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Insurance FAQs Life

  • 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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  • 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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  • 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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  •  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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Total Count: 120, Number of Pages: 8, Page: 7
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