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March 28, 2024

Federal Employee Retirement and Benefits News

Tag: FEGLI

FEGLI

FEGLI or the Federal Employee Group Life Insurance is a group life insurance policy that covers most of the federal employees.

Open Season: A Rare Time for FEGLI

FEGLI – A Rare Open Season

open seasonThere is a huge window of opportunity approaching, for the first time in 11 years the Office of Personnel Management (OPM) is permitting an open season for the Federal Employee’s Group Life Insurance (FEGLI) from September 1 to 30, 2016. In conjunction, the new 2016 premiums rates for FEGLI plans were also announced.

During the month-long open season, eligible federal employee can elect or increase their FEGLI life insurance through an online submission to their human resources office via the Employee Benefits Information System (EBIS).

“FEGLI open seasons are extremely rare, and the most recent open season was in 2004. This is great news” said Steve Beem, Human Resource Specialist assigned to the Fort Leonard Wood Civilian Personnel Advisory Center. Prior to 2004, there was an FEGLI open season in 1999.

The FEGLI program provides optional term life insurance for federal employees, with the option for the coverage to follow them into retirement. The basic form coverage is equal to the employee’s salary rounded up to the next $1,000 with an additional $2,000. Employees share the cost of being enrolled into the program. Employees pay two-thirds of the cost, with the exception of Postal Service employees, who relish in the Postal Service paying the full amount for its employees. Retirees are obligated to pay the entire cost.

Outside of the open season federal employees are only eligible to enroll or increase their FEGLI coverage in the instance of a life event, and retirees are not eligible to increase the coverage they carried over to retirement.

Underneath the newly adjusted 2016 premium rates, effective January 1, the following changes will be made to the FEGLI premium rates.

An employee with basic insurance coverage under the age of 65 is currently paying $2.27 per month, and will pay $2.46 next year; while a retiree over the age of 65 will pay an increased premium of $2.13 from its current $1.94. The premium increase for retirees is close to 10 percent.

Employees with the optional $10,000 add-on coverage will see a decrease in their premiums from 60 to 40 cents biweekly; with the exception of retirees, who will see no change to their current premium rate.

Also, employees who have elected for additional coverage in multiples of salary will experience a decrease in their premium rate, with the exception of enrollees 75 years of age and older.

Employees with family coverage up to the age of 35 will not experience a rate change. Employees ranging from ages 35 to 59 will enjoy a slight decrease in premium rates, while employees 60 to 69 maintain steady premium rates. Active employees 70 and older will pay a higher premium in 2016.

In the OPM notice, it was noted that “the legislative structure of the FEGLI Program assumes that we set premium rates for each age band independently of the other bands so that each age ban is financially self-supporting.”

However, federal employees need to be wary that the changes they make to their FEGLI benefits in September of 2016 will not become effective until the first full pay period of on or after October 1, 2017. OPM’s reason for the extensive delayed effective date is to minimize the risk that “less healthy individuals,” will use the rare occasion to increase their coverage.

The announcement of the uncommon open season and adjusted premium rates comes on the heels of the OPM announcing that premiums in the Federal Long Term Care Insurance Program had increased its premiums with no prior warning.

Historically, FEGLI open seasons are triggered by a change in the law or by trends in claims. “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…These changes reflect updated mortality and claims rates from actual program experience with each FEGLI category,” stated a notice from the OPM Office.

According the OPM, a meager 7 percent of federal employees are enrolled in the long-term care program while an impressive 82 percent are enrolled in the FEGLI program.

FEGLI was established August 29, 1954 and quickly became the largest group life insurance program in the world; the program provides coverage to more than four million federal employees and retirees, to include many of the employee’s family members.

Normally, new employees are automatically enrolled into the basic term life insurance program with an automatic debit from the employees’ paycheck; unless the employee waives the coverage. For employees to receive the additional coverage options, they must take action to elect them; employees are not automatically enrolled as they are for the basic coverage.

The Office of Federal Employees’ Group Life Insurance is a private entity that has a contract with the federal government. The Office processes and pays claims beneath the FEGLI program.

OTHER FEGLI RELATED ARTICLES:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

Reemployed Annuitants and FEGLI

FIRST PUBLISHED ON COMPAREFEGLI.COM

FEGLI For Reemployed Annuitants

annuitantsSo you decided to hang up your federal employment boots and enjoy retirement benefits such as FEGLI for annuitants. But then you get lured back into the federal workforce, whether by want or need or the call of duty. Whatever the reason, one of the things you have to sort out here will be about your life insurance coverage. READ MORE:

MORE FEGLI ARTICLES:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

 

Pending Retirement Claims and FEGLI

FIrst published on COMPAREFEGLI.COM

FEGLI and Pending Retirement Claims

pending retirement

So you’re eligible for FEGLI and your life insurance coverage will continue when you are an annuitant after federal separation. But there’s a twilight zone in between the two, when your reettirement claim is pending. What happens to your coverage if you die in this twilight zone or if your insurance gets terminated? The following links discuss your pending retirement in further detail. READ MORE…

OTHER FEGLI ARTICLES:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

FEGLI Eligibility For Your Spouse

First published on CompareFEGLI.com

FEGLI Eligibility For Your Spouse

fegli eligibilityFederal employees are themselves automatically enrolled into the FEGLI life insurance program, but their family members are not. You can elect to include coverage and FEGLI eligibility for your spouse and children through FEGLI Option C. The following links contain more information about FEGLI eligibility for your further reading. Remember to stay informed and utilize every resource at your disposal.  READ MORE…

MORE FEGLI ARTICLES:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

 

FEGLI Eligibility For Children

First published on CompareFEGLI.com

FEGLI Eligibility For Children

FEGLI eligibility is not as simple as it may seem. Federal employees are themselves automatically enrolled into the FEGLI life insurance program, but their family members are not. You can elect to include coverage for your spouse and children through FEGLI Option C. The following links have more information regarding FEGLI eligibility. Be sure to use every resource at your disposal.  READ MORE…

MORE FEGLI ARTICLES TO READ:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

 

FEGLI Eligibility: How to Request Reconsideration

First Published on CompareFEGLI.com

How to Request FEGLI Eligibility Reconsideration

Most federal and Postal Service employees are automatically enrolled into the Federal Employees Group Life Insurance (FEGLI) program when they are first hired. However, in the rare case that there is some confusion over your FEGLI eligibility for federal life insurance and you are not enrolled, it may be incumbent on you to request reconsideration. The following links contain more information about FEGLI eligibility. Be sure to use every resource at your disposal. READ MORE…

Other FEGLI Related Articles:

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

 

The Curious Case of FEGLI Incontestability

First published on COMPAREFEGLI.COM

The Curious Case of FEGLI Incontestability

benefitsIncontestability is where you get to keep erroneous coverage even though it is…well, erroneous. When it comes to FEGLI and federal benefits, incontestability is only possible in certain rare circumstances. READ MORE…

OTHER FEGLI RELATED ARTICLES:

Work With Local FEGLI Experts Through CompareFEGLI.com

What Factors Can Alter the Rate of FEGLI?

Using side-by-side Comparisons to Choose the Right Insurance Policy?

Easy to Understand FEGLI Calculator – Find the Right Insurance For You

What are Your FEGLI Options?

 

FEGLI Insurance Cancellation and Reversal of Cancellations

First published on CompareFegli.com

FEGLI Insurance Cancellation and Reversal of Cancellations

Insurance As a new federal employee, you are automatically enrolled into the Federal Employees Group Life Insurance (FEGLI) program. You can, of course, specifically provide a waiver that lets you cancel your enrollment.

But before you do so, it might be a good idea to understand the implications. READ MORE…

MORE FEGLI RELATED ARTICLES:

What are Your FEGLI Options?

FEGLI – How to Reduce the Costs of Your Life Insurance?

Do You Need to Compare FEGLI Insurance with Other Insurance Policies?

How (FEGLI) Federal Employees’ Group Life Insurance Program Works

How to Change Your Benefits Under the Federal Employees’ Group Life Insurance (FEGLI) Program

Why Compare FEGLI at Age 45

 

Erroneous FEGLI Coverage and Correction of Errors

First published on Comparefegli.com

Erroneous FEGLI Coverage and Correction of Errors

FEGLIIt doesn’t happen often, but in the rare instance that you get entangled into erroneous FEGLI coverage, it may be a good idea to know beforehand how to correct the error. READ MORE…

OTHER FEGLI RELATED ARTICLES:

FEGLI – How to Reduce the Costs of Your Life Insurance?

Do You Need to Compare FEGLI Insurance with Other Insurance Policies?

How (FEGLI) Federal Employees’ Group Life Insurance Program Works

How to Change Your Benefits Under the Federal Employees’ Group Life Insurance (FEGLI) Program

Why Compare FEGLI at Age 45

Rights of Insured and Assignee After FEGLI Assignment

First published on comparefegli.com

Rights of Insured and Assignee After FEGLI Assignment

FEGLIOne of the things you can do as after being enrolled into the Federal Employees Group Life Insurance (FEGLI) program is to make an assignment. The insured or assignee can make multiple assignments, with specified percentages or fractions of the insurance to go to each assignee.

Note that you cannot assign dollar amounts, and the fractions must add up to 1.0 or the percentages assigned must add up to 100 percent.

One of the aspects that many insureds who have made a FEGLI assignment neglect to find out is about what rights they retain after assignment, and what rights are transferred to the assignees.

Here’s a brief overview of how this works.  READ MORE…

 OTHER FEGLI RELATED ARTICLES:

Using side-by-side Comparisons to Choose the Right Insurance Policy?

Easy to Understand FEGLI Calculator – Find the Right Insurance For You

What are Your FEGLI Options?

FEGLI – How to Reduce the Costs of Your Life Insurance?

Do You Need to Compare FEGLI Insurance with Other Insurance Policies?

How (FEGLI) Federal Employees’ Group Life Insurance Program Works

Individual Responsibilities of FEGLI Enrollees

First published on CompareFEGLI.com

Individual Responsibilities of FEGLI Enrollees

When you join federal employment, you are automatically enrolled into the insurance (FEGLI) program. So you don’t really have anything much to do as far as shopping around to buy life insurance is concerned. READ MORE…

 

RELATED FEGLI ARTICLES:

What are Your FEGLI Options?

FEGLI – How to Reduce the Costs of Your Life Insurance?

Do You Need to Compare FEGLI Insurance with Other Insurance Policies?

How (FEGLI) Federal Employees’ Group Life Insurance Program Works

How to Change Your Benefits Under the Federal Employees’ Group Life Insurance (FEGLI) Program

Don’t Fall For FEGLI Discounts

First published on CompareFegli.com

Don’t Fall For FEGLI Discounts

Postal

and Postal Service workers enrolled in the Federal Employees’ Group Life Insurance (FEGLI) program to shop around for savings or look for other similar life insurance products that give them the same protection and cover at a lower price.

But while doing so, it’s important to know that you cannot get any FEGLI discounts from any other insurer, or buy any supplemental insurance products that will lower your FEGLI rates and premiums.

FEGLI Discounts are unavailable because premiums are calculated based on government-wide rates and factor in your age, salary and individual enrollment in FEGLI options. Read More…

 

Other related articles

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

FEGLI Verification of Life Insurance (VOLI)

First published on CompareFEGLI

FEGLI Verification of Life Insurance (VOLI)

FEGLI CoverageUnlike individual life insurance purchased from private insurers, enrollees in the Federal Employees Group Life Insurance (FEGLI) Program don’t get a bunch of documents or a file mailed to them in the post with all their policy details.

Federal employees often forget details about their FEGLI coverage and options. Annuitants, beneficiaries and compensationers may not even be aware of the coverage, or may have forgotten about it. This is where it’s helpful to be able to see and print a FEGLI Verification of Life Insurance (VOLI) for your records. READ MORE…

OTHER FEGLI ARTICLES

Work With Local FEGLI Experts Through CompareFEGLI.com

What Factors Can Alter the Rate of FEGLI?

Using side-by-side Comparisons to Choose the Right Insurance Policy?

Easy to Understand FEGLI Calculator – Find the Right Insurance For You

What are Your FEGLI Options?

FEGLI – How to Reduce the Costs of Your Life Insurance?

 

 

FEGLI Handbook and Booklet For Federal Employees

 First Published On CompareFEGLI

FEGLI Handbook and Booklet For Federal Employees

The FEGLI Handbook is probably the best resource for both OPM and agency insurance officers looking for information about the Federal Employees Group Life Insurance (FEGLI) Program.

The 248-page handbook starts with an introduction about what is FEGLI and provides a brief overview of all the aspects and options of the program.

You are then taken through a series of chapters about the responsibilities of the OPM, OFEGLI, the employing federal agency, and the insured federal employee.

For the record, Read More…

Related FEGLI Articles:

What are Your FEGLI Options?

FEGLI – How to Reduce the Costs of Your Life Insurance?

Do You Need to Compare FEGLI Insurance with Other Insurance Policies?

How (FEGLI) Federal Employees’ Group Life Insurance Program Works

How to Change Your Benefits Under the Federal Employees’ Group Life Insurance (FEGLI) Program

Why Compare FEGLI at Age 45

 

 

FEGLI Basic and Options Reductions After Federal Retirement

First Published on CompareFEGLI.com

 FEGLI BFederal Retirementasic and Options Reductions After Federal Retirement

One of the many things that kicks in with federal retirement is a reduction in your FEGLI life insurance coverage. It’s important that you understand how the Federal Employees’ Group Life Insurance (FEGLI) Program is designed to reduce the cover for retirees in a phased manner.

The reductions kick in at the start of the second month after your 65th birthday, or the beginning of the second month following the date of your retirement, whichever comes later.

You must choose what happens at this point. As far as FEGLI Basic life insurance is concerned, you have three options. The first option is a 75 percent reduction that reduces your cover amount by two percent each month until it hits 25 percent of your pre-retirement FEGLI Basic amount. At this point, your FEGLI Basic becomes free (no premiums) and will stay at this level until your death.

The second option is…..Read More

 

Related FEGLI Articles

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

 

When to Use the FEGLI Calculator

First published on CompareFEGLI.com

When to Use the FEGLI Calculator

Federal EmployeeYou won’t often be called upon to calculate your coverage amount and premium for your Federal Employees’ Group Life Insurance (FEGLI) life insurance.

There are three reasons why you might need to use the FEGLI calculator. The first time will be when you are hired as a federal employee, and then on the rare occasion that you get to modify your FEGLI coverage amounts and options.

For the record, this is only possible when there is a FEGLI Open Season, or when you are able to submit evidence of a qualifying life event (QLE) that makes you eligible to modified FEGLI coverage and options.

The third time you will need the FEGLI calculator is when you retire. FEGLI rates and coverage change quite a lot post-federal retirement, so you will need to know the changed premiums and reducing coverage amounts.

 How to Use the FEGLI Calculator…….. Read More

 

Other FEGLI Articles

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

FEGLI vs. Private Life Insurance

First Published on CompareFEGLI.com

FEGLI vs. Private Life Insurance

Life InsuranceThrift Savings Plan There’s really no question about whether it’s beneficial for new federal employees to stay in the Federal Employees’ Group Life Insurance (FEGLI) program which they are automatically enrolled into.  But it’s a good idea to know all your options, so perhaps you should take a look at the alternatives too.

In this case, the alternatives are private life insurance companies, so here’s a comparison of FEGLI vs. private life insurance.

FEGLI life insurance offers a lot of benefits, including automatic coverage for you and your family (if you opt for FEGLI Option C). The no-questions asked, guaranteed coverage is literally a life-saver for federal employees and their families if are older and/or have health issues and pre-existing diseases.

But in terms of price, private insurers are handily able to beat FEGLI premiums. Did you know ….. READ MORE

 

Other FEGLI Articles

What is FEGLI Option A, Option B and Option C?

Evaluating your life insurance policy by Todd Carmack

Converting FEGLI to Individual Life Insurance After Separation From Federal Service

Who Gets Your FEGLI Life Insurance Benefits When You Die?

FEGLI – Federal Life Insurance Living Benefits Guide

FEGLI – Making Plans Today If Tomorrow Never Comes

Federal Life InsuranceMaking preparations to care for your loved ones after you take your final breath is never an easy topic – but FEGLI or other Federal Life Insurance may be able to help make it a bit less frightening. But ensuring your family is able to sustain their standard of living after you’re gone is an essential conversation. However, choosing the correct life insurance can be an overwhelming task. Knowing the ins and outs of the Federal Employee Group Life Insurance (FEGLI) will help you chose the path best for you and your family.

Let’s start with the most obvious question, how much insurance do I need to protect my family for years to come? You many begin to think to of the life milestones that come with a hefty bill: paying for the funeral, college for your children, paying off the mortgage, miscellaneous debt and supplement income for your spouse to determine how much insurance you will need to protect your family.  If you have a young family, generally 10-12 times your salary will protect your family’s standard for living for many years to come.

While there are a number of different life insurance policies, the FEGLI utilizes the group term policy. A group term policy covers enrollees for a set amount, or a multiple of their salary, for as long as the employee is employed and pays the premium. FEGLI also does not require enrollees to take a medical examination or limit participation; making this an accessible option for individuals with existing health conditions, poor driving records or dangerous job positions.

Federal employees are automatically enrolled in the basic FEGLI plan, which will cover the federal employee’s salary with an additional $2,000; this is partially supplemented by the federal government. As for Postal workers, the United States Postal Service will supplement the coverage and also doubles the death benefit for employees under the age of 35 free of charge. On top of this, employee have the choice to pick “Option A,” which adds a lump sum of $10,000 to the policy, or “Option B,” which allows employees to a multiple of their salary to the policy, up to five times their annual income, and lastly “Option C,” which provides some protection for the employees spouse and dependents in multiple of $2,500 and $5,000. The FEGLI is also an attractive option for many employees due to its fixed rate; unless an employee has picked “Option B,” then the rate will gradually increase as each new age bracket is entered into.

While you and your family’s needs will change as time passes, there are only certain times that employees are allowed to increase or change their coverage. When an employee first in-processes into the system they can set up FEGLI, when an employee marries or has a child and during the employee open season. However, decreasing or eliminating your coverage can be done at any time.

FEGLI also offers options such as taking reduced amounts in retirement.  Employees that carry FEGLI coverage until retirement are eligible for the 75 percent reduction option. Meaning, employees will have a policy that has a face value of 25 percent of their ending Basic benefit plan. This will allow the employee to maintain coverage for the rest of their life, but not have to worry about the paying the premium after the age of 65. This can be useful in providing a benefit to cover final expenses at no cost to the federal employee retiree.  If you designated an assignee, the assignee has the right to change an employee’s election to the maximum 75 percent.

While FEGLI seems like a straight forward and accessible answer for many, there have been a few recent policy changes that enrollees need to be aware of. Federal employees who may be in unfortunate position to qualify for living benefits need to be aware that the new policies are not the same for active employees and retirees.

Both active and retired employee are deemed eligible to receive a lump-sum living benefit from FEGLI if they present a documented prognosis stating the employee is terminally ill and is not expected to live longer than nine months.

Active employees have the options to either receive a partial benefit in multiples of $1,000 or the total amount of their Basic policy in a lump-sum. If an employee retires, the amount of Basic Life insurance payable after the employee’s death is dependent on the Living Benefits an active employee received initially. Annuitants only have the option to receive a lump-sum benefit.

In contrast, retirees who elect to receive the Living Benefit will no longer be eligible for the Basic life insurance following their demise. Upon receiving the Living Benefit, the premium for the life insurance will no longer be charged to the retiree.

In all cases, active employees and retirees who receive living benefits will still have any optional life insurance available to them and their family.

Especially when a federal employee is just starting out FEGLI offers an affordable and accessible coverage for federal employees to obtain financial protection for themselves and their loved ones.  But it always a good idea, that as an employee ages, they begin to consider other Life Insurance options – outside the FEGLI system.   Compare your FEGLI coverage with outside companies – you might find a much less expensive plan.

 

 

FEGLI Related Articles

FEGLI – Federal Life Insurance Living Benefits Guide

First Published on CompareFEGLI.com

FEGLI

FEGLI Life Insurance Living Benefits Guide

One of the things you need to know about the Federal Employees Group Life Insurance (FEGLI) program is the availability of living benefits.

FEGLI offers a living benefit to federal employees and retirees who are terminally ill with a medical prognosis of less than nine months in life expectancy.

If you happen to be in this unfortunate situation, you should know that there are different rules on how you can claim FEGLI living benefits, depending on whether you are still a federal employee or annuitant already in retirement.

For starters, you should know that the Living Benefit is equal to your FEGLI Basic insurance coverage. Current federal employees can choose between    READ More….

SCOTUS Ruling Clarifies FEGLI Designation of Beneficiaries

First Published On CompareFEGLI.com

Supreme Court Ruling Clarifies FEGLI Designation of Beneficiary Issues

A recent U.S. Supreme Court ruling has provided some clarity about Federal Employees Group Life Insurance (FEGLI) designation of beneficiary issues.

The case in question (Hillman v. Maretta; case No. 11-1221) was about a dispute over a deceased federal employee’s FEGLI proceeds. Both his ex-wife and his wife at the time of his death laidTSP claim to .

The problem was that a Virginia statute revokes a beneficiary designation in any contract that provides a death benefit to a former spouse where there has been a change in the decedent’s marital status.

But at the time of his death, Warren Hillman’s beneficiary of his FEGLI life insurance policy was still his ex-wife Judy, now Judy Maretta.

It seems that after their divorce, Hillman had neglected change his named FEGLI beneficiary to his new wife Jacqueline Hillman. So the FEGLI life insurance benefits should have gone to ex-wife Judy as per federal law, but Virginia law automatically transfers the benefits to his wife Jacqueline.

After Hillman’s death, Judy Maretta filed a claim seeking the FEGLI life insurance benefits and successfully collected said benefits. Jacqueline Hillman then filed suit in a Virginia state court, seeking recovery of the proceeds.

Hillman v. Maretta Case About FEGLI Designation of Beneficiary

The legal arguments and constitutional questions raised by the case ended up pitting Virginia state law against the Federal Employees Group Life Insurance Act (FEGLI Act) of 1954.

The Virginia Circuit Court found Maretta liable to Hillman, and the appeal ended up in the State Supreme Court which reversed the verdict and upheld FEGLI Act over Virginia state law. The U.S. Supreme Court has now endorsed this ruling, so Section D of Virginia state law stands preempted by FEGLI Act.

This verdict is about FEGLI life insurance proceeds, but it will now serve as a reference for just about any type of case where state and federal law are in conflict over federal employee benefits and designation of beneficiaries.

More FEGLI Articles

 

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