The Federal Government established the Federal Employees’ Group Life Insurance (FEGLI) Program on August 29, 1954. It is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members.

Most employees are eligible for FEGLI coverage. FEGLI provides group term life insurance. As such, it does not build up any cash value or paid-up value. It consists of Basic life insurance coverage and three options. In most cases, if you are a new Federal employee, you are automatically covered by Basic life insurance and your payroll office deducts premiums from your paycheck unless you waive the coverage. In addition to the Basic, there are three forms of Optional insurance you can elect. You must have Basic insurance in order to elect any of the options. Unlike Basic, enrollment in Optional insurance is not automatic -- you must take action to elect the options.

The cost of Basic insurance is shared between you and the Government. You pay 2/3 of the total cost and the Government pays 1/3. Your age does not affect the cost of Basic insurance. You pay the full cost of Optional insurance, and the cost depends on your age.

The Office of Federal Employees’ Group Life Insurance (OFEGLI), which is a private entity that has a contract with the Federal Government, processes and pays claims under the FEGLI

Premium Changes & Open Season Announcement!!

Note: Life Insurance Open Seasons are held infrequently. You will receive plenty of notice if and when there is an Open Season. The last FEGLI Open Seasons were held from September 1 - September 30, 2004 and in 1999.

FEGLI Handbook

OPM Introduction to the FEGLI Program

FEGLI Calculator

 FORMS:  http://www.opm.gov/forms/pdf_fill/sf2819.pdf


The OPM webpage provides basic FEGLI information, a FEGLI calculator and two YouTube videos:

“Your FEGLI Life Insurance – For Employees” perfect for new employee orientations and annual insurance benefit fairs.  It covers:

  1. *         Why an employee might want life insurance
  2. *         What coverage is available
  3. *         How to enroll
  4. *         How to designate beneficiaries
  5. *         How to make changes
  6. *         How much it costs

“Your FEGLI Life Insurance – For Annuitants and Retiring Employees” which is ideal for employees approaching retirement and for retired employees.  It covers:

  1. *         Requirements for bringing FEGLI into retirement
  2. *         Post-65 reductions: how they work and how to elect them
  3. *         How to check on your amount of coverage
  4. *         How to check on your beneficiaries
  5. *         How to make changes

OPM has also put together three FEGLI myth busting videos for employees:

 Will I lose my Federal life insurance coverage when I retire?  https://twitter.com/USOPM/status/541331268756340736

 Can I make a changes to my Federal life insurance once I retire?  https://twitter.com/USOPM/status/541360752053866496

 When I turn 65, will I automatically lose my Federal life insurance coverage?  https://twitter.com/USOPM/status/541969599454261248



© NYS DMNA: Technician Resources - FEGLI
URL: http://dmna.ny.gov/hro/tech/?page=1276795374
Page Last Modified: 31 Aug 15
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