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Insurance FAQs Life

General Information (Basic and Optional Coverage)

  • 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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  • There are two types of FEGLI life insurance: Basic and Optional.  You must enroll in Basic before you can select any Optional coverage. Basic covers your life in the amount of your annual basic pay rounded up to the next $1,000 plus $2,000.  For example, if your annual basic pay is $47,500, Basic covers your life for $50,000.  The minimum Basic coverage is $10,000.
    If you continued Basic into retirement, your Basic coverage is based on your annual basic pay at the time you stopped being insured as an employee.  It is not based on your annuity. Once you have elected Basic, you are eligible for any or all types of Optional insurance. Optional insures provides coverage in addition to what you have with Basic.
    • Option A Standard
      • Covers your life for $10,000.
    • Option B Additional
      • Covers your life for 1, 2, 3, 4, or 5 multiples of your annual basic pay (after rounding up to the next $1,000).
    • Option C Family
      • Covers the lives of your spouse and eligible children.  You may elect 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for your spouse and $2,500 for each eligible dependent child.
    For more information, see the FEGLI Program Booklet.
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