Q. Will my insurance coverage begin to reduce when I reach age 65 even though I won't be retired at that time?
A. No. Coverage for employees does not reduce based on age. The post-age 65 reductions can only affect retirees.
Q. What happens to my life insurance if I leave my government job to go into the military?
A. 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.
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.
Q. Can I increase my FEGLI coverage if I am deployed as a civilian in support of a contingency operation?
A. Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new election opportunities 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 SF 2817 (or its electronic equivalent) 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. See more details in BAL 08-204
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