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Frequently Asked Questions Insurance

How do I waive premium conversion?

You should obtain, complete and return a waiver/election form to your employing office. You may waive participation in premium conversion (or elect to participate, if you previously waived) during the annual FEHB Open Season. Also, you may have the opportunity to waive participation in premium conversion if you've experienced a Qualifying life event (QLE). Refer to the QLE section for more information.

FEHB Open Season

During the FEHB Open Season, you will have an opportunity to elect or waive your participation in premium conversion. An Open Season election to participate or waive participation in premium conversion must be received by your employing agency no later than the last day of the Open Season to be considered timely filed. The effective date of your election will be the same as the effective date of an FEHB enrollment election: the first payroll period that begins on or after January 1st. If your agency accepts and processes a late Open Season enrollment election, it must also accept a late election to participate or waive participation in premium conversion.

Because elections begin with pay periods, when you change participation in premium conversion (begin or waive participation) during the FEHB Open Season, there will likely be at least one payroll paid date in the subsequent calendar year in which your FEHB deductions reflect the previous election.

Example

Mark G. had previously waived participation in premium conversion. He opted to participate again in premium conversion during the November 2002 Open Season. Mr. G. is paid on a biweekly basis, with the following payroll periods:

Payroll Begin Date End Date Pay Date Pre-Tax/ After-tax
01 12/15/02 12/28/02 1/8/03 after-tax
02 12/29/02 1/11/03 1/22/03 after-tax
03 1/12/03 1/25/03 2/5/03 pre-tax

Mr. Marks' payroll office would treat his FEHB deductions on an after-tax basis through the end of payroll period 02.

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