FEGLI Program Booklet For U.S. Postal Service Employees

General Information

OPTION C Family

You may elect Option C—Family to insure your spouse and your eligible dependent children. When you elect Option C, all of your eligible family members are automatically covered. You may elect either one, two, three, four, or five multiples of coverage. Each multiple is equal to $5,000 for your spouse and $2,500 for each of your eligible dependent children.

For example, if you elect three multiples, that means that if your spouse dies, you would receive $15,000 (3 times $5,000). If one of your eligible dependent children dies, you would receive $7,500 (3 times $2,500).

Each multiple is a unit. For example, if you elect two multiples, that means you have two multiples on your spouse and two multiples on your eligible dependent children. You cannot elect a number of multiples for your spouse that is different from the number of multiples for your eligible dependent children.

To be eligible, dependent children must be unmarried and under age 22, or if age 22 or over, incapable of self-support because of a mental or physical disability that existed before the child reached age 22. Eligible dependent children include your natural children, adopted children, stepchildren (if they live with you in a regular parent-child relationship), recognized natural children, and foster children (if they live with you in a regular parent-child relationship). Grandchildren are not covered unless they qualify as foster children. Stillborn children are not covered.

If you have any questions about eligible family members, please consult your local personnel office. That office is responsible for determining eligibility.

Option C benefits are paid to you; you cannot designate a beneficiary.

* These are the rates through 2005. They may change in future years. For more information, see the FEGLI website at www.opm.gov/insure/life.

** For insurance withholding purposes, we assume you reach these ages on the first day of the pay period that starts after your birthday.

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