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The Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order, set by law:
If you are an annuitant, you can download [119 KB] the Standard Form (SF) 2823, Designation of Beneficiary, and instructions, or contact us and ask that they be sent to you.
You need to keep your designated beneficiaries' addresses current. Failure to do so may mean that your beneficiary cannot be located and therefore benefits will not be paid to that person. The preferred way is to file a new Designation of Beneficiary when a beneficiary's address changes. A new address cannot be added directly to the Designation of Beneficiary form itself, since any cross outs, erasures, or alterations in your form may make it invalid.
If you are the surviving spouse of a deceased retiree, recurring monthly payments may be made to you if your spouse elected a reduced annuity to provide the benefit. To qualify for the monthly benefit, you must have been married to the retiree for at least nine months. A survivor annuity may still be payable if the retiree's death occurred before nine months if the death was accidental or there was a child born of your marriage to the retiree.
A court order awarding a former spouse a survivor annuity may prevent us from paying you the portion of the annuity awarded under the court order. However, if otherwise eligible, you may receive the complete annuity if the former spouse loses eligibility for benefits.
Read about survivor benefit elections.
If no survivor annuity is payable upon the retiree's death, any remaining portion, representing either the remaining annuity and/or retirement contributions not paid to the retiree, is payable to the person(s) eligible under the order of precedence.
See how the amount of the monthly survivor benefit is determined.
If your 1099R Statement Box 2.a for the Taxable Amount is marked as 'Unknown'; this means that OPM did not calculate the tax-free portion of your annuity. Some of the most common reasons for not calculating the tax-free portion of your annuity:
OPM CAN NOT provide tax advice. Please contact the Internal Revenue Service toll free at 1-800-829-1040 to speak with an agent who will provide free tax advice.
If you are a widow or widower of an individual who died as an employee or retiree, your survivor annuity begins on the day after the employee's or retiree's death. If you are a widow or widower of a former FERS employee who was separated from Federal service when he/she died, but had not yet retired, your annuity begins on the date the deceased former employee would have been eligible for an unreduced annuity. You have the option to begin receiving the benefit at a lower rate on the day after the former employee’s death.
If you are eligible for benefits and we are unable to pay you because a former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits.
If you are eligible for a survivor annuity because of your insurable interest in the life of the annuitant, your survivor annuity begins on the day after the annuitant's death.
If you are a former spouse who was awarded a survivor annuity based on a court order, your survivor annuity begins to accrue on whichever day is later: the day after the employee's or retiree's death or the first day of the second month after we receive a certified copy of the court order along with any additional necessary supporting documentation. If you are a former spouse who is eligible for benefits based on the retiree's election of a reduced annuity to provide the benefit, your annuity begins to accrue the day after the retiree's death. If you are eligible for benefits and we are unable to pay you because another former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits.
If you are a child of a deceased employee or annuitant, your survivor annuity begins to accrue on the day after the employee's or retiree's death.
If you are receiving regular payments and you have not received your temporary numeric password or you have lost your current password. Select the Forgot Claim Number/Password from the SOL Home page within the Login box. You can request a password by either Email or by Mail. To receive a password by email, you must have an email address on file within SOL and you must have already established and be able to answer your personal security questions.
For security reasons, you cannot use the online password request system to request a temporary password if your account has not been accessed within a 15 month period or if your account has been deactivated. You must contact our Retirement Operations Center at 1-888-767-6738 and speak to a customer service agent to request a new password.
Do not request a new Password if:
By requesting a new password in any of the above instances, you will further delay your access to SOL.
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