When you die, the Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order, set by law:
First of all, Basic and any Optional insurance is payable no matter where your death occurs.
The only amount in question is the Accidental Death and Dismemberment (AD&D) coverage payable under Basic and Option A. AD&D coverage is payable if you receive bodily injuries solely through violent, external, and accidental means (with some exceptions) and if, as a direct result of the bodily injuries, independently of all other causes, and within one year afterwards, you lose your life, limb, or eyesight. One of the exceptions is if your death or loss is caused directly or indirectly by war (declared or undeclared), any act of war, armed aggression, or insurrection, in which you are, at the time bodily injuries are sustained, in actual combat.
The Office of Federal Employees' Group Life Insurance decides whether to pay AD&D only after the death or loss has occurred and after thoroughly studying the facts surrounding the situation. We can't give definitive answers beforehand.
Yes. FEGLI life insurance benefits are payable regardless of the cause or location of death. However, if someone else causes your death, he or she may be excluded from receiving the death benefits.
Accidental Death and Dismemberment (AD&D) coverage is an automatically included in Basic and Option A insurance for employees at no additional cost. AD&D will not be paid in a suicide case because the death is not accidental.
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