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A family member died



If you are enrolled in Self and Family and an eligible family member dies, you may decrease your enrollment to Self Plus One if only one eligible family member remains, or to Self Only if no eligible family members remain.  If you wish to remain in Self and Family, you can contact your carrier directly to remove your deceased family member from your enrollment.

If you are enrolled in Self Plus One  and your designated eligible family member dies, you may switch your covered family member to cover another eligible family member or decrease your enrollment to Self Only.I

If you are an employee, contact the Human Resources Office of your employing agency to make an enrollment change. If you are a retiree, contact your retirement system. Your FEHB plan may request information, inlcuding evidence of family relationship.

Dental or Vision

If you have him/her listed as your "One" under a Self Plus One enrollment or under your Self and Family enrollment, you should remove him or her from your FEDVIP enrollment through your BENEFEDS account at as soon as possible.

If the death means your coverage should now be a Self Only or Self Plus One enrollment, you can decrease your enrollment type from 31 days before to 60 days after the death as a Qualifying Life Event at Don't miss these dates, or you will have to wait until the next Federal Benefits Open Season to make the change and may be paying a higher premium for coverage you cannot use.

If you do not have access to a computer, call BENEFEDS at 1-877-888-FEDS (3337), TTY 1-877-889-5680.


If you experience the death of a family member, you may file a claim for benefits if you have Family Option-C and the deceased individual is either a spouse or eligible dependent child. Please refer to the FEGLI Handbook for more information.

An employee who experiences a FEGLI qualifying life event, including death of a spouse, has 60 days from the date of the event to elect Basic, plus any or all Optional insurance: Option A, Option B (up to the maximum of 5 multiples with no restrictions), and Option C (up to the maximum with no restrictions). Each Option C multiple equals $5,000 in coverage for a spouse and $2,500 for each eligible dependent child.

Flexible Spending Accounts

You may be able to enroll in an FSAFEDS health care flexible spending account and/or dependent care account or change your current election(s) from 31 days before the event to 60 days after the event (if your agency participates in FSAFEDS). For the health care account, you must also be eligible to enroll in the FEHB Program. Your requested change must be consistent with the event and you cannot enroll or increase your election(s) after October first (you would have to wait until Open Season).

Go to and click on "Qualifying Life Event" or call FSAFEDS at 1-877-FSAFEDS (372-3337), TTY: 1-800-952-0450 to discuss possible options.

Long Term Care

FLTCIP coverage is individual (there is no "Self and Family" enrollment). The death of a family member does not affect your coverage or premiums.

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