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Insurance FAQs

Life

  • Yes. Effective July 22, 1998, a new law changed the way the Office of Federal Employees' Group Life Insurance (OFEGLI) pays death benefits. OFEGLI must pay benefits in accordance with the terms of a valid court decree of divorce, annulment, or legal separation, or the terms of a court order or court-approved property settlement agreement relating to such a court decree, regardless of whether the insured individual actually completes a designation complying with the court order. To be valid the court order must be a certified copy. The appropriate office must receive the certified copy before the insured's death and it must expressly provide for someone to receive your FEGLI benefits. If a valid court order is in effect, the insured individual cannot change his/her designation, unless the person(s) named in the court order agrees in writing or unless the court order is later modified.
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  • If you are an employee in a FEGLI-eligible position, a Qualifying Life Event allows you to enroll in FEGLI Basic, Option A, Option B (up to 5 multiples), and/or Option C (up to 5 multiples).  You must enroll in Basic to be able to enroll in any or all Optional coverage. There are four FEGLI Qualifying Life Events:
    • Marriage
    • Divorce
    • Death of a spouse
    • Acquisition of an eligible child
    To enroll based on a Qualifying Life Event, you must submit a Life Insurance Election (SF 2817) to your human resources office within 60 days after the day of the event.  For more information, contact your human resources office and review page 4, row 2 of the Election 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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  • If you separate from service to enter the military you are considered to be in a nonpay status for FEGLI Purposes. As long as you have reemployment rights under USERRA, you can keep your FEGLI coverage for up to 12 months, or until 90 days after your military service ends, whichever date comes first. This coverage is free. At the end of 12 months (or 90 days after the military service ends), the coverage terminates. You also get the 31-day extension of coverage and the right to convert. Public Law 110-181, the Department of Homeland Security Appropriations Act, enacted January 28, 2008, authorizes the continuation of FEGLI coverage for an additional 12 months for Federal employees called to active duty whose coverage terminated after the law's enactment. The law allows employees who enter on active duty or active duty for training in one of the uniformed services for more than 30 days to continue their FEGLI for up to 24 months. FEGLI coverage is free for the first 12 months. However, employees must pay both the employee and agency share of the premiums for their Basic coverage, and also pay the entire cost (there is no agency share) for any Optional insurance they may have for the additional 12 months of coverage. See more details in BAL 08-203 and Questions and Answers. At the end of 12 months, or 90 days after your military service ends, whichever date comes first, your former agency must complete an Agency Certification of Insurance Status (SF 2821) and a Notice of Conversion Privilege (SF 2819). If a claim needs to be filed while you are still covered under FEGLI, you or your survivors should contact your former employing agency.
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  • No. You cannot submit a new Designation of Beneficiary to void the court order. If there is a valid court order on file, you may not change or submit a designation of beneficiary unless the person(s) named in the decree, order, or agreement agrees in writing or unless the decree, order or agreement is modified. For more information, see the FEGLI Handbook.
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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 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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  • If you have a prior Designation of Beneficiary on file with your human resources office (or OPM's Retirement Office if retired), and you now wish for benefits to be paid by the order of precedence, file a new Designation of Beneficiary and state "Cancel Prior Designations" as instructed on page 2. To see the order of precedence, visit the FEGLI Handbook.
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  • No, you do not have to complete a designation form.  When you die, the Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order set by law: If you assigned ownership of your life insurance by filing an Assignment, Federal Employees' Group Life Insurance (RI 76-10), OFEGLI will pay benefits:
    • First, to the beneficiary(ies) designated by your assignee(s), if any;
    • Second, if there is no such beneficiary, to your assignee(s).
    If you did not assign ownership and there is a valid court order on file, OFEGLI will pay benefits in accordance with that court order. If you did not assign ownership and there is no valid court order on file, OFEGLI will pay benefits:
    • First, to the beneficiary(ies) you designated;
    • Second, if there is no such beneficiary, to your widow or widower;
    • Third, if none of the above, to your child or children, with the share of any deceased child distributed among descendants of that child (a court will usually have to appoint a guardian to receive payment for a minor child);
    • Fourth, if none of the above, to your parents in equal shares or the entire amount to your surviving parent;
    • Fifth, if none of the above, to the executor or administrator of your estate;
    • Sixth, if none of the above, to your other next of kin as determined under the laws of the state where you lived. 
    If you did not assign your insurance and there isn't a valid court order on file, and you are not satisfied with the order of precedence described above, you should complete a designation form and indicate how you want OFEGLI to pay the benefits.
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  • FEGLI Basic and Option A each include Accidental Death and Dismemberment (AD&D) coverage for employees at no additional charge. AD&D coverage cannot be carried into retirement. AD&D benefits are paid in addition to regular death benefits. For the Office of Federal Employees' Group Life Insurance to pay AD&D benefits, the death or loss must occur within one year after the accident and be a direct result of bodily injury sustained from that accident. AD&D coverage in Basic is equal to the amount of your Basic insurance. AD&D coverage in Option A is equal to $10,000. For more information about AD&D, see the FEGLI Handbook.
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  • You may contact OPM's Retirement Office by phone at 1 (888) 767-6738 or by e-mail at retire@opm.gov. The phone lines are open Monday through Friday 7:30am to 7:45pm eastern time.  If you have difficulty getting through, try to call early in the morning or late in the evening when the lines are less busy.
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  • 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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  • If the insured person was a Federal RETIREE or compensationer:  You must report the death to OPM's Retirement Office.  You can use this tool or you can call Retirement at 1-888-767-6738. If you believe the retiree was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife.  MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims.  OPM has no role in this process. Due to privacy restrictions, OPM cannot release information about whether the retiree was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries.  MetLife will mail a claim form to each beneficiary.  All inquiries about life insurance claims must be directed to MetLifeIf the insured person was a Federal EMPLOYEE:  You must report the death to the employee's human resources office. If you believe the employee was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife.  MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims.  OPM has no role in this process. Due to privacy restrictions, the employee's human resources office cannot release information about whether the employee was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries.  MetLife will mail a claim form to each beneficiary.  All inquiries about life insurance claims must be directed to MetLifeIf the insured person was FAMILY MEMBER covered under FEGLI Option C:  FEGLI Option C covers the lives of the employee/retiree's spouse and eligible children under age 22. If you have Option C coverage and an eligible family member dies, complete this form and submit it to the location indicated on page 1.
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  • The MetLife TCA is a settlement option offered by MetLife for the payment of claims. A MetLife TCA is not a checking, savings, or money market bank account. Since the MetLife TCA is not a bank account, it is not insured by the FDIC or any government agency. Instead, MetLife guarantees the full amount in the MetLife TCA, including all interest earned. MetLife's guarantee is further backed by the beneficiary's respective state guaranty association. Maximum guarantee limits vary from state to state and may change over time. If the beneficiary chooses a MetLife TCA, the relationship is between the beneficiary and MetLife, not with the federal government or any of its agencies. You or your beneficiary can find additional information about state guaranty associations on the National Association of Insurance Commissioners (NAIC) website http://www.naic.org. The MetLife TCA offers a minimum guaranteed annual effective interest rate, meaning that MetLife commits to pay the beneficiary at least that specified rate of interest on the money in the account. The beneficiary begins earning interest the day the MetLife TCA is created. Interest is earned daily, but is not credited until the last day of the month. The interest rate offered on the MetLife TCA may be better or worse than the prevailing market rates. The MetLife TCA is a product offered by MetLife on which the company may make a profit. The beneficiary pays no monthly maintenance fees on a MetLife TCA. The beneficiary has complete control of, and access to, the entire amount of the insurance proceeds. The beneficiary can withdraw the full amount from the MetLife TCA at any time. The information packet the beneficiary receives will include a draft book (similar to a checkbook). At any time and at no cost, the beneficiary can write drafts (similar to checks) from a minimum of $250 up to the full balance of the account. In addition, the beneficiary will receive periodic activity statements, and can designate a beneficiary for the account. If the beneficiary chooses the MetLife TCA settlement option, he or she will receive more detailed information when the account is opened.
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  • Another person may apply for a Living Benefit on your behalf if all of the following conditions are met: (i) Your physician must certify that you are physically or mentally incapable of making an election; (ii) The applicant must have power of attorney or a court order authorizing him or her to elect a Living Benefit on your behalf; (iii) The applicant must place his or her own signature on the application and attach it to a true and correct copy of the power of attorney or court order authorizing the applicant to make the election on your behalf; and (iv) The applicant must either be your sole beneficiary or attach a true and correct copy of each beneficiary’s written and signed consent.  
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  • When you are ready to convert your coverage, you may request a list of eligible insurance companies from the Office of Federal Employees' Group Life Insurance at  at  P.O. Box 8149 Long Island City, NY 11101-8149.  For overnight deliveries only (such as express mail): OFEGLI  FEGLI Conversion Team 5th floor 27-01 Queens Plaza  North Queens, NY 11101. You can choose any company on that list.
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  • Send the completed form with a certified copy of the death certificate to the insured's agency if he/she died as an employee. If you are the deceased's widow(er) and the agency told you to send your claim form and other documents directly to OFEGLI, you should do that. If the deceased was retired, send the form with a certified copy of the death certificate to: Office of Federal Employees' Group Life Insurance  P.O. Box 6080 Scranton, PA 18505-6080
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  • The cost of Basic insurance is shared between you and the Government. You pay two-thirds and the Government pays one-third. Your age does not affect the cost of Basic insurance. You pay $0.15 cent per $1,000 biweekly or $0.325 cents monthly. If you are a Postal employee, the U.S. Postal Service pays the entire cost of your Basic life insurance. You pay the full cost of all Optional insurance. The cost depends on your age and the amount of insurance you have.  Optional insurance premiums are posted here. Your agency will withhold the premiums from your pay.
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  • OFEGLI’s address is OFEGLI, P.O. BOX 6080, SCRANTON, PA 18505-6080.  Their phone number is 1-800-633-4542.
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  • Yes. Your agency is supposed to give you notice on the loss of group coverage and the right to convert when your insurance ends. We know, however, that sometimes this does not happen.  If your agency does not give you the conversion notice, you can request a conversion by writing directly to the Office of Federal Employees' Group Life Insurance (OFEGLI) at  OFEGLI P.O. BOX 8149 LONG ISLAND CITY, NY 11101-8149.  For overnight deliveries only (such as express mail):  OFEGLI  FEGLI CONVERSION TEAM  5TH FLOOR  27-01 QUEENS PLAZA NORTH  QUEENS, NY 11101 The request must be postmarked within 31 days after the date of the terminating event. Conversions are effective at the end of the 31-day extension of coverage. If you are unable to mail the request within 31 days, you may qualify for a belated election. You must mail the request to OFEGLI within six months after the date you first became eligible to convert. Your request must show that you were not notified of the loss of coverage and the right to convert or you weren't able to convert for reasons beyond your control. Belated conversions are made retroactive to the end of the 31-day extension of coverage and you must pay the retroactive premiums. You can contact OFEGLI at 1-800-633-4542.
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  • No. There is no maximum. The amount is based on your annual basic rate of pay.
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Total Count: 121, Number of Pages: 7, Page: 6
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