DM is correct. You will back date it. In fact, the SM has up to 180 days AFTER discharge to come back to you and invoke their rights. One key element is when their coverage actually started. The definition can vary. In simple terms, if I were called to active duty today, receiving my orders today and reporting in a month, I would be covered under SCRA today. If I went and saw my recruiter and enlisted today, reporting for duty in a month, I would be covered in a month. That will help you gauge the effective date and where you start your reamortization.
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Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell