Click here to skip navigation
An official website of the United States Government.

Frequently Asked Questions Insurance

Retirement and FEGLI

  • No. There are no waivers of the five year/all opportunity rule for continuing FEGLI life insurance coverage into retirement. There are no exceptions to the "no waiver" rule — it does not matter whether you retire on disability, accept a voluntary incentive payment, etc. The only way to continue coverage into retirement is to meet the five year/all opportunity rule. Yes, this is different from the health benefits program which does allow for waivers under certain circumstances.

    For more information about retiring with FEGLI life insurance, see the FEGLI Handbook.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  •  When you retire, you are eligible to continue life insurance if you meet all of the following requirements:
    • you are entitled to retire on an immediate annuity under a retirement system for civilian employees;
    • you have been insured for the 5 years of service immediately before the date your annuity starts, or for the full period(s) of service during which you were eligible to be insured if less than 5 years; and
    • you have not converted to an individual policy.

     

    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.

    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Since you are a retiree, you can cancel or reduce your FEGLI life insurance at any time. There is no form; you must mail a signed letter to OPM's Retirement Office at: U.S. Office of Personnel Management Retirement Operations Center P.O. Box 45 Boyers, PA 16017-0045 The cancellation or reduction must be in writing and have an original signature by the insured retiree.  Be sure to include your retirement claim number (CSA) or Social Security Number (SSN) and specify what action you want taken.

    Please note that you cannot increase your coverage after retirement or reinstate coverage that you cancel.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • The reductions start at the beginning of the 2nd month after your 65th birthday or the beginning of the 2nd month after your retirement date, whichever is later.

    For example:

    Pierre retired December 31, 2017. He will turn 65 on March 15, 2020. The reductions for his Basic and Optional insurance (if applicable) will start May 1, 2020.

    Here's another example:

    Selena was 67 years old when she retired on December 31, 2017. Since she was already past 65 when she retired, the reductions for her Basic and Optional insurance (if applicable) will start February 1, 2018.

    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
Control Panel

Unexpected Error

There was an unexpected error when performing your action.

Your error has been logged and the appropriate people notified. You may close this message and try your command again, perhaps after refreshing the page. If you continue to experience issues, please notify the site administrator.

Working...