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This page can be found on the web at the following url:
http://www.opm.gov/insure/lifeevents/le4b.asp

Insurance Programs

Life Events

I have a common law spouse.

Health  |  Dental or Vision  |  Life  |  Flexible Spending Accounts  |  Long Term Care
Health – Federal Employees Health Benefits (FEHB) Program

If you have a valid common law marriage (with a spouse of the opposite sex), your spouse is considered an eligible family member.

Dental or Vision – Federal Employees Dental and Vision Insurance Program (FEDVIP)

If you have a valid common law marriage (with a spouse of the opposite sex), your spouse is considered an eligible family member.

Life – Federal Employees' Group Life Insurance (FEGLI) Program

If the coverage is not assigned, and there is no court order or designation of beneficiary on file, the Office of Federal Employees Group Life Insurance (OFEGLI) will pay benefits based on the order of precedence. A common law spouse may be recognized based on the laws of the state in which the insured resided.

Flexible Spending Accounts – Federal Flexible Spending Account Program (FSAFEDS)

If your common law spouse is your legal spouse for tax purposes, expenses incurred by him/her can be eligible expenses under your FSAFEDS account.

Long Term Care – Federal Long Term Care Insurance Program (FLTCIP)

Your common law spouse is eligible to apply for FLTCIP coverage, provided your state of residence recognizes common law marriage.