FEGLI Death Benefits for Federal Life Insurance

Filing the Right FEGLI Death Benefits claim

For those who are the survivors and beneficiaries of insured FEGLI (federal employees group life insurance) participants, there is a process that must be followed for filing a FEGLI Death Benefits for federal life insurance.  Obtaining the correct FEGLI forms and understanding the correct process is as important and following the correct process and understanding how federal life insurance works.

FEGLI is the Federal Employees Group Life Insurance

In order to receive the FEGLI payment of a death benefit from a FEGLI, federal employee life insurance policy, the named FEGLI beneficiary or other individual must submit a FEGLI forms requesting to receive the claim. FEGLI beneficiaries must also provide written proof of the covered individual’s death, as well as the beneficiary’s right to the FEGLI benefit payment.

If the insured individual was still an active Federal employee at the time of his or her passing, then the person’s employing office will be able to supply a claim form to his or her survivors upon request. This office can also assist the individual’s survivors with submitting the claim notification to the Office of Federal Employees’ Group Life Insurance.

Receiving Payment of Fegli Death Benefits Under AD&D Coverage

For those who are seeking payment under Accidental Death & Dismemberment benefits coverage, the FEGLI death benefits may also be obtained from the same sources. Any accident that has resulted in the loss of life, limb, or eyesight is required to be reported within 20 days after the accident has occurred.

These claims are also required to include proof of the loss. This proof must be submitted no more than 90 days following the date of the loss. However, if it is not possible to do so within that time frame, benefits may still be paid if notice or proof is furnished as soon as is reasonably possible by the claimant.

In the claims filing process, the Office of Federal Employees’ Group Life Insurance does have the right to have an individual who is claiming benefits for loss of limb or eyesight examined by a physician. The Office also has the right to require an autopsy on an individual for AD&D death claims filed based upon accidental death.

FEGLI Death Benefits Payment Precedence

When the insured on a FEGLI (federal life insurance) policy passes away, by law, the Office of Federal Employees’ Group Life Insurance will pay out the life insurance policy’s death benefits in a specific order of precedence.

If the person who is insured by FEGLI had assigned the ownership of their federal life insurance, the Office of Federal Employees’ Group Life Insurance will pay out the benefits first to the named FEGLI beneficiary (or named FEGLI beneficiaries) that are designated by the assignees (if any). Next, if there are no such FEGLI beneficiaries, then any death benefit owed as result of the federal life insurance will be paid out to the assignee of the insured.

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