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Frequently Asked Questions Insurance

Life

  • per stirpes designation means that if a named beneficiary dies before the Insured dies, the children of the named beneficiary are entitled to the benefits, or the grandchildren of the named beneficiary if the children aren't alive, or the great-grandchildren of the named beneficiary if the grandchildren aren't alive, etc.

    Designations using per stirpes designations are unacceptable. You may want to consider a designation like this, instead:

    Hector Gonzales, my son, 100%, if living 
    Otherwise to the estate of Hector Gonzales

    You could then specify the per stirpes terms in your will. If Hector is not living when you die, OFEGLI will pay your estate. The estate will follow the terms of the will which include the per stirpes terms.

    You can download the FEGLI Life Insurance Designation of Beneficiary form here.

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  • A conversion policy is an individual (non-group) life insurance policy that you are entitled to when your group life insurance ends, unless it ended because you voluntarily cancelled it.

    If you have assigned your insurance, the assignee(s), rather than you, is (are) entitled to convert your Basic, Option A, and Option B coverage. You may still convert your Option C coverage.

    Under the conversion privilege, you may convert all or any part of your Basic and Optional insurance to an individual policy. No medical examination is required.

    The individual policy will be a cash-value type of life insurance policy. This means it will build cash value that you can borrow against. You cannot convert to term insurance.

    For more information about conversion, see the FEGLI Handbook.

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  • FEGLI Option C covers the lives of the enrolled employee/retiree's eligible family members. 

    Eligible family members for Option C include a spouse (including a valid common law marriage) and eligible dependent children. Eligible dependent children must be unmarried and under age 22, or if age 22 or over, incapable of self-support because of a mental or physical disability that existed before the child reached age 22.

    Eligible dependent children include natural children, adopted children, stepchildren (if they live with you in a regular parent-child relationship), recognized natural children, and foster children (if they live with you in a regular parent-child relationship). Stillborn children are not covered.

    If you have any questions about eligible family members, please consult your human resources office. That office is responsible for determining eligibility.

    Option C comes in 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for a spouse and $2,500 for each eligible dependent child.

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  • You can find instructions on pages 2 and 3 of the Designation of Beneficiary form itself. If you need help, call MetLife at 1-800-633-4542.
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  • 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.

    • Joan first became eligible and enrolled in Basic and Option A coverage on February 11, 1990. She had a break in service from January 1, 1994, through January 1, 1996. Upon her return to service on January 2, 1996, she was automatically given Basic and Option A. She retires on December 31, 1997. 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.

    • Theodore had Basic only when he was hired in May 1966. In 1981, during the Open Season, he elected Basic and Option B, two times his salary. In November 1996, he married Isabelle and also acquired two stepchildren. Based on this life event, Theodore added 3 multiples of Option B, for a total of five multiples. Theodore retired in May 1999. 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.
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  • You may contact OPM's Retirement Office by phone at 1 (888) 767-6738 or by e-mail at retire@opm.gov.

    The phone lines are open Monday through Friday 7:30am to 7:45pm eastern time.  If you have difficulty getting through, try to call early in the morning or late in the evening when the lines are less busy.
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  • You may want to consider completing a new designation form whenever you have a significant change in your life, such as a marriage, divorce, or death. Be sure it remains accurate and reflects your intentions. You should also file a new designation whenever a beneficiary's address changes. Failure to do so may mean that the Office of Federal Employees' Group Life Insurance cannot locate your beneficiary and therefore cannot pay him or her the death benefits.

    You can download the Designation form here.
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  • When your FEGLI group life insurance terminates, you are entitled to convert your coverage to an individual policy.  Exception: If you return to Federal service in a FEGLI eligible position within three calendar days after the date your insurance stops, your coverage will continue and you are not eligible to convert. 

    Note: There is no conversion privilege if you cancel your coverage. There is no conversion privilege when your annuity or compensation is terminated and your FEGLI stops.

    Under the conversion privilege, you may convert all or any part of your Basic and Optional insurance to an individual policy.  No medical examination is required, although you may be asked a few questions about your health to see if you qualify for a lower premium.  You do not have to answer these questions, but if you do not, you may be paying a higher premium than necessary.   

    The individual policy will be issued by an insurance company you (or your assignee(s), if applicable) select from the list of approved companies that have been accepted by OPM as eligible and that has agreed to issue such policies under the provisions of the FEGLI contract.   

    The individual policy may be for any type of life insurance customarily issued by the insurance company you select, except term insurance, universal life insurance, or any other type of life insurance with an indeterminate premium.  It cannot include disability or Accidental Death & Dismemberment benefits. 

    Any insurance policy purchased under the conversion privilege is a private business transaction between you and the insurance company.  The cost of the individual policy is determined by the insurance company and is based on your age and class of risk. Since you will no longer be part of the group contract, the premium payments may be much higher than the FEGLI premiums.

    When your insurance terminates, your employing office must give you a Notice of Conversion Privilege (SF 2819). If you wish to convert your coverage, you must send the SF 2819 to Office of Federal Employees’ Group Life Insurance (OFEGLI) within the 31-day time limit for converting. Your agency must also give you an Agency Certification of Insurance Status (SF 2821). Send that form to OFEGLI along with the SF 2819.  If you do not have the SF 2821, do not delay in sending the SF 2819. Go ahead and send the SF 2819. You should request a completed SF 2821 from your agency before the expiration of the 31 day time limit and forward it to OFEGLI. OFEGLI needs the SF 2821 to calculate the amount of insurance you can convert.

    Once OFEGLI has received your SF 2819 and SF 2821, it will send you a list of insurance companies that are offering conversion policies in your area.  You must contact the companies to get information on the conversion policy and the cost. 
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  • If at least one year has passed since the effective date of your last waiver of some FEGLI life insurance coverage, you may get a physical exam at your own expense using the Request for Insurance

    You and your human resources office must complete part of the form. You then take the form to your physician. He or she will complete the rest of the form and send it to the Office of Federal Employees' Group Life Insurance (OFEGLI). If OFEGLI approves your request, they will notify your human resources office. Your human resources office will automatically enroll you in Basic insurance, unless you already have Basic. You will have 60 days from OFEGLI's approval to elect Option A and/or up to 5 multiples of Option B.
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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 Handbook.
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