---
kind: "section"
citation: "10 U.S.C. § 12523"
title: "10"
title_heading: "Armed Forces"
number: "12523"
heading: "Risk insured"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/10/12523"
units:
  - "Subtitle E — Reserve Components"
  - "Part II — Personnel Generally"
  - "Chapter 1214 — Ready Reserve Mobilization Income Insurance"
---

# §12523. Risk insured

- (a) **In General.—** The [insurance program](/usc/10/12521.md?p=1) shall insure members of the Ready [Reserve](/usc/10/101.md?p=c-6) against the risk of being ordered into [covered service](/usc/10/12521.md?p=2).
- (b) **Entitlement to Benefits.—**
  - (1) An [insured member](/usc/10/12521.md?p=3) ordered into [covered service](/usc/10/12521.md?p=2) shall be entitled to payment of a benefit for each month (and fraction thereof) of [covered service](/usc/10/12521.md?p=2) that exceeds 30 days of [covered service](/usc/10/12521.md?p=2), except that no member may be paid under the [insurance program](/usc/10/12521.md?p=1) for more than 12 months of [covered service](/usc/10/12521.md?p=2) served during any period of 18 consecutive months.
  - (2) Payment shall be based solely on the insured status of a member and on the period of [covered service](/usc/10/12521.md?p=2) served by the member. Proof of loss of income or of expenses incurred as a result of [covered service](/usc/10/12521.md?p=2) may not be required.

## Source credit

(Added Pub. L. 104–106, div. A, title V, § 512(a)(1), Feb. 10, 1996, 110 Stat. 300.)