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Insurance FAQs

Life

  • If you have a prior Designation of Beneficiary on file with your human resources office (or OPM's Retirement Office if retired), and you now wish for benefits to be paid by the order of precedence, file a new Designation of Beneficiary and state "Cancel Prior Designations" as instructed on page 2. To see the order of precedence, visit the FEGLI Handbook.
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  • No. A court order can direct that the insured individual assign (give up ownership of) his/her life insurance coverage under the FEGLI Program. But unless and until the insured individual files a valid assignment form (RI 76-10 Assignment), the insurance is not assigned. This is different than a designation. If valid, a court order can serve as a designation of beneficiary for life insurance purposes even if the insured individual doesn't complete a designation form.
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  • Yes. Effective July 22, 1998, a new law changed the way the Office of Federal Employees' Group Life Insurance (OFEGLI) pays death benefits. OFEGLI must pay benefits in accordance with the terms of a valid court decree of divorce, annulment, or legal separation, or the terms of a court order or court-approved property settlement agreement relating to such a court decree, regardless of whether the insured individual actually completes a designation complying with the court order. To be valid the court order must be a certified copy. The appropriate office must receive the certified copy before the insured's death and it must expressly provide for someone to receive your FEGLI benefits. If a valid court order is in effect, the insured individual cannot change his/her designation, unless the person(s) named in the court order agrees in writing or unless the court order is later modified.
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  • FEGLI Basic and Option A each include Accidental Death and Dismemberment (AD&D) coverage for employees at no additional charge. AD&D coverage cannot be carried into retirement. AD&D benefits are paid in addition to regular death benefits. For the Office of Federal Employees' Group Life Insurance to pay AD&D benefits, the death or loss must occur within one year after the accident and be a direct result of bodily injury sustained from that accident. AD&D coverage in Basic is equal to the amount of your Basic insurance. AD&D coverage in Option A is equal to $10,000. For more information about AD&D, see the FEGLI Handbook.
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  • 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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  • No. You cannot submit a new Designation of Beneficiary to void the court order. If there is a valid court order on file, you may not change or submit a designation of beneficiary unless the person(s) named in the decree, order, or agreement agrees in writing or unless the decree, order or agreement is modified. For more information, see the FEGLI Handbook.
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  • If you separate from service to enter the military you are considered to be in a nonpay status for FEGLI Purposes. As long as you have reemployment rights under USERRA, you can keep your FEGLI coverage for up to 12 months, or until 90 days after your military service ends, whichever date comes first. This coverage is free. At the end of 12 months (or 90 days after the military service ends), the coverage terminates. 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 and Questions and Answers. At the end of 12 months, or 90 days after your military service ends, whichever date comes first, your former agency must complete an Agency Certification of Insurance Status (SF 2821) and a Notice of Conversion Privilege (SF 2819). If a claim needs to be filed while you are still covered under FEGLI, you or your survivors should contact your former employing agency.
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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. Once you are enrolled in Option C life insurance, all eligible family members are automatically covered. For more information see the FEGLI Handbook.
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  • OFEGLI’s address is OFEGLI, P.O. BOX 6080, SCRANTON, PA 18505-6080.  Their phone number is 1-800-633-4542.
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  • No. The FEGLI Program provides group term life insurance. It does not have any cash value and you cannot borrow against your coverage. The only opportunities to get money from your coverage while you are still alive are (1) if you are terminally ill and qualify for Living Benefits, or (2) if you assign your coverage to a person or corporation who is willing to pay you cash now in exchange for ownership of your life insurance.
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  • The Office of Federal Employees' Group Life Insurance (OFEGLI) is an administrative unit of Metropolitan Life Insurance Company that pays claims for the Federal Employees' Group Life Insurance (FEGLI) Program. If OFEGLI is paying the beneficiary less than $5,000, the beneficiary will receive a check. If OFEGLI is paying the beneficiary $5,000 or more, the beneficiary will have a choice of two ways to receive the payment.
    • A check
    • A MetLife Total Control Account or (TCA), an interest bearing account set up in the beneficiary's name, with Metropolitan Life Insurance Company (MetLife)
    If the beneficiary is receiving $5,000 or more and does not make a decision on how to receive payment, a MetLife Total Control Account will be set up in the beneficiary' s name. For more information, see the FEGLI Handbook chapter on claims.
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  • Life insurance proceeds are not considered taxable income for the recipients for personal income tax purposes. Typically there is a small amount of interest payable for the days between the date of death and the date of payment.  This interest is reportable as income for Federal Income tax purposes. You may wish to consult your tax advisor for further advice.
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  • Another person may apply for a Living Benefit on your behalf if all of the following conditions are met: (i) Your physician must certify that you are physically or mentally incapable of making an election; (ii) The applicant must have power of attorney or a court order authorizing him or her to elect a Living Benefit on your behalf; (iii) The applicant must place his or her own signature on the application and attach it to a true and correct copy of the power of attorney or court order authorizing the applicant to make the election on your behalf; and (iv) The applicant must either be your sole beneficiary or attach a true and correct copy of each beneficiary’s written and signed consent.  
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  • Send the completed form with a certified copy of the death certificate to the insured's agency if he/she died as an employee. If you are the deceased's widow(er) and the agency told you to send your claim form and other documents directly to OFEGLI, you should do that. If the deceased was retired, send the form with a certified copy of the death certificate to: Office of Federal Employees' Group Life Insurance  P.O. Box 6080 Scranton, PA 18505-6080
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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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  • 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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  • OFEGLI’s address is OFEGLI, P.O. BOX 6080, SCRANTON, PA 18505-6080.  Their phone number is 1-800-633-4542.
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  • No. There is no maximum. The amount is based on your annual basic rate of pay.
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  • Hi and thank you for your question. There are a number of resources available to find out more information about FEGLI. Below is a short list 1) For a brief overview: FEGLI FastFacts document 2) Information geared towards newly eligible employees: The Guide Me section for New / Prospective Employees 3) Information geared toward established federal employees: The Guide Me section for Federal Employees 4) Information geared toward retirees or family members: The Guide Me section for Retirees / Survivors 5) To calculate what your premiums would be: Visit the FEGLI Calculator 6) For detailed guidance on the FEGLI Program: Review the FEGLI Handbook 7) Report the Death of a Retiree or Survivor Annuitant  8) If you would like to talk or email with someone regarding your options you will need to touch bases with either OPM's Retirement office  (contact information) if you are an annuitant, or your agency's Human Resource department if you are an active employee. That office maintains your Official Personnel Folder (OPF) or its equivalent and is the only office with access to your Federal insurance records.
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Total Count: 120, Number of Pages: 6, Page: 5
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