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Frequently Asked Questions Insurance

General Information (Basic and Optional Coverage)

  • No. The FEGLI Program provides group term life insurance. It does not have any cash value and you cannot borrow against your coverage.

    The only opportunities to get money from your coverage while you are still alive are
    (1) if you are terminally ill and qualify for Living Benefits, or
    (2) if you assign your coverage to a person or corporation who is willing to pay you cash now in exchange for ownership of your life insurance.
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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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  • No. There is no maximum. The amount is based on your annual basic rate of pay.
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  • Hi and thank you for your question. There are a number of resources available to find out more information about FEGLI. Below is a short list

    1) For a brief overview: FEGLI FastFacts document

    2) Information geared towards newly eligible employees: The Guide Me section for New / Prospective Employees

    3) Information geared toward established federal employees: The Guide Me section for Federal Employees

    4) Information geared toward retirees or family members: The Guide Me section for Retirees / Survivors

    5) To calculate what your premiums would be: Visit the FEGLI Calculator

    6) For detailed guidance on the FEGLI Program: Review the FEGLI Handbook

    7) Report the Death of a Retiree or Survivor Annuitant 

    8) If you would like to talk or email with someone regarding your options you will need to touch bases with either OPM's Retirement office  (contact information) if you are an annuitant, or your agency's Human Resource department if you are an active employee. That office maintains your Official Personnel Folder (OPF) or its equivalent and is the only office with access to your Federal insurance records.
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  • Premiums can vary depending on your salary and age.  On OPM’s website you can see the current employee premium rates and annuitant premium rates

    Using the rates you can calculate your premiums manually, or you can let the FEGLI Calculator do the math for you.

    Biweekly employees pay 15 cents per $1,000 of Basic coverage.  To calculate your Basic coverage, take your annual rate of pay, round it up to the nearest whole $1,000 and then add $2,000.  Take the number of thousands of dollars and multiply them by 15 cents to get your biweekly Basic premium.

    Basic premiums are the same for employees regardless of age.  Postal employees typically receive Basic with no premium.

    Optional premiums increase with age in five-year bands starting at age 35.  Premiums increase at age 35, 40, 45, and so on.

    For Option B coverage, again you take your annual rate of pay and round it up to the nearest whole $1,000.  You do not add $2,000 for option B.  Take the number of thousands of dollars and multiply them by the Option B rate for your age to get your biweekly Option B premium.

    For annuitants, your FEGLI coverage and premiums are based on your salary at the time of retirement, not on the amount of your annuity.  After age 65, your coverage and premiums may change based on the reduction choices you made at the time of retirement.  

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  • When you are newly appointed or transferred to a FEGLI eligible position, you are automatically enrolled in FEGLI Basic life insurance.  To elect any Optional coverage, or to waive Basic, you must complete a Life Insurance Election (SF 2817) and return it to your employing agency’s human resources office. Your agency may also offer an electronic enrollment option. Contact your supervisor if you need assistance locating your human resources office.

    If you do not submit an election form within 60 days of becoming eligible, you remain enrolled in Basic only
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  • There are two types of FEGLI life insurance: Basic and Optional.  You must enroll in Basic before you can select any Optional coverage.

    Basic covers your life in the amount of your annual basic pay rounded up to the next $1,000 plus $2,000.  For example, if your annual basic pay is $47,500, Basic covers your life for $50,000.  The minimum Basic coverage is $10,000.
    If you continued Basic into retirement, your Basic coverage is based on your annual basic pay at the time you stopped being insured as an employee.  It is not based on your annuity.

    Once you have elected Basic, you are eligible for any or all types of Optional insurance. Optional insures provides coverage in addition to what you have with Basic.

    • Option A Standard
      • Covers your life for $10,000.
    • Option B Additional
      • Covers your life for 1, 2, 3, 4, or 5 multiples of your annual basic pay (after rounding up to the next $1,000).
    • Option C Family
      • Covers the lives of your spouse and eligible children.  You may elect 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for your spouse and $2,500 for each eligible dependent child.
    For more information, see the FEGLI Program Booklet.
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