Conversion is the privilege given to a federal employee, retiree, or a family member of a federal employee where there is a termination from federal service or death. The eligible person may convert all or a portion of their insurance to an individual policy with a private insurance carrier. There is no medical examination required and issuance of coverage is guaranteed.

Option C – Family Life Insurance is a FEGLI coverage on your life and the lives of the dependent children under the age of 22. The Option C overage expires at the time of passing of a federal employee, however there is an extension period of 31 days, that covers the lives of the surviving spouse and eligible children.

Converting FEGLI Option C means to purchase an individual Whole Life Insurance policy in the amount no greater than the amount shown on the RI76-15 form (for retired Federal Employees). For surviving spouses of active Federal Employees who passed away, the amount of insurance will be determined by OFEGLI.

There is no cash value to Option C coverage, so it can’t be cashed out, the only 2 options are to let it lapse, or to convert it.

There is no cash value to Option C coverage, so it can’t be cashed out, the only 2 options are to let it lapse, or to convert it.

The form titled “You May Convert Option C – Family Life Insurance” also known as RI76-15, is a form issued by OPM to the surviving family members of the deceased Federal Employee who elected Option C-Family Life Insurance as one of their FEGLI coverage options. The form indicates the amount of coverage that you may be eligible to purchase as a life insurance policy for your own life. If you are interested in purchasing or converting (these terms are interchangeable) Option C, please fill in the back page of the RI76-15 and mail it to OFEGLI at 200 Park Avenue, New York NY 10166-0188 within 31 days of the date of RI76-15 form receipt. PLEASE DO NOT MAIL THIS FORM TO OPM.

The rates for the new policy are provided by the issuing insurer, and OFEGLI is unable to provide the rates. Once you submit the SF2819 or the RI76-15 forms timely, OFEGLI will issue a Conversion Authorization letter that will include the phone numbers for MetLife and the New York Life Insurance Company, and these two companies will be then able to provide the applicable rates.

If your children are under the age of 22, or if they are 22 or older and disabled, then please fill in the back page of the RI76-15 (or Part C of the SF2819) and mail it to OFEGLI at 200 Park Avenue, New York NY 10166-0188 within 31 days of the date of RI76-15 (or the SF2819) form receipt. PLEASE DO NOT MAIL THIS FORM TO OPM.

Once you submit the RI76-15 or SF2819 forms timely, OFEGLI will issue a Conversion Authorization letter that will include the phone numbers for MetLife and the New York Life Insurance Company, and these two companies will be then able to provide the applicable rates. You will then be able to pick the insurance that best suits your needs.

You may be able to convert even though failed to submit the form titled “You May Convert Option C – Family Life Insurance” also known as RI76-15 timely. To convert you must send in the RI76-15 form along with an explanation indicating why you were unable to mail your documentation. If the explanation indicates that you could not mail in documents due to circumstances beyond your control, you should be able to convert, if documentation is received less than 6 months from the date of the policy holder’s passing.

You can convert your FEGLI, after you separate from federal employment. You will need the standard forms SF2819 (Notice of Conversion Privilege (2819)) and SF2821 (Agency Certification of Insurance Status (2821)). Both forms should be provided to you by your HR department. In case you do not receive the SF2819 timely from your HR department you can download the forms on the OPM website (Notice of Conversion Privilege (2819), Agency Certification of Insurance Status (2821)) and send it to OFEGLI for processing.

If you wish to convert FEGLI, you must send the completed forms SF2821 and SF2819 to OFEGLI within 31 days of receiving the SF2819. The SF2819 must be received by OFEGLI within 60 days from the date of separation stated on SF2821. If you did not receive any forms from your HR, you should contact them as soon as possible and ask that the forms be sent to you. If you are unsuccessful in obtaining the forms, please download the form located on the OPM website “Notice of Conversion Privilege (2819)”, fill in the Part C of the form and mail it to OFEGLI at FEGLI 200 Park Avenue, New York, NY 10166 as soon as possible.

If you carried all of your FEGLI insurance into retirement, there is nothing further for you to do, and OPM will handle your life insurance. You can ignore the forms provided by your HR since you carried all of your insurance into retirement.

If you were ineligible to carry some of your FEGLI coverages into retirement you may convert those coverages into an individual coverage. In order to do that you would have to submit your SF2821 and SF2819 to OFEGLI within 60 days from the date of your retirement, or within 31 days from the date of SF2819 issuance.

At the end of the 12-month non-pay status, your FEGLI coverage expires and then you have a 31-day extension of FEGLI coverage, after that time, your FEGLI coverage ends. To keep life insurance coverage, you can convert it, or you can look for another life insurance coverage in the open market. If you wish to convert FEGLI, you must send the completed forms SF2821 and SF2819 to OFEGLI within 31 days of receiving the SF2819. The SF2819 must be received by OFEGLI within 60 days from the date of separation stated on SF2821.