 15, 1971, 85 Stat. 645, sub- stituted ‘‘Payment or use of dividends’’ for ‘‘Dividends to pay premiums’’ in item 707. 1970—Pub. L. 91–291, § 7, June 25, 1970, 84 Stat. 331, sub- stituted ‘‘Duration and termination of coverage; con- version’’ for ‘‘Termination of coverage; conversion’’ in item 768. 1965—Pub. L. 89–214, § 2, Sept. 29, 1965, 79 Stat. 886, re- designated ‘‘SUBCHAPTER III—GENERAL’’ as ‘‘SUB- CHAPTER IV—GENERAL’’ and inserted ‘‘SUB- CHAPTER III—SERVICEMEN’S GROUP LIFE INSUR- ANCE’’ comprising items 765 to 776. 1964—Pub. L. 88–664, § 12(c), Oct. 13, 1964, 78 Stat. 1099, added item 725. SUBCHAPTER I—NATIONAL SERVICE LIFE INSURANCE § 1901. Definitions For the purposes of this subchapter— (1) The term ‘‘insurance’’ means National Service Life Insurance. (2) The terms ‘‘widow’’ or ‘‘widower’’ mean a person who was the lawful spouse of the insured at the maturity of the insurance. (3) The term ‘‘child’’ means a legitimate child, an adopted child, and, if designated as bene- ficiary by the insured, a stepchild or an illegit- imate child. (4) The terms ‘‘parent’’, ‘‘father’’, and ‘‘moth- er’’ mean a father, mother, father through adop- tion, mother through adoption, persons who have stood in loco parentis to a member of the military or naval forces at any time before entry into active service for a period of not less than one year, and a stepparent, if designated as beneficiary by the insured. (Pub. L. 85–857, Sept. 2, 1958, 72 Stat. 1148, § 701; renumbered § 1901, Pub. L. 102–83, § 5(a), Aug. 6, 1991, 105 Stat. 406.) Editorial Notes PRIOR PROVISIONS Prior section 1901 was

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