Basic Insurance

As a Federal employee, you automatically have Basic insurance, unless you waive it. Exception: some employees are excluded from life insurance coverage by law or regulation.

Optional Insurance

Optional insurance is not automatic; you must specifically elect it.

You can elect Optional insurance if:

• You have Basic insurance;
• You don't have a waiver of that type of Optional insurance still in effect (or a waiver of that number of Option B or Option C multiples still in effect); and
• Your periodic pay, after all other deductions, is enough to cover the full cost.