We have a long-standing practice of denying accidental death and dismemberment benefits under the Federal Employees' Group Life Insurance (FEGLI) Program when the injury or death was caused by the insured driving while intoxicated. Although this has not previously been specifically mentioned in the accidental death and dismemberment exclusions, it is consistent with the exclusions for suicide, attempted suicide, the insured injuring him/her self on purpose, and injury or death caused by the insured's use of illegal or illegally obtained drugs.

We are now clarifying the accidental death and dismemberment exclusions to specify that these benefits will not be paid when the insured's death or loss is caused by the insured driving a vehicle while intoxicated, as defined by the laws of the jurisdiction where the insured was operating the vehicle.

We are adding this information to the FEGLI Handbook and the web version of the FEGLI booklets. We are also providing an addendum that you can insert into the printed version of the FEGLI booklet.

Abby L. Block, Chief Insurance Policy    and Information Division

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