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

Frequently Asked Questions Insurance

Life

  • If you are put in a nonpay status while on military duty, you can keep your Federal Employees' Group Life Insurance (FEGLI) coverage for up to 12 months. This coverage is free. Being called-up to active duty does not affect the amount of your FEGLI coverage. At the end of 12 months in nonpay status, the coverage terminates. Employees get a free 31-day extension of coverage and have the right to convert to an individual policy. 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 [30 KB].

    Being called up to active duty status or being sent to a combat zone does NOT cancel FEGLI coverage. Nor does it automatically make an employee ineligible for accidental death and dismemberment (AD&D) coverage. All FEGLI coverage remains in effect for the period of time described above. If a Federal employee with FEGLI is called-up to active military duty and is killed, "regular" death benefits are payable to the employee's beneficiaries. Accidental death benefits are also payable under Basic insurance (and Option A, if the employee had that coverage) unless the employee was in actual combat (or unless nuclear weapons were being used) at the time of the injury that caused the employee's death. The determination is made on a case by case basis after a thorough review of the facts and documentation surrounding the death.

    Accidental death benefits are in addition to regular death benefits. Even if accidental death benefits are not payable, regular death benefits ARE payable.

    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.
  • Living Benefits payments come from the Employees' Life Insurance Fund (Part of the U.S. Treasury). Viatical settlement firms are private firms not connected with the Federal Government.

    The Federal law determines the amount of insurance available and the requirement for receiving a Living Benefit payment. Viatical settlement firms set their own requirements and payment amounts.

    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.
  • 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.

    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.
  • To report a technical problem with OPM’s Insure website, please send an email to insure-webmaster@opm.gov.

     

    To report a technical problem with Retirement Services Online, please send an email to rethelp@opm.gov

    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.
  • Yes. Your agency is supposed to give you notice on the loss of group coverage and the right to convert when your insurance ends. We know, however, that sometimes this does not happen.

    If your agency does not give you the conversion notice, you can request a conversion by writing directly to the Office of Federal Employees' Group Life Insurance (OFEGLI) at

    OFEGLI
    P.O. BOX 8149
    LONG ISLAND CITY, NY 11101-8149. 

    For overnight deliveries only (such as express mail):

    OFEGLI 
    FEGLI CONVERSION TEAM 
    200 Park Avenue, 5TH FLOOR 
    New York, NY 10166-0188

    The request must be postmarked within 31 days after the date of the terminating event. 

    Conversions are effective at the end of the 31-day extension of coverage.

    If you are unable to mail the request within 31 days, you may qualify for a belated election. You must mail the request to OFEGLI within six months after the date you first became eligible to convert. Your request must show that you were not notified of the loss of coverage and the right to convert or you weren't able to convert for reasons beyond your control.

    Belated conversions are made retroactive to the end of the 31-day extension of coverage and you must pay the retroactive premiums.

    You can contact OFEGLI at 1-800-633-4542.
    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.
  • 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.
    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.
  • 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.

    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.
  • If you are under age 65 when you retire, you will continue to pay premiums for your Basic and Optional insurance at least until you turn 65. Your retirement system will withhold the premiums from your annuity each month.

    When you retire, you make reduction choices that determine whether your FEGLI life insurance (and premiums) reduce beginning at age 65 or when you retire, whichever is later:

    • Basic with 75% Reduction: your Basic coverage reduces 2% each month until it reaches 25% of its pre-reduction amount.  Your Basic is free (no premium) once the reductions begin and remains free until your death.
    • Basic with 50% Reduction: your Basic coverage reduces 1% each month until it reaches 50% of its pre-reduction amount.  There is an extra premium for this choice that you will continue to pay until you die, switch to 75% reduction, or cancel Basic.
    • Basic with No Reduction: your Basic coverage does not reduce.  You maintain the same amount of Basic coverage you had when you stopped being enrolled as an employee.  There is a larger extra premium for this choice that you will continue to pay until you die, switch to 75% Reduction, or cancel Basic.
    • Option A: your Option A automatically reduces 2% each month until it reaches $2,500.00 and remains free until your death.  There is no reduction choice for Option A.  Option A is free (no premium) once the reductions begin and remains free until you die.
    • Option B with Full Reduction: your Option B coverage reduces 2% each month until it reaches zero.  Your Option B coverage is free (no premium) once the reductions begin.
    • Option B with No Reduction: your Option B coverage does not reduce.  You maintain the same amount of Option B coverage you had when you stopped being enrolled as an employee.  There is an extra premium for this choice that you will continue to pay until you die, switch to Full Reduction, or cancel Option B.
    • Option C with Full Reduction: your Option C coverage reduces 2% each month until it reaches zero.  Your Option C coverage is free (no premium) once the reductions begin.
    • Option C with No Reduction: your Option C coverage does not reduce.  You maintain the same amount of Option C coverage you had when you stopped being enrolled as an employee.  There is an extra premium for this choice that you will continue to pay until you die, switch to Full Reduction, or cancel Option C.

    Reductions begin the second month after you turn 65 or the second month after you retire, whichever is later.  If you do not submit a Continuation of Life Insurance (SF 2818) to your human resources office before you retire, your Basic will be defaulted to 75% Reduction, and your Option B and Option C will be defaulted to Full Reduction.

    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.
  • 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.

    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.
  • 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.

    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...