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OPM.gov / Frequently Asked Questions / Retire FAQ / Pre-Retirement
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Pre-Retirement

Questions and answers

You can keep your basic life insurance in retirement if all of the following conditions are met:

  • You have coverage when you retire;
  • You have not converted coverage to an individual policy;
  • Your annuity begins within 30 days or, (However if you are retiring under the Minimum Retirement Age (MRA) plus 10 provision of the Federal Employees Retirement System (FERS) and you have postponed the commencing date of your annuity, health and life insurance coverage is suspended until your annuity begins) and,
  • You were insured for life insurance for the five years immediately preceding retirement or the full periods of service when coverage was available.

You can keep your optional life insurance in retirement if all of the following conditions are met:

  • You are eligible to continue your basic coverage; and,
  • You were covered by the optional life insurance for the five years immediately preceding retirement or the full periods of service when coverage was available, if less than five years.
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