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Insurance FAQs

Life

  • When your FEGLI group life insurance terminates, you are entitled to convert your coverage to an individual policy.  Exception: If you return to Federal service in a FEGLI eligible position within three calendar days after the date your insurance stops, your coverage will continue and you are not eligible to convert.  Note: There is no conversion privilege if you cancel your coverage. There is no conversion privilege when your annuity or compensation is terminated and your FEGLI stops. Under the conversion privilege, you may convert all or any part of your Basic and Optional insurance to an individual policy.  No medical examination is required, although you may be asked a few questions about your health to see if you qualify for a lower premium.  You do not have to answer these questions, but if you do not, you may be paying a higher premium than necessary.    The individual policy will be issued by an insurance company you (or your assignee(s), if applicable) select from the list of approved companies that have been accepted by OPM as eligible and that has agreed to issue such policies under the provisions of the FEGLI contract.    The individual policy may be for any type of life insurance customarily issued by the insurance company you select, except term insurance, universal life insurance, or any other type of life insurance with an indeterminate premium.  It cannot include disability or Accidental Death & Dismemberment benefits.  Any insurance policy purchased under the conversion privilege is a private business transaction between you and the insurance company.  The cost of the individual policy is determined by the insurance company and is based on your age and class of risk. Since you will no longer be part of the group contract, the premium payments may be much higher than the FEGLI premiums. When your insurance terminates, your employing office must give you a Notice of Conversion Privilege (SF 2819). If you wish to convert your coverage, you must send the SF 2819 to Office of Federal Employees’ Group Life Insurance (OFEGLI) within the 31-day time limit for converting. Your agency must also give you an Agency Certification of Insurance Status (SF 2821). Send that form to OFEGLI along with the SF 2819.  If you do not have the SF 2821, do not delay in sending the SF 2819. Go ahead and send the SF 2819. You should request a completed SF 2821 from your agency before the expiration of the 31 day time limit and forward it to OFEGLI. OFEGLI needs the SF 2821 to calculate the amount of insurance you can convert. Once OFEGLI has received your SF 2819 and SF 2821, it will send you a list of insurance companies that are offering conversion policies in your area.  You must contact the companies to get information on the conversion policy and the cost. 
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  • Your insurance continues automatically for the first 12 months of nonpay status. If you return to pay status for a period of four consecutive months or more, you start a new 12-month period of continued coverage. Four consecutive months in pay status means any four-month period during which you are in pay status for at least part of each pay period. For example:
    Melissa was on leave without pay (LWOP) from January 1 to February 28, 2012. She returned to work on March 1, 2012. She worked through July 31, 2012, and again went on LWOP. Since she was in a pay and duty status for at least four consecutive months, she will start a new 12-month period of continued coverage. The period she was on LWOP from January 1 through February 28, 2012, will not count against the new 12-month period that starts August 1, 2012. 
    If you return to pay status for less than four consecutive months, and you then again go into a nonpay status, you continue in the same 12-month nonpay status period. Another example will help.
    Mai went on leave without pay (LWOP) on February 1, 2012. She then returned to work on May 1, 2012. She worked through July 31, 2012, and again went on LWOP beginning August 1, 2012. Since she was in a pay status for less than four months, we continue in the same 12-month LWOP status. If she does not return to pay and duty status, Mai's life insurance will end at the end of the day on April 30, 2013.
    If you return to pay status for less than four consecutive months after your insurance ends due to 12 months in nonpay status, you do not get another 12-month period of continued coverage. You have insurance while you are again in pay status, but your insurance will stop on the last day of your last pay period in pay status. Here is an example of this situation.
    Carlos' insurance ended on August 31, 2012 which was the end of 12 months in a nonpay status. Carlos returned to work on October 1, 2012. His life insurance is reinstated. On November 16, 2012, Carlos again goes into a LWOP status. Since he was in a pay status for less than four consecutive months, his life insurance ends at the end of the last day of the pay period in which Carlos went on LWOP or November 20, 2012. He does not begin a new 12-month period of continued coverage.
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  • FEGLI Option C covers the lives of the enrolled employee/retiree's eligible family members.  Eligible family members for Option C include a spouse (including a valid common law marriage) and eligible dependent children. Eligible dependent children must be unmarried and under age 22, or if age 22 or over, incapable of self-support because of a mental or physical disability that existed before the child reached age 22. Eligible dependent children include natural children, adopted children, stepchildren (if they live with you in a regular parent-child relationship), recognized natural children, and foster children (if they live with you in a regular parent-child relationship). Stillborn children are not covered. If you have any questions about eligible family members, please consult your human resources office. That office is responsible for determining eligibility. Option C comes in 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for a spouse and $2,500 for each eligible dependent child.
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  • 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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  • No. The number of multiples you carry under Option C life insurance is not linked to the number of eligible family members you have. You may elect one, two, three, four, or five multiples of coverage regardless of how many eligible family members you have. Each multiple is equal to $5,000 for your spouse and $2,500 for each of your eligible dependent children.  The Option C premium is the same regardless of how many eligible family members you have.
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  • You can download and print the FE-6 here.  OFEGLI will also mail a claim form to all beneficiaries. Complete the FE-6 Claim for Death Benefits according to the instructions on the form. If you need help, contact MetLife at 1-800-633-4542.
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  • Yes.  When you no longer have any eligible family members, contact your human resources office to cancel the Option C coverage. The cancellation is effective the end of the pay period in which you no longer had any eligible family members.  If you stopped having eligible family members before the current pay period, your Option C cancellation is retroactive to the last pay period when you had an eligible family member and your agency will reimburse your Option C premiums paid since then. For more information, see the FEGLI Handbook.
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  • Not unless you have legally adopted your grandchild or if your grandchild meets the definition of a foster child. To qualify as a foster child, the child must live with you in a regular parent-child relationship and you must expect to raise the child to adulthood. For more information, see the FEGLI Handbook. FEGLI life insurance
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  • No. There are no waivers of the five year/all opportunity rule for continuing FEGLI life insurance coverage into retirement. There are no exceptions to the "no waiver" rule — it does not matter whether you retire on disability, accept a voluntary incentive payment, etc. The only way to continue coverage into retirement is to meet the five year/all opportunity rule. Yes, this is different from the health benefits program which does allow for waivers under certain circumstances. For more information about retiring with FEGLI life insurance, see the FEGLI Handbook.
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  • Most Federal employees are automatically enrolled in Basic insurance unless they waive this coverage. Basic is effective on the first day you enter in a pay and duty status in an eligible position. If you have Basic insurance, you may also elect Optional insurance. You must specifically elect the types of Optional insurance you wish to carry within 60 days of becoming eligible. Optional insurance is effective on the first day you are in a pay and duty status on or after the day your human resources office receives your election. To elect Optional insurance within 60 days of becoming eligible, or to cancel (waive) Basic, submit the FEGLI Election Form to your human resources office.
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  • No. Once you are enrolled in Option C life insurance, all eligible family members are automatically covered. For more information see the FEGLI Handbook.
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  • 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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  • Your enrollment in Basic will be effective on the first day you are in pay and duty status on or after the date OFEGLI approves your request. If you also want to enroll in Option A and/or Option B, this coverage will be effective on the first day you are in pay and duty status on or after the date OFEGLI approves your request and your human resources office receives your Life Insurance Election (SF 2817) electing such coverage.
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  • In theory, yes. If you can find someone willing to pay you cash in return for your assignment, certainly you are free to enter into such an arrangement. In practice, no. Viatical settlement firms pay terminally or chronically ill individuals cash in exchange for receiving the assignment of their life insurance coverage. While the required life expectancies vary by firm, no firm in the industry will pay for receiving assignment from an individual who is not terminally or chronically ill. It simply makes no sense. The firm would have no expectation of when they would receive the death benefit. They would have to discount the amount paid so much in order to account for this uncertainty, that the amount paid would go down to zero. For more information about assignment, see the FEGLI Handbook.
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  • No. You cannot convert Option C life insurance when family members lose eligibility. You can convert Option C only when you separate from service. If you do not want to convert the coverage when you separate, your family members covered under Option C are eligible to convert their coverage to an individual policy. Eligible family members can also convert their coverage upon your death. They can ask your human resources office for a Notice of Conversion Privilege (SF 2819).
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  • 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 eligible for FEGLI who is deployed in support of a contingency operation as defined by section 101 (a) (13) 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 after the date of notification of your deployment in support of a contingency operation. 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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  • When you retire, you are eligible to continue life insurance if you meet all of the following requirements:
    • you are entitled to retire on an immediate annuity under a retirement system for civilian employees;
    • you have been insured for the 5 years of service immediately before the date your annuity starts, or for the full period(s) of service during which you were eligible to be insured if less than 5 years; and
    • you have not converted to an individual policy.
    You must meet the five year/all opportunity requirement for Basic and each type of Optional insurance in order to continue it into retirement. For purposes of continuing FEGLI coverage into retirement, "service" means time in a position in which you were eligible for coverage. Breaks in service are not counted as interruptions in coverage. An example will help.
    • Joan first became eligible and enrolled in Basic and Option A coverage on February 11, 1990. She had a break in service from January 1, 1994, through January 1, 1996. Upon her return to service on January 2, 1996, she was automatically given Basic and Option A. She retires on December 31, 1997. She is eligible to continue her Basic and Option A coverage into retirement, since she has been continuously enrolled for the 5 years of service immediately before retirement.
    Here's another example.
    • Theodore had Basic only when he was hired in May 1966. In 1981, during the Open Season, he elected Basic and Option B, two times his salary. In November 1996, he married Isabelle and also acquired two stepchildren. Based on this life event, Theodore added 3 multiples of Option B, for a total of five multiples. Theodore retired in May 1999. He is eligible to continue Basic and Option B, two multiples, into retirement. He cannot continue the three multiples he picked up when he married because he did not have them for the five years of service immediately before his retirement nor did he have them for all the time they were available to him.
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  • When you are newly appointed or transferred to a FEGLI eligible position, you are automatically enrolled in FEGLI Basic life insurance.  To elect any Optional coverage, or to waive Basic, you must complete a Life Insurance Election (SF 2817) and return it to your human resources office. If you do not submit an election form within 60 days of becoming eligible, you remain enrolled in Basic only.
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  • No. A court order can direct that the insured individual assign (give up ownership of) his/her life insurance coverage under the FEGLI Program. But unless and until the insured individual files a valid assignment form (RI 76-10 Assignment), the insurance is not assigned. This is different than a designation. If valid, a court order can serve as a designation of beneficiary for life insurance purposes even if the insured individual doesn't complete a designation form.
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  • Employees: File the court order with your human resources office.  If you do not know how to contact your human resources office, ask the appropriate Agency Benefits Officer. Annuitants: File the court order with OPM's Retirement Office at: Office of Personnel Management Retirement Operations Center Validation Section P.O. Box 45 Boyers, PA 16017-0045 Compensationers: If you receive benefits from the Department of Labor, Office of Workers Compensation Programs and you've been receiving these benefits for less than 12 months and you are still on the agency's rolls as an employee, file the court order with your human resources office. If you are on compensation and are separated from your agency or have been receiving compensation for 12 months or more, file the court order with OPM's Retirement Office at the address above. Note: A certified copy of the court order must be on file with the appropriate office before the death of the insured person to be valid.
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Total Count: 121, Number of Pages: 7, Page: 5
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