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If you are eligible to continue Basic life insurance into retirement, you will be able to choose from three levels of coverage for your Basic when you retire: 75%, 50%, and No Reduction. Accidental Death & Dismemberment coverage stops at retirement.
All retirees pay for Basic life insurance until age 65. The premium is the same rate as that for active employees ($0.3250 monthly per $1,000). After age 65, Basic life insurance is free.
If you choose the 50% Reduction or No Reduction, you will begin to pay a premium for the extra coverage starting at retirement. This is IN ADDITION TO the Basic premium. The premium for the 50% or No Reduction election continues for life, or until you change your election or otherwise discontinue your coverage. If you choose 50% or No Reduction, you can only change to 75% reduction.