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Frequently Asked Questions Insurance

Increasing or Decreasing Coverage

  • Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new opportunities for certain employees. The new election applies if you are a civilian employee eligible for FEGLI who is deployed in support of a contingency operation as defined by section 101 (a) (13) of Title 10. You may elect Basic, Option A and Option B (up to the maximum of 5 multiples). You must make the election on the SF 2817 (or its electronic equivalent) within 60 days after the date of notification of your deployment in support of a contingency operation. Contact your employing agency human resources office for more information. See more details in BAL 08-204.
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  • Yes, Public Law 110-417, the Duncan Hunter National Defense Authorization Act, allows new FEGLI life insurance election opportunities for certain employees. The new election applies if you are a civilian employee in the Department of Defense eligible for FEGLI who is designated as "emergency essential" under section 1580 of Title 10. 

    You may elect Basic, Option A and Option B (up to the maximum of 5 multiples). You must make the election on the FEGLI election form within 60 days of the date of the notification of the designation as an emergency essential employee.. 

    Contact your employing agency human resources office for more information. More details available in BAL 08-204 and BAL 12-201.

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  • No. You may cancel life insurance coverage at any time. Be aware that your opportunities to re-enroll are limited.

    • Employees:

    To cancel some or all FEGLI coverage as an employee, submit SF 2817 to your human resources office and sign only for the FEGLI coverage that you want to KEEP.

    • Retirees:

    To cancel some or all FEGLI coverage as an annuitant, there is no form.  You must write a letter to:

    Office of Personnel Management 
    Retirement Operations Center 
    P.O. Box 45 
    Boyers, PA 16017-0045

    Any cancellation or reduction of life insurance must be in writing and have an original signature by the insured retiree.  Be sure to include your retirement claim number (CSA number) or social security number and specify what action you want taken.  Please note you cannot increase your coverage after retirement, or reinstate any coverage that you cancel.   

    The cancellation is effective, and all insurance stops, at the end of the pay period in which you properly file the waiver.  For retirees, a month is considered a pay period. You continue to have the coverage through the pay period in which you file the waiver and must pay premiums for that pay period.  You will not receive a refund for premiums withheld prior to the effective date of cancellation.
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  • FEGLI life insurance open seasons are extremely rare.  Outside of an open season, eligible employees can enroll in FEGLI by taking a physical exam or with a Qualifying Life Event.

    The form to request FEGLI by taking a physical exam is the SF 2822.  The form is completed partly by you, partly by your agency, and partly by your healthcare provider.  If OFEGLI approves your request, you are automatically enrolled in Basic. If you want Optional insurance as well as Basic, you can enroll in Option A and/or Option B within 60 days from the date of OFEGLI's approval. You cannot enroll in Option C by getting a physical.

    With a FEGLI Qualifying Life Event, you can enroll in FEGLI Basic, Option A, up to five multiples of Option B, and/or up to five multiples of Option C.  Qualifying Life Events are marriage, divorce, death of spouse, or acquisition of an eligible child. To enroll or increase your FEGLI coverage based on a life event, submit an SF 2817 to your human resources office within 60 days after the life event. 

     

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  • 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.
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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.

     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.

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  • Increasing life insurance: 

    UPDATE: A FEGLI life insurance open season has been scheduled for September 1 through September 30, 2016.  Coverage elected during the open season will be effective the first pay period beginning on or after October 1, 2017.  For more information, please visit www.opm.gov/life.
     
    Outside of an open season, eligible employees can enroll or increase their coverage by taking a physical exam or with a Qualifying Life Event.

    For more information about the physical exam, please see SF 2822.

    FEGLI life events are marriage, divorce, death of spouse, or acquisition of an eligible child.  With a life event, you can enroll or increase coverage in Basic, Option A, up to five multiples of Option B, and/or up to five multiples of Option C.  You must submit an SF 2817 to your human resources office within 60 days after the life event.

    Reducing or cancelling life insurance:

    You can reduce or cancel your FEGLI life insurance at any time, without waiting for an open season.  

    If you are an employee, submit an SF 2817 to your human resources office, signing only for the coverage you want to keep.  

    If you are retired, there is no form; you must write a signed letter to OPM's Retirement Office stating clearly the reduction or cancellation you want to make.  Be sure to include your signature, annuity number (CSA/CSF) or social security number, and your phone number.  Send the letter to:

    • Office of Personnel Management 
    • Retirement Operations Center 
    • P.O. Box 45 
    • Boyers, PA 16017-0045

    Please note that you cannot enroll, increase coverage, or restore cancelled coverage after you have retired.

    Changing beneficiaries:

    You can change beneficiaries at any time, without waiting for an open season.  Submit an SF 2823 to your human resources office, or to OPM's Retirement Office if you have retired.  The address for OPM's Retirement Office is on page 3 of the form.
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  •  You can reduce or cancel your FEGLI life insurance at any time, without waiting for an open season. 

     If you are an employee, submit an SF 2817 to your human resources office, signing only for the coverage you want to keep. 

     If you are retired, there is no form; you must write a signed letter to OPM's Retirement Office stating clearly the reduction or cancellation you want to make.  Be sure to include your signature, annuity number (CSA/CSF) or social security number, and your phone number.  Send the letter to:

    Office of Personnel Management
    Retirement Operations Center
    P.O. Box 45
    Boyers, PA 16017-0045

     Please note that you cannot enroll, increase coverage, or restore cancelled coverage after you have retired.

    Changing beneficiaries:

     You can change beneficiaries at any time, without waiting for an open season.  Submit an SF 2823 to your human resources office, or to OPM's Retirement Office if you have retired.  The address for OPM's Retirement Office is on page 3 of the form.

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