Health and Life Insurance

The Federal Employee Health Benefits (FEHB) is the largest employer sponsored group health insurance program in the world covering over 8 million Federal employees, retirees, former employees, family members, and former spouses. FEHB coverage is available to most employees, retirees, dependents, and survivors. Coverage is guaranteed; the plan cannot deny or cancel coverage for medical reasons and there is no waiting period for eligibility, medical examination or exclusion due to a medical condition. Providing for health insurance for both spouses after divorce, as well as for their children, is a critical issue, especially when a spouse is financially dependent, unemployed, employed without benefits, self-employed, retired, or employed part time. The book discusses issues relating to indefinite spouse equity coverage, temporary continuation coverage, and continuation of health insurance for children of the marriage following a divorce. 

Federal Employee Group Life Insurance (FEGLI) is group term life insurance.  It has no cash value and no loans can be taken out against it. OPM currently has a contract with Metropolitan Life Insurance Company (MetLife) to provide this insurance, and the office that administers these claims is Office of Federal Employees’ Group Life Insurance (OFEGLI). The book covers beneficiary designations, assignment of life insurance, and court orders to maintain life insurance.