---
kind: "section"
citation: "10 U.S.C. § 12525"
title: "10"
title_heading: "Armed Forces"
number: "12525"
heading: "Benefit amounts"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/10/12525"
units:
  - "Subtitle E — Reserve Components"
  - "Part II — Personnel Generally"
  - "Chapter 1214 — Ready Reserve Mobilization Income Insurance"
---

# §12525. Benefit amounts

- (a) **Basic Benefit.—** The basic benefit for an [insured member](/usc/10/12521.md?p=3) under the [insurance program](/usc/10/12521.md?p=1) is $1,000 per month (as adjusted under [subsection (d)](#d)).
- (b) **Reduced and Enhanced Benefits.—** Under the regulations prescribed by the [Secretary](/usc/10/12521.md?p=4), a person enrolled for coverage under the [insurance program](/usc/10/12521.md?p=1) may elect—
  - (1) a reduced coverage benefit equal to one-half the amount of the basic benefit; or
  - (2) an enhanced benefit in the amount of $1,500, $2,000, $2,500, $3,000, $3,500, $4,000, $4,500, or $5,000 per month (as adjusted under [subsection (d)](#d)).
- (c) **Amount for Partial Month.—** The amount of insurance payable to an [insured member](/usc/10/12521.md?p=3) for any period of [covered service](/usc/10/12521.md?p=2) that is less than one month shall be determined by multiplying <sup>1</sup>⁄<sub>30</sub> of the monthly benefit [rate](/usc/10/101.md?p=b-9) for the member by the number of days of the [covered service](/usc/10/12521.md?p=2) served by the member during such period.
- (d) **Adjustment of Amounts.—**
  - (1) The [Secretary](/usc/10/12521.md?p=4) shall determine annually the effect of inflation on benefits and shall adjust the amounts set forth in subsections [(a)](#a) and [(b)(2)](#b-2) to maintain the constant dollar value of the benefit.
  - (2) If the amount of a benefit as adjusted under [paragraph (1)](#d-1) is not evenly divisible by $10, the amount shall be rounded to the nearest multiple of $10, except that an amount evenly divisible by $5 but not by $10 shall be rounded to the next lower amount that is evenly divisible by $10.

## Source credit

(Added Pub. L. 104–106, div. A, title V, § 512(a)(1), Feb. 10, 1996, 110 Stat. 301.)