Spouses husband passed away. Spouse applied for DIC and received it. Husband passed on the day he received his award letter and was rated 100 percent temp. But passed away because of his service connection. Spouse applied for S-VGLI and was denied because she could not prove he was incompetent at the time of death. Husband could not apply for the life insurance because he was awarded the 100 percent rating the day he passed. The policy would be free for 100 percent disabled vets in the amount of $10,000.00 I believe, if they apply for it within 1 year. Since he could not apply would the spouse have any recourse?