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FEGLI is Group Term Life Insurance coverage that builds no cash or loan value. New employees are automatically covered under the FEGLI program. New Employees receive Basic Insurance; however, within 31 days of appointment, new employees may elect optional coverage. Election of optional coverage or waiver of basic coverage may be made through EBIS electronically or via the SF-2817 form.
Employees who are on a temporary appointment NTE 1 year and employees who work an intermittent schedule are ineligible for coverage under FEGLI.
This is the basic coverage that is received by all eligible employees unless it is waived. The BIA is calculated based on the employee’s Annual Basic Pay. The Basic Pay is rounded to the next $1,000, and an additional $2,000 is added. For example, if you do not elect optional coverage or waive your basic coverage, and you are employed as a GS-11 Step 1 in the Washington, DC locality, the BIA will be as follows:
Basic Pay = $62,467 Round up to nearest thousand = $63,000 Add $2,000 = $65,000 = BIA
Option A – $10,000 in addition to the BIA Option B – Coverage up to 5 times employee’s salary Option C – Family coverage; $5,000 for spouse and/or $2,500 for each dependent child with a selection of up to 5 multiples for the spouse and/or child
The cost of optional coverage varies. To determine costs prior to election, utilize the FEGLI calculator found here - FEGLI Calculator.
Employees should fill out the SF-2823 form to designate beneficiaries. The total amount of designations must equal 100%. If this form is not on file, the order of precedence will be followed. Order of precedence is as follows:
Phone: 1-888-320-2917 (Option 4 for customer service representative) TTY Phone: 1-866-328-9889 Hours: Monday thru Friday 0730-1930 (Eastern Time)
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