Skip to page navigation

Official websites use .gov
A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS
A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

OPM.gov / Frequently Asked Questions / Insure FAQ / Life

Skip to main content

Life

Questions and answers

No. There are no waivers of the five year/all opportunity rule for continuing FEGLI life insurance coverage into retirement. There are no exceptions to the "no waiver" rule — it does not matter whether you retire on disability, accept a voluntary incentive payment, etc. The only way to continue coverage into retirement is to meet the five year/all opportunity rule. Yes, this is different from the health benefits program which does allow for waivers under certain circumstances.

For more information about retiring with FEGLI life insurance, see the FEGLI Handbook.

Control Panel

Life

Questions and answers

If I unexpectedly need to retire (disability or otherwise) and don't meet the five-year/all opportunity rule for continuing my FEGLI life insurance into retirement, can I receive a waiver from OPM?