Life insurance


Q. I have been enrolled in Federal Employees’ Group Life Insurance since 1983 and plan on retiring this year. In 2010, I added life insurance coverage for my spouse. Does the five-year rule apply for eligibility upon my retirement?

A. Yes. While you are already eligible to carry your own FEGLI coverage into retirement, the optional insurance you added for your spouse would end if you didn’t have that coverage for five years before you retired.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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