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Frequently Asked Questions Insurance

Life



  • If you have a prior Designation of Beneficiary on file with your human resources office (or OPM's Retirement Office if retired), and you now wish for benefits to be paid by the order of precedence, file a new Designation of Beneficiary and state "Cancel Prior Designations" as instructed on page 2.

    To see the order of precedence, visit the FEGLI Handbook.
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  • Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new FEGLI life insurance election opportunities for certain employees. The new election applies 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 FEGLI election form 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. More details available in BAL 08-204 and BAL 12-201.
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  • Yes. Effective July 22, 1998, a new law changed the way the Office of Federal Employees' Group Life Insurance (OFEGLI) pays death benefits. OFEGLI must pay benefits in accordance with the terms of a valid court decree of divorce, annulment, or legal separation, or the terms of a court order or court-approved property settlement agreement relating to such a court decree, regardless of whether the insured individual actually completes a designation complying with the court order.

    To be valid the court order must be a certified copy. The appropriate office must receive the certified copy before the insured's death and it must expressly provide for someone to receive your FEGLI benefits.

    If a valid court order is in effect, the insured individual cannot change his/her designation, unless the person(s) named in the court order agrees in writing or unless the court order is later modified.

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  • No. A court order can direct that the insured individual assign (give up ownership of) his/her life insurance coverage under the FEGLI Program. But unless and until the insured individual files a valid assignment form (RI 76-10 Assignment), the insurance is not assigned.

    This is different than a designation. If valid, a court order can serve as a designation of beneficiary for life insurance purposes even if the insured individual doesn't complete a designation form.
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  • 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 and Questions and Answers.

    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.

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  • Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new opportunities for certain employees. The new election applies 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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  • No. You cannot submit a new Designation of Beneficiary to void the court order. If there is a valid court order on file, you may not change or submit a designation of beneficiary unless the person(s) named in the decree, order, or agreement agrees in writing or unless the decree, order or agreement is modified.

    For more information, see the FEGLI Handbook.
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  • Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new FEGLI life insurance election opportunities for certain employees. The new election applies if you are a civilian employee in the Department of Defense eligible for FEGLI who is designated as "emergency essential" under section 1580 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 FEGLI election form within 60 days of the date of the notification of the designation as an emergency essential employee.. 

    Contact your employing agency human resources office for more information. More details available in BAL 08-204 and BAL 12-201.

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  • Increasing life insurance: 

    FEGLI life insurance open seasons are infrequent.  None are currently scheduled.
     
    Outside of an open season, eligible employees can enroll or increase their coverage by taking a physical exam or with a Qualifying Life Event.

    For more information about the physical exam, please see SF 2822.

    FEGLI life events are marriage, divorce, death of spouse, or acquisition of an eligible child.  With a life event, you can enroll or increase coverage in Basic, Option A, up to five multiples of Option B, and/or up to five multiples of Option C.  You must submit an SF 2817 to your human resources office within 60 days after the life event.

    Reducing or cancelling life insurance:

    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.

    Changing beneficiaries:

    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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  • No. Once you are enrolled in Option C life insurance, all eligible family members are automatically covered.

    For more information see the FEGLI Handbook.
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