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

In This Section

Insurance FAQs

Life

  •  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.
    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.
  • 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.
    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  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.
    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.
  • "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.
    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 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.
    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.


Total Count: 125, Number of Pages: 7, Page: 7
Control Panel