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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.
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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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  • "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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  •  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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Total Count: 125, Number of Pages: 9, Page: 9
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