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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.
Constance first became eligible and enrolled in Basic and Option A coverage on February 11, 2010. She had a break in service from January 1, 2014, through January 1, 2016. Upon her return to service on January 2, 2016, she was automatically given Basic and Option A. She retires on December 31, 2017. 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.
Xavier had Basic only when he was hired in May 1986. In 2004, during the Open Season, he elected Basic and Option B, two times his salary. In November 2014, he married Isabelle and also acquired two stepchildren. Based on this life event, Xavier added 3 multiples of Option B, for a total of five multiples. Xavier retired in May 2016. 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.
FEGLI life insurance open seasons are extremely rare. Outside of an open season, eligible employees can enroll in FEGLI by taking a physical exam or with a Qualifying Life Event.
The form to request FEGLI by taking a physical exam is the SF 2822. The form is completed partly by you, partly by your agency, and partly by your healthcare provider. If OFEGLI approves your request, you are automatically enrolled in Basic. If you want Optional insurance as well as Basic, you can enroll in Option A and/or Option B within 60 days from the date of OFEGLI's approval. You cannot enroll in Option C by getting a physical.
With a FEGLI Qualifying Life Event, you can enroll in FEGLI Basic, Option A, up to five multiples of Option B, and/or up to five multiples of Option C. Qualifying Life Events are marriage, divorce, death of spouse, or acquisition of an eligible child. To enroll or increase your FEGLI coverage based on a life event, submit an SF 2817 to your human resources office within 60 days after the life event.
You can reduce or cancel your FEGLI life insurance at any time, without waiting for an open season.
If you are an employee, submit an SF 2817 to your human resources office, signing only for the coverage you want to keep.
If you are retired, there is no form; you must write a signed letter to OPM's Retirement Office stating clearly the reduction or cancellation you want to make. Be sure to include your signature, annuity number (CSA/CSF) or social security number, and your phone number. Send the letter to:
Office of Personnel Management
Retirement Operations Center
P.O. Box 45
Boyers, PA 16017-0045
Please note that you cannot enroll, increase coverage, or restore cancelled coverage after you have retired.
You can change beneficiaries at any time, without waiting for an open season. Submit an SF 2823 to your human resources office, or to OPM's Retirement Office if you have retired. The address for OPM's Retirement Office is on page 3 of the form.
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