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Insurance FAQs

Life

  • 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  5TH FLOOR  27-01 QUEENS PLAZA NORTH  QUEENS, NY 11101 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.
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  • If the insured person was a Federal RETIREE or compensationer: You must report the death to OPM's Retirement Office. You can report an annuitant's death online or you can call OPM Retirement at 1-888-767-6738. If you believe the retiree was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife. MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims. OPM has no role in this process. Due to privacy restrictions, OPM cannot release information about whether the retiree was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries. MetLife will mail a claim form to each beneficiary. All inquiries about life insurance claims must be directed to OFEGLI. If the insured person was a Federal EMPLOYEE: You must report the death to the employee's human resources office. If you believe the employee was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife. MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims. OPM has no role in this process. Due to privacy restrictions, the employee's human resources office cannot release information about whether the employee was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries. MetLife will mail a claim form to each beneficiary. All inquiries about life insurance claims must be directed to OFEGLI. If the insured person was FAMILY MEMBER covered under FEGLI Option C: FEGLI Option C covers the lives of the employee/retiree's spouse and eligible children under age 22. If you have Option C coverage and an eligible family member dies, complete an Option C claim form and submit it to the location indicated on page 1.
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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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  • "Assignment" means that you give ownership and control of your Basic, Option A, and Option B life insurance coverage to someone else. This means that the money goes to the assignee, or the assignee's beneficiary(ies) when you die. The insurance is still on your life and you must continue to pay for the coverage, but someone else "owns" and controls your coverage. You may assign your life insurance coverage to an individual, a corporation, or an irrevocable trust. Your decision to assign your life insurance coverage is irrevocable; you cannot cancel your assignment if you change your mind. You cannot assign Option C.
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  • If the insured person was a Federal RETIREE or compensationer:  You must report the death to OPM's Retirement Office.  You can use report a death online or you can call Retirement at 1-888-767-6738. If you believe the retiree was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife.  MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims.  OPM has no role in this process. Due to privacy restrictions, OPM cannot release information about whether the retiree was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries.  MetLife will mail a claim form to each beneficiary.  All inquiries about life insurance claims must be directed to MetLifeIf the insured person was a Federal EMPLOYEE:  You must report the death to the employee's human resources office. If you don't know how to contact the employee;s human resource office, you can reach out to the appropriate Agency Benefits Officer. If you believe the employee was enrolled in FEGLI Life Insurance and that you are a beneficiary, you can download a claim form and mail it to OFEGLI, an office of MetLife.  MetLife determines who is entitled to FEGLI Life Insurance proceeds, for what amount, and processes all claims.  OPM has no role in this process. Due to privacy restrictions, the employee's human resources office cannot release information about whether the employee was enrolled in FEGLI Life Insurance, the amount of life insurance, or the names of the beneficiaries.  MetLife will mail a claim form to each beneficiary.  All inquiries about life insurance claims must be directed to MetLifeIf the insured person was FAMILY MEMBER covered under FEGLI Option C:  FEGLI Option C covers the lives of the employee/retiree's spouse and eligible children under age 22. If you have Option C coverage and an eligible family member dies, complete this form and submit it to the location indicated on page 1.
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  • Increasing life insurance:  FEGLI life insurance open seasons are infrequent.  None are currently scheduled.   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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  • Premiums can vary depending on your salary and age.  On OPM’s website you can see the current employee premium rates and annuitant premium rates.  Using the rates you can calculate your premiums manually, or you can let the FEGLI Calculator do the math for you. Biweekly employees pay 15 cents per $1,000 of Basic coverage.  To calculate your Basic coverage, take your annual rate of pay, round it up to the nearest whole $1,000 and then add $2,000.  Take the number of thousands of dollars and multiply them by 15 cents to get your biweekly Basic premium. Basic premiums are the same for employees regardless of age.  Postal employees typically receive Basic with no premium. Optional premiums increase with age in five-year bands starting at age 35.  Premiums increase at age 35, 40, 45, and so on. For Option B coverage, again you take your annual rate of pay and round it up to the nearest whole $1,000.  You do not add $2,000 for option B.  Take the number of thousands of dollars and multiply them by the Option B rate for your age to get your biweekly Option B premium. For annuitants, your FEGLI coverage and premiums are based on your salary at the time of retirement, not on the amount of your annuity.  After age 65, your coverage and premiums may change based on the reduction choices you made at the time of retirement.  
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  • When your FEGLI group life insurance coverage terminates involuntarily (as opposed to when you voluntarily cancel it), you can convert your coverage to a non-FEGLI individual life insurance policy with a private insurance company.  Common termination events include leaving Federal service, changing to a position that is not eligible for FEGLI, or retiring without meeting the requirements to continue coverage. When FEGLI coverage terminates, you can convert all or part of your life insurance coverage with no medical exam required.  Your premiums will change because you no longer will receive a government contribution toward your premium and because you are no longer part of an insurance pool with other enrollees. If you have assigned (transferred ownership of) your coverage to someone else, then your assignee has the right to convert coverage, except for your Option C (Family Insurance). The individual conversion 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. Typically the deadline to convert is 60 days after the terminating event, or 31 days after you receive notice from your agency, whichever is sooner.  To convert, follow the instructions on the Notice of Conversion Privilege.
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  • FEGLI qualifying life events are marriage, divorce, death of your spouse, and acquisition of an eligible child.  If you experience a life event and you are a FEGLI-eligible employee, you can elect any coverage the FEGLI program offers.  Submit a Life Insurance Election to your employing agency’s human resources office within 60 days after the date the event.  You can also submit your election before the event and provide proof of the event to your agency within 60 days after the date of the event. Your agency may also offer online enrollment through an internal human resources portal. A life event is one way an employee can elect or increase FEGLI coverage.  Other ways are during an infrequent life insurance open season, or at any time by passing a physical exam.
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  • If you had a life event during a break in service, you may still be able to enroll or increase your coverage. You normally have 60 days from the date of a life event (marriage, divorce, death of a spouse, acquisition of a child) to enroll or increase your coverage. But if you are not serving in a covered position on the date of the event, you may make a life event election within 60 calendar days of becoming employed in a covered position. To make a change based on a life event, you must submit a Life Insurance Election (SF 2817) to your human resources office within the appropriate time limit.
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  • When you are newly appointed or transferred to a FEGLI eligible position, you are automatically enrolled in FEGLI Basic life insurance.  To elect any Optional coverage, or to waive Basic, you must complete a Life Insurance Election (SF 2817) and return it to your employing agency’s human resources office. Your agency may also offer an electronic enrollment option. Contact your supervisor if you need assistance locating your human resources office. If you do not submit an election form within 60 days of becoming eligible, you remain enrolled in Basic only
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  • Employees: File the court order with your employing agency's human resources office.  If you do not know how to contact your human resources office, you can ask your supervisor or contact the appropriate Agency Benefits Officer. Annuitants: File the court order with OPM's Retirement Office at: Office of Personnel Management Retirement Operations Center Validation Section P.O. Box 45 Boyers, PA 16017-0045 Compensationers: If you receive benefits from the Department of Labor, Office of Workers Compensation Programs and you've been receiving these benefits for less than 12 months and you are still on the agency's rolls as an employee, file the court order with your employing agency's human resources office. If you are on compensation and are separated from your agency or have been receiving compensation for 12 months or more, file the court order with OPM's Retirement Office at the address above. Note: A certified copy of the court order must be on file with the appropriate office before the death of the insured person to be valid.
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  • Some employees are eligible to continue FEGLI life insurance into workers’ compensation. FEGLI coverage continues for free (no premium) for up to 12 months for an employee in nonpay status. But if you are receiving benefits from OWCP during these 12 months, your premiums will be paid from those benefits. At the end of those 12 months, your employing agency will forward your FEGLI life insurance records to OPM. OPM will determine if you are eligible to continue coverage as a “compensationer”. To be eligible, you must have carried your FEGLI coverage for your last 5 years of Federal service before starting compensation, or if you had coverage for less than 5 years, for your entire period(s) of Federal service. Compensationer life insurance is subject to the same conditions as those of a civil service retiree. If you are eligible to continue coverage, OPM will maintain your coverage records while OWCP will withhold premiums. If you are not eligible to continue coverage, your FEGLI terminates at the end of your first 12 months of nonpay status. When your FEGLI coverage terminates, the law provides a free 31-day temporary extension of coverage to allow you to find new life insurance. You also have the right to convert your terminating coverage to a non-FEGLI individual life insurance policy with a private life insurance company. For information about your FEGLI coverage, contact OPM Retirement at 1-888-767-6738 if you are already past your first 12 months of nonpay status.
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  • COVERAGE CONTINUES When called to active duty military service, some employees keep their Federal civilian job in a nonpay status (leave without pay) while others separate from their civilian job entirely. By law, in both cases the employee is considered to be in a nonpay status for the purposes of FEGLI life insurance. FEGLI coverage continues for free (no premium) for up to 12 months of nonpay status for these employees, just as it does for any employee in nonpay status. Employees who keep their Federal civilian job in nonpay status can elect to continue their FEGLI life insurance for a second 12 months (for a total of 24 months). While the first 12 months are free, for the second 12 months the employee must pay all premiums, including the agency’s share. Employees who separate from their Federal civilian job for military service can elect the same second 12 months of continued coverage, but only if they have reemployment rights under The Uniformed Services Employment and Reemployment Rights Act of 1994. The employing agency is responsible for determining whether the employee has these rights. The employee would still pay all premiums for the second 12 months. To elect this second 12 months of continued coverage, the employee must notify his/her employing agency in writing before the end of the first 12 months of continued coverage. Typically the employing agency provides an election document when the agency learns of the deployment. LIFE INSURANCE BENEFITS ARE STILL PAID Regular FEGLI benefits are payable regardless of the cause or location of death. FEGLI will still pay regular benefits if your death occurs in combat. FEGLI Basic and Option A coverage include Accidental Death and Dismemberment Coverage (AD&D) for employees at no additional cost. AD&D pays extra benefits on top of regular FEGLI benefits if you are killed or dismembered as the direct result of an accidental injury. OFEGLI will determine on a case-by-case basis if you qualify for these additional benefits; however, AD&D excludes “a war (declared or undeclared), any act of war, or any armed aggression or insurrection in which you are in actual combat at the time bodily injury is sustained”. Even if AD&D benefits are not payable, regular FEGLI benefits will still be paid. WHEN COVERAGE TERMINATES For employees who elect to continue coverage, FEGLI terminates at the end of 24 months (as long the employee pays premiums during the second 12 months), or 90 days after military service ends, whichever comes first. For employees who did not elect to continue coverage, FEGLI terminates at the end of 12 months or 90 days after military service ends, whichever comes first. When your FEGLI coverage terminates, the law provides a free 31-day temporary extension of coverage to allow you to find new life insurance. You also have the right to convert your terminating coverage to a non-FEGLI individual life insurance policy with a private life insurance company. ELECTING NEW COVERAGE Deploying to active duty is not a qualifying life event allowing an employee to elect new FEGLI coverage. But an employee can elect new coverage at any time by passing a physical exam using Standard Form 2822, as long as one year has passed since the employee last waived coverage. The employee must be in pay and duty status for the new coverage to go into effect.
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  • Employees returning from active duty military service to civilian Federal service get back the same types and multiples of FEGLI life insurance they had before going into nonpay status (as long as the position is not excluded from coverage). If the employee was separated from civilian Federal service for 180 days or more, the employee also gets an opportunity to elect more coverage, similar to a new employee.
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  • Please report it at www.opm.gov/reportdeath.  If you are unable to use the website, you can report it by contacting OPM’s Retirement Office at 1-888-767-6738.  The phone lines are open from 7:30am to 5:00pm (Eastern Time). It is a busy phone number so we encourage you to call early in the morning or after 3pm when the phone lines are less busy.
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  • The reductions start at the beginning of the 2nd month after your 65th birthday or the beginning of the 2nd month after your retirement date, whichever is later. For example: Pierre retired December 31, 2017. He will turn 65 on March 15, 2020. The reductions for his Basic and Optional insurance (if applicable) will start May 1, 2020. Here's another example: Selena was 67 years old when she retired on December 31, 2017. Since she was already past 65 when she retired, the reductions for her Basic and Optional insurance (if applicable) will start February 1, 2018.
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  • Your life insurance coverage continues for up to 12 months in a LWOP or nonpay status. You do not have to pay any premiums while you are on LWOP unless you are receiving benefits from the Department of Labor, Office of Workers' Compensation Programs. The life insurance ends at the end of the 12 months with a 31-day extension of coverage and a right to convert to an individual policy. If you are receiving workers' compensation when you complete 12 months in nonpay status, you may be eligible to continue FEGLI life insurance as a compensationer.
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  • FEGLI life insurance open seasons are rare. The most recent FEGLI open seasons were in 2004 and 2016. Enrollees can cancel or reduce FEGLI life insurance at any time, without waiting for an open season. Enrollees can also make changes to their beneficiary designation at any time. To elect or increase coverage, employees can pass a physical exam, have a qualifying life event such as marriage or birth, or wait for a life insurance open season.  For more information, please visit www.opm.gov/life.
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  • This means that the person (a designated beneficiary or person entitled under the order of precedence) advised OFEGLI, in writing, that he/she does not want the money he/she is entitled to receive. A disclaimer by default means that the person doesn't ever file a claim form to claim the benefits. If someone entitled to benefits disclaims them, he/she cannot tell OFEGLI who should get the disclaimed benefits. Rather, OFEGLI must treat those benefits as if the person disclaiming had died before the Insured. If the person disclaiming was a designated beneficiary, OFEGLI would pay the disclaimed share equally to the remaining beneficiaries. If there are no remaining beneficiaries or the person disclaiming was not a designated beneficiary, OFEGLI will pay the proceeds according to the next step in the order of precedence. Perhaps a few examples will help.
    Mary designated John and Susan for 50% each. Mary dies. John disclaims his share. It does not matter that John wanted his mother, Laura, to receive the benefits. OFEGLI will pay 100% to Susan.
    Here's another example.
    Raul is single, childless, and did not designate a beneficiary. Raul dies. His parents are entitled to the benefits based on the order of precedence. His father disclaims his share of the benefits. OFEGLI will pay 100% to his mother.
    And here's a final example.
    Cyndi is married with one child. She did not designate a beneficiary. Cyndi dies. Her husband is entitled to the benefits based on the order of precedence. He disclaims the benefits. OFEGLI moves to the next step in the order of precedence and pays 100% to Cyndi's child.
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Total Count: 120, Number of Pages: 6, Page: 6
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