Unless you have assigned your insurance, you may cancel it at any time.

If you cancel your Basic life insurance, you are canceling all your Optional insurance as well. If you elected 50% or No Reduction for your Basic life insurance, you may cancel this additional coverage at any time. If you have Option A - Standard insurance, you may cancel it at any time. You may reduce (or cancel) the amount of your Option B - Additional and Option C - Family insurance at any time. To do so, please write to us telling OPM what you want to do.

If you have assigned your life insurance or have elected a living benefit, please call OPM to discuss any change you want to make in your coverage. Assignment and living benefits are situations that may prevent you from making changes.

Write to:

U.S. Office of Personnel Management
Retirement Operations Center
P.O. Box 45
Boyers, PA 16017-0045

Be sure to give OPM your civil service retirement claim number (CSA number) and specify what action you want taken. Generally, the reduction or cancellation is effective at the end of the month in which OPM receives your written request. You will not receive a refund of any premiums paid through the end of the month in which we receive your request. However, if you are canceling Option C insurance in its entirety, the cancellation is retroactive to the end of the month in which you no longer had an eligible family member. (When you look for your premiums to change, remember that the annuity payment you receive on the first business day of the month pays annuity and insurance premiums for the preceding month.)

Termination of Life Insurance

Your federal life insurance (FEGLI) will terminate if your entitlement to annuity benefits ends. For example, if you are a disability retiree under age 60 and you are found recovered or restored to earning capacity, your disability annuity and life insurance coverage will end. You do not have the 31-day extension of coverage and may not convert the life insurance to an individual policy.

If you are a disability retiree whose annuity terminated as described above, you will retain your life insurance coverage if you are entitled to and apply for an immediate discontinued-service annuity. You will receive complete information concerning your right to do so if your disability annuity terminates. Also, if you are under age 60 and your disability annuity is reinstated due to loss of earning capacity or a recurrence of the disability for which you retired, you will be given an opportunity to have your life insurance coverage reinstated. Only coverage of the type and up to the amount you had in effect at the time your disability annuity was terminated can be reinstated. If you are entitled only to a deferred annuity after your disability annuity terminates, you cannot retain your life insurance coverage as a retiree, and you cannot convert it to an individual policy. Under certain conditions, your annuity and life insurance coverage will terminate if you are reemployed in the federal service, as explained in the following discussion.

Reemployment in the Federal Service