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Frequently Asked Questions Insurance

  •  If you are a Federal ANNUITANT or compensationer:

    OPM's Retirement Office is the only office with access to your FEGLI life insurance records.  There are three ways to access your FEGLI coverage information:

    1. Log on to Retirement Services Online to view and print a Verification of Life Insurance (VOLI).  Your VOLI will show which types of FEGLI coverage you have, your amount of coverage before reduction, your post-65 reductions, and your amount of coverage after reductions complete.

    2. Email retire@opm.gov to request that your VOLI be mailed to you.  Be sure to include your retirement claim number (CSA/CSF) in your email.

    3. Call 1-888-767-6738 to request that your VOLI be mailed to you.  The phone lines are open Monday through Friday 7:40 am to 5:00 pm eastern time. The phone lines can get extremely busy so we recommend calling early in the morning or late in the evening when the lines are less busy. Have your retirement claim number (CSA/CSF) or social security number handy.

    Your FEGLI beneficiary records are not available online.  If you wish to change your FEGLI life insurance beneficiaries, complete this form and mail it to OPM's Retirement Office at the address on page 3: www.opm.gov/forms/pdf_fill/sf2823.pdf

    If you are a Federal EMPLOYEE:

    Contact your human resources office.  The office that maintains your Official Personnel Folder (OPF) or its equivalent is the only office with access to your FEGLI life insurance records. If you do not know what office that is or how to contact them, check with your supervisor.

    You can also look on a copy of your most recent Standard Form 50, Notification of Personnel Action, to determine the coverage you currently have:

    1. In Block 27 on that form, there is a 2-character code that represents your current coverage and a definition of the code. 
    2. You can look up the codes and their translation at http://archive.opm.gov/insure/life/reference/handbook/sf50tbl.asp 
    3. You can then use the FEGLI Calculator to determine the current value of your FEGLI by inputting your current age, salary and type(s) of FEGLI coverage. 

    If you wish to change your FEGLI life insurance beneficiaries, complete this form and submit it to your human resources office: www.opm.gov/forms/pdf_fill/sf2823.pdf

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  • If you are an annuitant, please contact the Retirement Office during Open Season via one of the following methods:  

    Office of Personnel Management
    Open Season Processing Center
    P.O. Box 5000
    Lawrence, KS 66046-0500

    Additional details on enrolling in an FEHB plan for employees and annuitants can be found at https://www.opm.gov/healthcare-insurance/healthcare/enrollment/.


    If you are an active employee and you want to enroll in Self Plus One, please note that OPM does not process enrollments for Federal employees of other agencies. Your Human Resources Office can assist you. If your local Personnel office is unable to help you, you can contact your headquarters benefits counselor for further guidance.  OPM maintains a list of Benefits Officers which can be found at 

    http://apps.opm.gov/abo

    . Please visit this site, find your headquarters agency and the contact information will be listed.

     

     

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  • A FEGLI life insurance open season has been scheduled for September 1 through September 30, 2016.  Coverage elected during the open season will be effective the first pay period beginning on or after October 1, 2017.  For more information, please visit www.opm.gov/life.

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  • Rates are announced in early October before Open Season begins. When posted, 2016 rates will be available at www.opm.gov/openseason.
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  • A Self Only enrollment covers only the enrollee. A Self and Family enrollment covers the enrollee and all eligible family members. The new Self Plus One enrollment type covers the enrollee and one eligible family member you designate to be covered.
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  • If the insured person was a Federal RETIREE or compensationer:

    You must report the death to OPM's Retirement Office. You can use this tool or you can call Retirement at 1-888-767-6738.

    If you believe the retiree was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife. MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims.  OPM has no role in this process.

    Due to privacy restrictions, OPM cannot release information about whether the retiree was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries. MetLife will mail a claim form to each beneficiary. All inquiries about life insurance claims must be directed to MetLife.

    If the insured person was a Federal EMPLOYEE:

    You must report the death to the employee's human resources office.

    If you believe the employee was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife. MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims. OPM has no role in this process.

    Due to privacy restrictions, the employee's human resources office cannot release information about whether the employee was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries. MetLife will mail a claim form to each beneficiary. All inquiries about life insurance claims must be directed to MetLife.

    If the insured person was FAMILY MEMBER covered under FEGLI Option C:

    FEGLI Option C covers the lives of the employee/retiree's spouse and eligible children under age 22.

    If you have Option C coverage and an eligible family member dies, complete this form and submit it to the location indicated on page 1.

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  • When you die, the Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order, set by law:

    • If you assigned ownership of your life insurance, OFEGLI will pay benefits in the following order of precedence: First, to the beneficiary(ies) designated by your assignee(s), if any; 
      Second, if there is no such beneficiary, to your assignee(s).
    • If you did not assign ownership and there is a valid court order on file, OFEGLI will pay benefits in accordance with that court order.
    • If you did not assign ownership and there is no valid court order on file, OFEGLI will pay benefits in the following order of precedence:
      • First, to the beneficiary(ies) you designated;
      • Second, if there is no such beneficiary, to your widow or widower;
      • Third, if none of the above, to your child or children, with the share of any deceased child distributed among descendants of that child (a court will usually have to appoint a guardian to receive payment for a minor child);
      • Fourth, if none of the above, to your parents in equal shares or the entire amount to your surviving parent;
      • Fifth, if none of the above, to the executor or administrator of your estate;
      • Sixth, if none of the above, to your other next of kin as determined under the laws of the State where you lived.
    To designate new beneficiaries, submit a Designation of Beneficiary to your human resources office (or to OPM's Retirement Office if you are retired).

    If you would like to know who is listed in your current Designation of Beneficiary, follow these instructions
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  • Self Plus One is a new enrollment type in the Federal Employees Health Benefits (FEHB) Program that allows you to cover yourself and one eligible family member you designate to be covered. Starting in 2016, all FEHB plans (your health insurance plans) will offer a Self Only, a Self Plus One, and a Self and Family enrollment type. Employees and annuitants will be able to select a Self Plus One enrollment beginning in the 2015 Open Season.
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  • You should determine your eligible family members and decide which enrollment type is best for you. A Self Plus One enrollment type will cover you and one eligible family member. During Open Season 2015, you will want to pay close attention to the benefits and rates in both the plan you currently have and other FEHB plans available to you. OPM will release materials in advance of Open Season to help you make this important decision. Visit www.opm.gov/openseason to access these materials.
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  •  It will be very important during this year’s Open Season to look at the rates for the plan you are in and for other plans as well. It may be possible to save money by enrolling in a Self Plus One enrollment, but you should review your health benefit needs and the available FEHB plans to determine which plan is best suited to meet your needs.
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