Federal Employees Group Life Insurance

benefits and political benefits

group life insurance for federal employees

filing a group life insurance (fegli) claim for federal employees

When a federal employee dies or is dismembered, or when an eligible member of an employee’s family dies, contact the employee’s federal agency to find out if the employee was covered under the fegli program. the agency maintains the fegli records of its employees.

if a federal retiree or eligible family member has passed away, contact opm at 1-888-767-6738. opm will provide the appropriate claim forms and information about any fegli coverage.

Reading: What is basic life insurance for federal employees

the fegli program has had experience with other emergency situations. if and when necessary, the fegli program will apply accelerated procedures used successfully in the past.

Call the Office of Federal Employees Group Life Insurance (ofegli) at 1-800-633-4542 to file a fegli claim. When making the call, mention the emergency situation. specially designated staff will take your claim over the phone. ofegli will follow special procedures in the event of an emergency and will expedite all life insurance claims related to the emergency and pay them as soon as possible. If you prefer, you can submit a paper claim form, which can be found on the healthcare & insurance site or obtained from any federal agency. If you file a paper claim, mail it to the address shown on the form as soon as possible. do not wait for a death certificate or certification from an agency.

fegli coverage

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Unless they waive coverage, most federal employees have basic life insurance under the federal employee group life insurance program. basic life insurance is equal to the actual rate of the annual basic payment (rounded up to the next $1,000) plus $2,000 or $10,000, whichever is greater. In addition, there is an additional benefit for employees under 45 years of age: double the life insurance benefits until age 36, with a reduction of 10 percent per year until age 45, at which time the additional coverage will end.

some employees may also have optional fegli insurance coverage. optional employee coverage can be $10,000 (option a – standard, which doubles in the event of accidental death), and/or one to five multiples of payment (option b – additional). option c – family, insures eligible family members of an employee from one to five multiples of coverage, with each multiple equal to $5,000 in the event of the death of a spouse and $2,500 in the event of the death of an eligible child.

Federal retirees can have fegli coverage if they meet the requirements to carry fegli into retirement. The OPM Retirement Office will be able to verify if a retiree is enrolled in the Fegli program.

Life insurance benefits are paid in a legal order of precedence, as follows:

• first, to the designated beneficiary;
• secondly, if none is designated, to the surviving spouse;
• thirdly, if none of the above, to the deceased child or children and descendants of the deceased children, by proxy;
• fourth, if none of the above, to the surviving parents;
• fifth, if none of the above, to the duly appointed executor or administrator of the estate;
• sixth, if none of the above, to the next of kin as determined by the laws of the state where the retiree lived.

There are exceptions to this order if the insurance coverage has been assigned to someone or if there is an eligible court order specifying a different order.

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fegli accidental death and dismemberment benefits (for employees only)

Basic life insurance also includes accidental death and dismemberment coverage for employees (not retirees). accidental death benefits under the basic insurance are equal to the amount of the basic insurance, without the additional benefit. Accidental death benefits are also available with coverage option A, which provides an additional coverage of $10,000. Accidental death benefits under the basic option are already paid in addition to any other payable fegli coverage.

If you are an employee enrolled in the fegli program and lose a limb or lose sight (in one or both eyes), you may be eligible for accidental dismemberment benefits. these benefits are available under the basic insurance and option a, only for federal employees.

Life insurance benefits under the fegli program would be paid in addition to any workers’ compensation, social security, civil service retirement system or federal employee retirement system survivor benefit, or savings plan payment. Visit the Federal Employees Group Life Insurance Program home page to learn more about life insurance.

If you have any questions, please contact fegli at [email protected], your employment agency, or opm at 1-888-767-6738.

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