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Frequently Asked Questions Insurance

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Increasing or Decreasing Coverage

  • Can I enroll in or increase my FEGLI life insurance if I have a life event during a break in service? View more
    If you had a life event during a break in service, you may still be able to enroll or increase your coverage. You normally have 60 days from the date of a life event (marriage, divorce, death of a spouse, acquisition of a child) to enroll or increase your coverage. Your agency can extend this 60-day time limit if you had a change in your family status during a break in service of less than 180 days or during the 60-day period immediately before separation. You will have 31 days from the date of reinstatement or 60 days from the date of the event, whichever gives you more time, to enroll or increase the number of multiples in Option B and/or Option C. In order to make a change based on a life event, you must submit a Life Insurance Election (SF 2817) to your human resources office within the appropriate time limit.
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  • How do I enroll or increase my FEGLI life insurance by getting a physical? View more
    If at least one year has passed since the effective date of your last waiver of some FEGLI life insurance coverage, you may get a physical exam at your own expense using the Request for Insurance.  You and your human resources office must complete part of the form. You then take the form to your physician. He or she will complete the rest of the form and send it to the Office of Federal Employees' Group Life Insurance (OFEGLI). If OFEGLI approves your request, they will notify your human resources office. Your human resources office will automatically enroll you in Basic insurance, unless you already have Basic. You will have 60 days from OFEGLI's approval to elect Option A and/or up to 5 multiples of Option B.
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  • Can I increase my FEGLI life insurance coverage if I am a civilian employee in the Department of Defense who is designated as "emergency essential?" View more
    Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new FEGLI life insurance election opportunities for certain employees. The new election applies if you are a civilian employee in the Department of Defense eligible for FEGLI who is designated as "emergency essential" under section 1580 of Title 10.  You may elect Basic, Option A and Option B (up to the maximum of 5 multiples). You must make the election on the FEGLI election form within 60 days of the date of the notification of the designation as an emergency essential employee..  Contact your employing agency human resources office for more information. More details available in BAL 08-204 and BAL 12-201.
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  • Do I need to wait until an Open Season in order to cancel my FEGLI life insurance? View more
    No. You may cancel life insurance coverage at any time. Be aware that your opportunities to re-enroll are limited.
    • Employees:
    To cancel some or all FEGLI coverage as an employee, submit SF 2817 to your human resources office and sign only for the FEGLI coverage that you want to KEEP.
    • Retirees:
    To cancel some or all FEGLI coverage as an annuitant, there is no form.  You must write a letter to: Office of Personnel Management  Retirement Operations Center  P.O. Box 45  Boyers, PA 16017-0045 Any cancellation or reduction of life insurance must be in writing and have an original signature by the insured retiree.  Be sure to include your retirement claim number (CSA number) or social security number and specify what action you want taken.  Please note you cannot increase your coverage after retirement, or reinstate any coverage that you cancel.    The cancellation is effective, and all insurance stops, at the end of the pay period in which you properly file the waiver.  For retirees, a month is considered a pay period. You continue to have the coverage through the pay period in which you file the waiver and must pay premiums for that pay period.  You will not receive a refund for premiums withheld prior to the effective date of cancellation.
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