Civil Service

Retirement

System

Federal Employees’

Group Life

Insurance Program

Federal Employees

Health Benefits

Program 

Federal Employees

Retirement

System

Federal Long

Term Care

Insurance

Program 

United States 

Office of 

Personnel Management 

The Federal Government’s Human Resources Agency

Benefits Administration Letter 

Number: 11-309 Date: November, 2011 

Subject: Federal Employees’ Group Life Insurance (FEGLI) Program: 

Announcing New FEGLI Premiums

This Benefits Administration Letter (BAL) transmits new withholding rates for coverage under the 

Federal Employees’ Group Life Insurance (FEGLI) Program. The new rates are effective with the 

first day of the first pay period beginning on or after January 1, 2012. 

Background

The Office of Personnel Management (OPM) is announcing changes in premiums for certain 

Federal Employees’ Group Life Insurance (FEGLI) categories. These include changes to 

premiums for Option B (most age bands), Option C (all age bands), and Post-Retirement Basic 

Insurance. 

There will be no change in premiums for Basic Employee or Option A coverage. 

New Premiums

OPM has completed a study of funding and claims experience within the FEGLI Program. Based 

on this updated actuarial analysis of actual claims experience, OPM has determined that changes 

are required to Option B, Option C, and Post-Retirement Basic premiums.

Experience in all Option B age groups, other than the oldest groups (ages 75-79 and 80 and over), 

shows we should make a slight decrease in premiums. We are reducing premiums for the 

following age bands for Option B: Under 35, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64, 65-69, and 

70-74. The last premium change to Option B was implemented in 2005. 

We are also reducing Option C premiums for enrollees under age 45, and increasing premiums for 

age groups age 45 and over. We are decreasing premiums for the following age bands: Under 35, 

35-39, and 40-44. We are increasing premiums for the following age bands: 45-49, 50-54, 55-59, 

60-64, 65-69, 70-74, 75-79, and 80 and over. The last premium change to Option C was 

implemented in 2005. 
2

The extra premium for Post-Retirement Basic FEGLI will increase for those enrollees who elected

the 50% Reduction and No Reduction at retirement. The extra premium for the 

50% Reduction election for Basic insurance is $0.64 per $1,000 of coverage; and the extra 

premium for the No Reduction election for Basic insurance is $1.94 per $1,000 of coverage. The 

last premium change to Post-Retirement Basic FEGLI was implemented in 2003. 

Effective Date

The effective date for the new premiums is January 1, 2012. Payroll offices must

apply the new premiums the first pay period beginning on or after that date. 

UPDATED INFORMATION ON THE WEB

The FEGLI premium rates will be updated on the FEGLI web site (www.opm.gov/insure/life) in 

January 2012. 

We are also updating the FEGLI Handbook to reflect the new information. Until the updates are 

ready, employees should be informed of the changes by the agency (Attachment 1).

If you have any questions regarding this information, please send an email to finance@opm.gov or 

call us on (202) 606-0606. 

Emily Dean

Associate Chief Financial Officer

Financial Services

Attachment
Civil Service

Retirement

System

Federal Employees’

Group Life

Insurance Program

Federal Employees

Health Benefits

Program

Federal Employees

Retirement

System

Federal Long

Term Care

Insurance

Program

ATTACHMENT 

FEDERAL EMPLOYEES’ GROUP LIFE INSURANCE (FEGLI) PROGRAM: 

ANNOUNCING NEW FEGLI PREMIUMS 

There are no changes to premium rates for Option A or employee Basic insurance.

The new FEGLI premium rates for Option B, Option C and the Post-Retirement Basic Option are 

as follows:

Option B Premium per $1,000 of Insurance

Age Band Biweekly Monthly

Under 35 $0.02 $0.043

35–39 $0.03 $0.065

40–44 $0.05 $0.108

45–49 $0.08 $0.173

50–54 $0.13 $0.282

55–59 $0.23 $0.498

60–64 $0.52 $1.127

65-69 $0.62 $1.343

70-74 $1.14 $2.470

75-79 $1.80 $3.900

80 and over $2.40 $5.200

The premiums for compensationers who are paid every four weeks are two times the biweekly 

premium. 

Option C Premium per Multiple of Insurance

Age Band Biweekly Monthly

Under 35 $0.22 $0.48

35–39 $0.29 $0.63

40–44 $0.42 $0.91

45–49 $0.63 $1.37

50–54 $0.94 $2.04

55–59 $1.52 $3.29

60–64 $2.70 $5.85

65-69 $3.14 $6.80

70-74 $3.60 $7.80

75-79 $4.80 $10.40

80 and over $6.60 $14.30
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The premiums for compensationers who are paid every four weeks are two times the biweekly 

premium. 

Annuitant Basic Premium per $1,000 of Insurance

Election Monthly withholding for 

each $1,000 of your BIA 

before age 65 

Monthly withholding for 

each $1,000 of your BIA 

after age 65

75% Reduction $0.3250 No cost

50% Reduction $0.9650 $0.64

No Reduction $2.2650 $1.94

Compensationer Basic Premium per $1,000 of Insurance

Election Withholding every 4 weeks 

for each $1,000 of your BIA 

before age 65 

Withholding every 4 weeks 

for each $1,000 of your BIA 

after age 65

75% Reduction $0.30 No Cost

50% Reduction $0.89 $0.59

No Reduction $2.09 $1.79

These rates will be effective the first pay period beginning on or after January 1, 2012.