In certain circumstances, entering or returning from a period of unpaid leave (leave without pay, or LWOP) by you, your spouse or covered dependent may constitute a
qualifying life event.
If you are entering a period of LWOP (more than 31 days) you will have the option to terminate or continue your FEHB coverage. If you elect to continue your FEHB coverage, you must choose one of the options available to pay your share of the premium. These are the "Pay-as-you-go", and "Catch-up" options. In addition, under the IRS rules your agency may, but is not required to, offer a Prepay option.