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Insurance Services Programs

Federal Employees' Group Life Insurance Program

FEGLI Handbook

Annuitants and Compensationers (Continued)

QUALIFYING RETIREMENT SYSTEMS

Type of System

For FEGLI purposes, you must retire under a civilian retirement system for Federal or District of Columbia Government employees.

Qualifying Systems

Civilian systems include, but are not limited to, the following:

  • Civil Service Retirement System (CSRS)
  • Federal Employees Retirement System (FERS)
  • Board of Governors of the Federal Reserve System
  • Tennessee Valley Authority System
  • Foreign Service Retirement System
  • Foreign Service Pension System
  • CIA Retirement System
  • Public School Teachers of the District of Columbia System
  • Policemen and Firemen of the District of Columbia System
  • National Oceanic and Atmospheric Administration System
  • Officers of the Public Health Service System
  • Lighthouse Retirement System
  • Federal Judiciary Retirement System
  • Judiciary of the Territories Retirement System
  • Teachers Insurance Annuity Association and Collegiate Retirement Equities Fund Retirement System
  • Nonappropriated Funds Retirement System
  • Financial Institutions Retirement Fund System
  • U.S. Tax Courts Judges Retirement System
  • Military Court of Appeals Judges Retirement System
  • U.S. Court of Veterans Appeals Judges Retirement System
  • District of Columbia Courts Judges Retirement System

Certification of Insured Employee's Retired Status

If you retire under a system other than CSRS or FERS, the administering agency/office of that system must certify your retirement status to the Office of Personnel Management on the Certification of Insured Employee's Retired Status (SF 2820).

OPM will then determine whether or not you meet the requirements for continuing insurance as an annuitant. OPM will notify both you and the administering agency/office of our decision. If you are eligible to continue coverage, OPM's Retirement Operations Center will maintain your life insurance file. You will be given a CSI file number and a letter explaining the value of your life insurance. The duplicate copy of the SF 2820 will be sent back to the administering agency of the retirement system.

Notifying OPM of a Retiree's Death under a Qualifying Retirement System

If you die as a retiree insured under a system other than CSRS or FERS, your survivors must inform the administering agency of the retirement system of your death. The retirement system will notify OPM. The retirement system does this by completing the Agency Report of Termination of Retired Status (bottom block) on the form SF 2820. (Or on the old form SF 49.)

They will include a letter/memo with the name of the deceased and the date of death. It is faxed or sent to OPM to the attention of Gloria Gillespie. The fax number is 724-794-1263. The address is: OPM, Retirement Operations Center, PO Box 45, Boyers, PA 16017-0045.

Once the Retirement Office learns of the death, they will send the claim form (FE-6) to the survivor and whoever appears eligible for benefits. They also send the necessary certification to the Office of Federal Employees' Group Life Insurance (OFEGLI).

The claim form (FE-6) should be completed and sent along with a certified copy of the death certificate to OFEGLI, P.O. Box 2627, Jersey City, NJ 07303-2627.

PROCEDURES FOR RETIRING EMPLOYEES

Forms

Continuation of Life Insurance Coverage (SF 2818)

This is the form you use to choose (and sign for) each type of life insurance coverage that you would like to have in retirement or compensation. You also elect the amount of reduction for your Basic, Option B and Option C coverage you wish to have after age 65. All retiring employees who are enrolled in FEGLI must complete this form.

(If you decide to cancel or reduce your insurance coverage after you have retired, send OPM a letter stating what action you want taken. Send your notice to OPM's Retirement Operations Center, P.O. Box 45, Boyers, PA 16017-0045. Be sure to include your CSA or CSI number.) If you have assigned your insurance, you cannot cancel the insurance.

Notice of Conversion Privilege (SF 2819)

Agencies must give this form to all retiring employees, even if you appear eligible to continue your insurance. Some employees may choose to convert Option A insurance to avoid the automatic reduction in the amount of coverage after age 65.

This is a two-part form. Part 1 goes to you; Part 2 goes to the retirement system. To Part 2 agencies must attach a list of everyone (names and addresses) they gave or sent the notice to.

If you have assigned your insurance, your employing office must give the SF 2819 to your assignee(s), rather than to you. If you have Option C coverage, your employing office will give you a SF 2819 in case you want to convert that coverage and will give your assignee(s) a separate SF 2819. Please note that the address on the SF 2819 form is not current. The SF 2819 should be sent to OFEGLI, P.O. Box 2627, Jersey City, NJ 07303-2627.

Agency Certification of Insurance Status (SF 2821)

Your employing office must complete this form for all retiring employees, except if you choose to cancel all your insurance.

This form requires two certifications: one by the personnel office and one by the payroll office.

If You Wish to Continue Your Insurance

The following forms must be completed:

  1. Agency Certification of Insurance Status (SF 2821). The employing office gives Part 2 to you. To the original, your employing office attaches all Designations of Beneficiary (SF 2823 or SF 54), assignment forms (RI 76-10), court orders directing payment of FEGLI benefits and any Life Insurance Election forms (SF 2817) from your Official Personnel Folder (to verify eligibility to continue coverage).
  2. Continuation of Life Insurance Coverage (SF 2818). You complete this form and the employing office attaches it to the original of the SF 2821.
  3. Notice of Conversion Privilege (SF 2819). The original goes to you (and/or your assignee(s), if applicable).

Your employing office attaches these forms to your retirement application, and sends the package to the office that administers your retirement system. For CSRS and FERS, it's OPM.

If You Do Not Want to Continue Some or All of Your Insurance into Retirement

If you do not want to carry your life insurance coverage into retirement, the only life insurance form you need to complete is the Continuation of Life Insurance Coverage form (SF 2818). You will have a 31-day temporary extension of coverage and right to convert the "stopped" coverage.

If you cancel your Basic insurance, you cannot continue any Optional insurance.

If you only want to carry some but not all of the Optional insurance you currently have, you will need to complete the Continuation of Life Insurance Coverage form (SF 2818). On this form you must elect if you want to continue each Option into retirement. Your retirement application package must include your completed Continuation of Life Insurance Coverage form (SF 2818) as well as the Agency Certification of Insurance Status (SF 2821), and Notice of Conversion Privilege (SF 2819).

If You Wish to Convert Some or All of Your Insurance

If you want to convert all of your insurance, your employing office will give you both copies of the Agency Certification of Insurance Status (SF 2821) and a Notice of Conversion Privilege (SF 2819). Your employing office will keep any Designations of Beneficiary and court orders directing payment of FEGLI benefits.

If you only want to convert one or more of the Optional insurances, your employing office will attach the original of the SF 2821 to your retirement application. You must submit Part 2 of the SF 2821, along with a completed SF 2819 indicating which options you want to convert, to the Office of Federal Employees' Group Life Insurance.

If You Are Not Eligible to Continue Life Insurance

If it appears that you are not eligible to continue life insurance coverage into retirement, your employing office will give you both copies of the Agency Certification of Insurance Status (SF 2821) and a Notice of Conversion Privilege (SF 2819). Your employing office should send all life insurance documents, including the Designations of Beneficiary and court orders directing payment of FEGLI benefits, to OPM with your retirement papers. OPM will then have all your life insurance records in case any questions arise in the future concerning your coverage.

If you convert your insurance and OPM subsequently determines that you are eligible to continue FEGLI into retirement, your FEGLI enrollment can be reinstated. Your conversion policy must be voided and the premiums you already paid on the policy must be refunded to you.

Disability Retirements under CSRS

If you apply for disability retirement under CSRS and your employing office submits a preliminary Individual Retirement Record (SF 2806), it will submit the Agency Certification of Insurance Status (SF 2821), Life Insurance Election forms (SF 2817) and Designations of Beneficiary on file with the final SF 2806 rather than with the application for retirement.

Your employing office should note your insurance status in the "Remarks" section of the preliminary Individual Retirement Record (SF 2806) as follows:

  • Basic Life: Elected [75% Reduction/50% Reduction/No Reduction]

  • Option A: [Waived/Eligible to continue: coverage began (date)/Not eligible to continue]

  • Option B: [Waived/Eligible to continue: coverage began (date) - number of multiples held during entire last 5 years/Not eligible to continue]

  • Option C: [Waived/Eligible to continue: coverage began (date) - number of multiples held during entire last 5 years/Not eligible to continue]

WHILE RETIREMENT CLAIM IS PENDING

If You Die

If you separate from service and die while your retirement claim is pending, a later determination that you were entitled to an immediate annuity establishes insurance coverage at the date of your death, unless you did not meet the requirements for continuing coverage into retirement.

Exception: If your insurance had terminated because of 12 months nonpay status, approval of your annuity application will restore your insurance coverage only if your annuity would have been effective no later than one month after the end of the 12-month nonpay status period.

If Your Insurance Terminates

If your insurance terminates while your retirement claim is pending, your employing office must notify you of the conversion privilege.

If your retirement application is approved later and you meet the requirements for continuing insurance as an annuitant, your insurance will be reinstated automatically. If you converted your coverage to an individual policy, you must ask the insurance company to void your policy and refund the premiums you already paid for the converted policy.

REEMPLOYED ANNUITANTS

Annuity Terminated by Reemployment

If you are reemployed under conditions that terminate your annuity, the life insurance you carried as an annuitant is also terminated. There is no right to convert. You can get life insurance as an employee, as long as you are not in an excluded position. Note:   An annuity that is suspended is not considered to be terminated.

Annuity Continued during Reemployment - General Information

Exclusions

The eligibility exclusions - and exceptions to those exclusions - that apply to employees also apply to reemployed annuitants.

Waivers

If you waived any or all life insurance during your prior employment, that waiver remains in effect, unless the break in service is at least 180 days. If the break in service is 180 days or over, you can elect more life insurance.

Annuity Continued during Reemployment - Basic Insurance

When you are reemployed in a position that does not exclude coverage, the Basic insurance you carried as an annuitant is suspended.

You automatically get Basic insurance just like any other employee. Withholdings are made from your pay, even if you are over age 65. In addition, even if you are over age 65 your life insurance coverage as an employee will not reduce. The post-65 reductions can only affect retirees. Your employing office make the Government contribution instead of the Office of Personnel Management.

The amount of your Basic insurance is based on your salary as an employee, before reduction of pay by the amount of your annuity. Accidental Death & Dismemberment is included.

Annuity Continued during Reemployment - Option A and Option C

When you have Option A and/or Option C as an annuitant and you are reemployed in a position that does not exclude coverage, the Option A and Option C insurance you carried as an annuitant is suspended.

You automatically get Option A and Option C insurance as an employee. There is no need to complete a new SF 2817 Life Insurance Election form. Withholdings are made from your pay, even if you are over age 65. In addition, even if you are over age 65 your life insurance coverage as an employee will not reduce. The post-65 reductions can only affect retirees.

The amount of Option A is $10,000. Accidental Death & Dismemberment is included.  Each multiple of Option C is $5,000 for a spouse and $2,500 for an eligible child.

If you do not have Option A or Option C as an annuitant, you can elect it if you have been separated from service for at least 180 days. If separated from service less than 180 days, then any waiver of life insurance done during your prior employment remains in effect.

Annuity Continued during Reemployment - Option B

Option B is handled differently from Basic, Option A, and Option C.

When you have Option B as an annuitant and are reemployed in a position that does not exclude coverage, you must be given the opportunity within 31 days of reemployment to choose whether to keep Option B as an annuitant or have it as an employee.

If you wish to keep it as an annuitant, you don't have to take any action. Withholdings will continue to be made from your annuity (unless you are over age 65 and have elected Full Reduction).

If you want to have Option B as an employee, you must complete a Life Insurance Election form (SF 2817) within 31 days after reemployment. You must include all the insurance you want, not just Option B. The amount of Option B coverage will be based on your salary as an employee before reduction of pay by the amount of your annuity. Withholdings will be made from your pay.

If you don't have Option B as an annuitant, you can elect it as an employee if you have been separated from service for at least 180 days. If separated from service less than 180 days, then any waiver of life insurance done during your prior employment remains in effect. If you have fewer than 5 multiples of Option B as an annuitant and elect to have it as an employee, you can increase the number of multiples, unless your break in service is less than 180 days.

Notifying the Retirement System of Your Reemployment

Your employing office must notify the applicable retirement system immediately upon your reemployment, so your retirement system can immediately suspend any insurance withholdings from your annuity.

The form to use for this notification is OPM Form 1482 (Agency Certification of Status of Reemployed Annuitants). This form is used for CSRS, FERS, and, unless notified otherwise, the other retirement systems listed in "Qualifying Retirement Systems".

If you retired under the System for Police and Firemen of the District of Columbia, the appropriate office to notify is the Retirement Division, Office of Pay and Retirement, Room 200, 410 E Street, NW, Washington, DC 20001.

Effect of a New Waiver

Basic Insurance

If you file a waiver of Basic insurance as a reemployed annuitant, you also cancel the suspended Basic insurance and all Optional insurance you had as an annuitant. You cannot get it back when you leave employment.

Option A and Option C

If you file a waiver of Option A or Option C as a reemployed annuitant, you also cancel the suspended Option A or Option C insurance you had as annuitant. You cannot get it back when you leave employment.

Option B

If you elect to have Option B as an employee you can later file a waiver to "cancel" the Option B coverage. This does not cancel the suspended Option B insurance you had as an annuitant. Instead, it restores it.

To waive your Option B coverage held as an employee, you should complete a Life Insurance Election form (SF 2817). Your employing office should note in the "Remarks" section: "Reemployed Annuitant; Retirement Claim Number __________; Option B coverage held as an employee cancelled. Reinstate suspended Option B coverage held as an annuitant."

Your employing office must notify your retirement system, so that it can start making the withholdings again from your annuity.

If you wish to cancel the suspended annuitant coverage, you must notify your retirement system in writing.

Notification of Retirement System

When you file a waiver as a reemployed annuitant, your employing office must enter the words "Reemployed Annuitant" and your retirement claim number on the Life Insurance Election form (SF 2817).

Your employing office should process the SF 2817 in the usual way, and send a photocopy of the SF 2817 to your retirement system with a short transmittal letter noting the action you took.

If You Are In Nonpay Status While Reemployed

If you complete 12 months of nonpay status while reemployed, your suspended annuitant coverage will become effective again. Any coverage you had newly elected as an employee will terminate (you can convert this coverage to an individual contract).

Your employing office must notify your retirement system that your employee-held coverage has terminated, so the retirement system can reinstate the coverage you held as an annuitant and begin withholding premiums from your annuity. If you return to pay and duty status, your employing office must notify your retirement system to suspend the annuitant coverage again.

Filing a Designation of Beneficiary, Assignment Form, or Court Order during Reemployment

When you file a Designation of Beneficiary, assignment form, or court order as a reemployed annuitant, you should submit it to the Office of Personnel Management, Retirement Operations Center, P.O. Box 45, Boyers, PA 16017-0045. If you have insurance coverage through your reemployment (premiums are withheld from your pay, not your annuity), you may also file your Designation with your employing office. Your employing office must enter the words "Reemployed Annuitant" and your retirement claim number on the form and send it to OPM. 

If You Die during Reemployment

Basic Insurance

The amount of benefits payable will be the higher of the amount suspended as an annuitant, less any post-65 reductions, or the amount carried during reemployment. To ensure that the proper amount is paid, it is important that your employing office note that you were a reemployed annuitant when it files the Agency Certification of Insurance Status (SF 2821) with OPM (see "Claims for Benefits").

Option A

The amount of benefits payable will be the amount carried during reemployment.

Option B

The amount of benefits payable will be whichever coverage you elected to have - either the amount carried as an annuitant or the amount elected in reemployment - regardless of which amount is higher.

Claims for Benefits

Claims for death benefits must be filed through the Office of Personnel Management, not directly with the Office of Federal Employees' Group Life Insurance (OFEGLI).

The Agency Certification of Insurance Status (SF 2821) must show your annual pay for insurance purposes, before it is reduced by the amount of your annuity. Your employing office must enter the words "Reemployed Annuitant" and your retirement claim number under your name. The SF 2821 must be sent the Retirement Operations Center, P.O. Box 45, Boyers, PA 16017-0045, not to OFEGLI.

Claims for accidental dismemberment benefits must be sent directly to the Office of Federal Employees' Group Life Insurance (OFEGLI) at P. O. Box 2627, Jersey City, NJ 07303-2627.

If a Covered Family Member Dies while You are Reemployed

Option C benefits will be payable if you had Option C as an annuitant and didn't cancel it during reemployment or you elected it during reemployment.

When You Separate - No Supplemental Annuity or New Retirement Eligibility

If you separate from service and are not eligible for a supplemental annuity or new retirement, your reemployment-acquired insurance terminates on the date your reemployment terminates, subject to the 31-day extension of coverage and conversion privilege.

If you have life insurance that was suspended as an annuitant, that coverage, less any post-65 reductions, will be reinstated. Your employing office must notify the retirement system by fax at (724)794-1263, Attention: Life Insurance, so that it can reinstate the suspended insurance and begin applicable withholdings and contributions.

When You Separate with a Supplemental Annuity or New Retirement Eligibility

If you are separating from service and eligible for a supplemental annuity or new retirement, you can continue the reemployment-acquired life insurance if you meet the eligibility requirements.

Your employing office must complete an Agency Certification of Insurance Status (SF 2821), the same as with any other retirement. The words "Reemployed Annuitant" and your retirement claim number should be entered under your name.

If You are Separating and are Eligible to Continue Reemployment - Acquired Life Insurance

Basic Insurance

Your retirement system will notify you of the amount of Basic insurance suspended as an annuitant, less any post-65 reductions, and the amount of Basic insurance you had through reemployment. You must choose between the two amounts. If you choose the reemployment-acquired insurance coverage, you must make a new post-65 reduction election on the Continuation of Life Insurance Coverage form (SF 2818).

If you originally separated before January 1, 1990, and elected 75% Reduction, you must pay premiums until age 65 if you elect to continue the reemployment-acquired Basic insurance. If you elect to reinstate the suspended "annuitant" insurance, you will not have to make any premium payments, even if you are under age 65.

Option A

The Option A acquired through reemployment will be continued automatically.

Option B

If you kept Option B as an annuitant, there is no choice to be made. If you elected Option B as an employee, the retirement system must give you a choice between the suspended coverage, less any post-65 reductions, or the reemployment-acquired coverage.

Option C

The Option C acquired through reemployment will be continued automatically.

Note: You do not have to choose all of the suspended insurance or all of the reemployment-acquired insurance. You may "pick and choose" among the different types of insurance.

PROCEDURES FOR COMPENSATIONERS

Continued Coverage as an Employee

If you are receiving compensation, you remain insured as an employee until your coverage terminates because of separation or completion of 12 months nonpay status.

During this time, the Office of Workers' Compensation Programs makes withholdings for Basic and Optional insurance from your compensation.

Being insured as an employee, rather than as a compensationer, means:

  • Basic and Option A coverage includes Accidental Death &  Dismemberment,
  • there are no reductions in the amount of insurance in force if you are over age 65, and
  • you submit Designations of Beneficiary, changes in designations, assignments, and court orders directing payment of FEGLI benefits to your employing office instead of to OPM.

Notification to The Office of Workers' Compensation Programs

When you go on leave without pay to receive compensation, your employing office must notify the Office of Workers' Compensation Programs of the type and amount of life insurance you have, so the Office of Workers' Compensation Programs can make the correct withholdings. The form to use for this purpose is OWCP Form CA-7. In the Remarks portion of the CA-7, your employing office gives your date of birth and the beginning and ending dates of the pay period in which pay stopped.

Whenever your Basic pay changes during the first 12 months, your employing office must notify the Office of Workers' Compensation Programs, so the withholdings for Basic and Option B can be adjusted, if necessary.

When the Office of Workers' Compensation Programs Withholdings Begin

The Office of Workers' Compensation Programs starts to make withholdings from the first day of the pay period following the one in which pay stops. Exception: The Office of Workers' Compensation Programs doesn't make any withholdings if you receive compensation for fewer than 29 days.

When Insurance as an Employee Terminates

When you separate or complete 12 months nonpay status, whichever comes first, your employing office must complete the Notice of Conversion Privilege (SF 2819) and the Agency Certification of Insurance Status (SF 2821).

You may continue your FEGLI coverage as a compensationer if you meet the 5-year/ all-opportunity requirement as of the date you start receiving compensation. You may continue Basic and any optional insurance if you meet ALL of the following requirements:

  • on the day Basic insurance would otherwise terminate you are still receiving compensation, and the Department of Labor has determined that you are unable to return to duty;
  • you have been insured for the 5 years of service immediately before the date compensation 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. (If it is not determined that you are eligible to continue FEGLI coverage as a compensationer until after you have converted, your FEGLI enrollment can be reinstated. The conversion policy must be voided, and the premiums already paid on the policy will be refunded to you.)

Continuing FEGLI Coverage as a Compensationer

If You are Clearly Eligible to Continue FEGLI Coverage as a Compensationer

Your employing agency will issue a SF 2819 (Notice of Conversion Privilege) and a SF 2821 (Agency Certification of Insurance

Status) at the end of 12 months in a nonpay status or separation, whichever happens first. Your employing office must enter your compensation claim number on the SF 2821. You will need to complete the Continuation of Life Insurance Coverage form SF 2818 making a post-65 reduction election for Basic, Option B and Option C. Your employing office will send the SF 2818, SF 2819, and SF 2821, along with any Designations of Beneficiary, assignments, court orders directing payment of FEGLI benefits, and all previous life insurance elections, to the OPM, Retirement Operations Center.

OPM will verify your compensation status and inability to return to duty with the Office of Workers' Compensation Programs and will inform you whether you are eligible to continue coverage.

If you are eligible to continue coverage, OPM's Retirement Operations Center will maintain your life insurance file. You will be given a CSI file number and a letter explaining the value of your life insurance.

If you want to convert any or all of your life insurance, your employing office should follow the same procedures as for annuitants.

If it is NOT Clear Whether You Can Continue FEGLI Coverage as a Compensationer

Your employing agency should follow the same procedures as above. The Retirement Operations Center will review your life insurance records and make a determination if you are eligible.

If You Are NOT Eligible to Continue FEGLI Coverage as a Compensationer

If your agency determines that you do not meet the 5-year/all-opportunity requirement for any of your FEGLI coverage, they must notify OWCP.

Your FEGLI coverage continues for the first 12 months in nonpay or separation, if that happens first. To notify OWCP, your agency completes a "Notice of Life Insurance Ineligibility". This notice is sent to OWCP at the same time the CA-7 is sent. OWCP will flag its system to stop the withholdings at the end of 12 months. If you separate from your agency before the end of 12 months in nonpay, your agency must notify OWCP so they can stop the withholdings at separation.

A copy of the "Notice of Life Insurance Ineligibility" is also sent to you. This notifies you that your FEGLI coverage will terminate upon separation or completion of 12 months in nonpay and that you have a right to convert the coverage.

NOTICE OF LIFE INSURANCE INELIGIBILITY

  

Employee's Name

  

Employee's Social Security Number

The Federal Employees' Group Life Insurance (FEGLI) law states that a person who is receiving workers' compensation may continue his/her life insurance if the person had the coverage for the 5 years of service immediately before he/she started receiving compensation (or for the entire time the coverage was available, if that's less than 5 years).

You do not meet this 5-year/all-opportunity requirement. Your compensation started _______________. Your life insurance coverage was effective as follows:

Type of Coverage

Effective Date of Coverage

Basic Insurance

  

Option A

 

Option B

 

Option C

 

You are therefore not eligible to continue your FEGLI as a compensationer. Your coverage, however, will not stop right away. You may keep your coverage for 12 months, while you are in a nonpay status. The Office of Workers' Compensation Programs will withhold your premiums from your compensation.

At the end of 12 months in nonpay, your coverage terminates. You have the right to convert to a private individual policy. Your agency will send you the forms you need to convert your coverage (SF 2819 - Notice of Conversion Privilege and SF 2821 - Agency Certification of Insurance Status).

If you separate from service before you complete 12 months in nonpay, your life insurance terminates at that time, and your agency must send you the forms necessary for conversion.

If you do not get these forms from your agency, contact your human resources office to request them.

Cancelling or Reducing Insurance

If you want to cancel or reduce insurance while you are insured as a compensationer (no longer insured as an employee), you must notify OPM so that withholdings can be stopped. Submit a letter to OPM, Retirement Operations Center, P.O. Box 45, Attn: Life Insurance, Boyers, PA 16017-0045. Any cancellation or reduction of life insurance coverage must be in writing and have an original signature by the insured compensationer. You need to specify what action you want taken concerning your life insurance coverage. Be sure to include your name, date of birth, social security number and CSI number. You should also include a daytime phone number so you can be reached if there are any questions on your request.

Please note you cannot increase your coverage after retirement, or reinstate any coverage that you cancel. OPM determines the effective date of the change, notifies the Office of Workers' Compensation Programs of the change to withholding and sends you verification of the new level of insurance.

If you are still insured as an employee, you must submit the SF 2817 to your employing office.

Designation of Beneficiary Forms

If you are still insured as an employee, you must submit the Life Insurance Designation of Beneficiary form SF 2823 to your employing office.

If you are insured as a compensationer, you must submit the Life Insurance Designation of Beneficiary form SF 2823 to OPM. The completed form should be sent to OPM, Retirement Operations Center, P.O. Box 45, Boyers, PA 16017-0045.

If You Return to Duty

When you have been receiving compensation and return to duty, your employing office must complete OWCP Form CA-7 to notify the Office of Workers' Compensation Programs. In the Remarks portion, your employing office must show the beginning and ending dates of the pay period in which you returned to duty. If a CSI file has been established by the OPM Retirement Operations Center (ROC), your agency should notify the ROC that you are back to work. The ROC will send the original life insurance forms back to your agency.

The Office of Workers' Compensation Programs will certify your insurance status back to your employing office as "Insurance deductions made through [date]" or "Employee cancelled [type] insurance [date]."

Until your employing office receives the CA-7 back from The Office of Workers' Compensation Programs, it should ask you about your insurance status the same as it would for an employee transferring from another agency.

If You Die as a Compensationer

If you were insured due to receipt of Federal Workers' Compensation benefits at the time of your death, your claimant(s) should provide notification of your death to The Office Personnel Management at 1-88USOPMRET (1-888-767-6738) or 202-606-0500 within the Washington D.C. metropolitan area. OPM will provide each claimant with a Claim for Death Benefits (Form FE-6). Each claimant must submit a separate claim form to the Office of Federal Employees' Group Life Insurance (OFEGLI) at P. O. Box 2627, Jersey City, NJ 07303-2627.

Your claimant(s) should not send the claim form to OPM. The claim(s) will be adjudicated upon OFEGLI's receipt of insurance certification from OPM's Retirement Operations Center.

TERMINATION AND REINSTATEMENT

Termination - Annuitants

Your insurance ends on the day your entitlement to an annuity terminates. There is no 31-day extension of coverage or right to convert.

Exception: If you are a disability annuitant and your annuity is terminated because you are found to be recovered or restored to earning capacity, you can keep FEGLI if you are entitled to and apply for an immediate annuity under another provision of retirement law. (If you are eligible only for a deferred annuity, FEGLI terminates when your disability annuity terminates.)

Reinstatement - Annuitants

If you are a disability annuitant, you can have FEGLI reinstated if you meet the following conditions:

  • Your disability annuity was terminated because of a recovery from the disability or restoration to earning capacity and

  • Your disability annuity is restored after December 31, 1983.

If you meet these requirements you can get back any FEGLI coverage you had immediately before your annuity was terminated.

Termination - Compensationers

Your life insurance terminates when compensation stops or when the Office of Workers' Compensation Programs finds that you are able to "return to duty". "Return to duty" means "return to the duty or occupation or work which the employee was doing at the time of injury." There is no 31-day extension of coverage or right to convert once your insurance terminates.

Exceptions: Your life insurance will continue if you become an annuitant and are eligible to continue life insurance as an annuitant, or if you return to work in a non-excluded position.

If you are a compensationer who is found able to work part-time or to perform light duty and you continue to receive a reduced level of compensation, you do not lose your FEGLI coverage. If you return to Federal service, your insurance as a compensationer stops and you become insured as an employee. If you do not return to Federal service, your life insurance continues as a compensationer.

Reinstatement - Compensationers

There is no reinstatement of life insurance for a compensationer (unless you successfully appeal the termination of your compensation) . However, if you return to duty or become reemployed in a nonexcluded position, you can get FEGLI again.

Handbook Contents
 
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