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Insurance FAQs Life

  • No. You cannot convert Option C life insurance when family members lose eligibility. You can convert Option C only when you separate from service. If you do not want to convert the coverage when you separate, your family members covered under Option C are eligible to convert their coverage to an individual policy. Eligible family members can also convert their coverage upon your death. They can ask your human resources office for a Notice of Conversion Privilege (SF 2819).
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  • Most Federal employees are automatically enrolled in Basic insurance unless they waive this coverage. Basic is effective on the first day you enter in a pay and duty status in an eligible position. If you have Basic insurance, you may also elect Optional insurance. You must specifically elect the types of Optional insurance you wish to carry within 60 days of becoming eligible. Optional insurance is effective on the first day you are in a pay and duty status on or after the day your human resources office receives your election. To elect Optional insurance within 60 days of becoming eligible, or to cancel (waive) Basic, submit the FEGLI Election Form to your human resources office.
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  • Your enrollment in Basic will be effective on the first day you are in pay and duty status on or after the date OFEGLI approves your request. If you also want to enroll in Option A and/or Option B, this coverage will be effective on the first day you are in pay and duty status on or after the date OFEGLI approves your request and your human resources office receives your Life Insurance Election (SF 2817) electing such coverage.
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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 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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  • 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 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 FEGLI election form 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. More details available in BAL 08-204 and BAL 12-201.
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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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  • If you are an employee in a FEGLI-eligible position, a Qualifying Life Event allows you to enroll in FEGLI Basic, Option A, Option B (up to 5 multiples), and/or Option C (up to 5 multiples).  You must enroll in Basic to be able to enroll in any or all Optional coverage. There are four FEGLI Qualifying Life Events:
    • Marriage
    • Divorce
    • Death of a spouse
    • Acquisition of an eligible child
    To enroll based on a Qualifying Life Event, you must submit a Life Insurance Election (SF 2817) to your human resources office within 60 days after the day of the event.  For more information, contact your human resources office and review page 4, row 2 of the Election 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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  • Employees: File the court order with your human resources office.  If you do not know how to contact your human resources office, ask 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 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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  • 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 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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  • 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. You may cancel life insurance coverage at any time. Be aware that your opportunities to re-enroll are limited.
    • Employees:
    To cancel some or all FEGLI coverage as an employee, submit SF 2817 to your human resources office and sign only for the FEGLI coverage that you want to KEEP.
    • Retirees:
    To cancel some or all FEGLI coverage as an annuitant, there is no form.  You must write a letter to: Office of Personnel Management  Retirement Operations Center  P.O. Box 45  Boyers, PA 16017-0045 Any cancellation or reduction of life insurance must be in writing and have an original signature by the insured retiree.  Be sure to include your retirement claim number (CSA number) or social security number and specify what action you want taken.  Please note you cannot increase your coverage after retirement, or reinstate any coverage that you cancel.    The cancellation is effective, and all insurance stops, at the end of the pay period in which you properly file the waiver.  For retirees, a month is considered a pay period. You continue to have the coverage through the pay period in which you file the waiver and must pay premiums for that pay period.  You will not receive a refund for premiums withheld prior to the effective date of cancellation.
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  • 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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Total Count: 125, Number of Pages: 9, Page: 7
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