Conditions of Payment of
Insurance Benefits



The amounts of life insurance (excluding Accidental Death coverage) under Basic Life, Option A-Standard, Option B-Additional, and Option C-Family are payable in the event of your death (or the death of an eligible family member) if death occurs while insured, no matter how caused.



Payment of Benefits

Payment of Option C and Living Benefits claims will be
made to you directly by check.



Payment of death benefits to your beneficiary(ies) and dismemberment benefits to you will be made either by check or through a money market account. For payments of less than $7,500, the Office of Federal Employees'Group Life Insurance (OFEGLI) will make payment by check. For payments of $7,500 or more, OFEGLI will automatically open a money market account in the name of the payee(s) and will mail a checkbook to the payee(s). The payee(s) may close the account immediately or may write checks for any amount from $250 up to the entire balance in the account at any time. There is no charge for checks and the balance in the account earns interest from the day it is opened. At the time such a payment is made, OFEGLI will provide complete details about the account.



You cannot make any payment arrangements in advance
of your death.


Accidental Death and Dismemberment benefits are payable under Basic Life and Option A-Standard if you receive bodily injuries solely through violent, external, and accidental means (other than those noted under "Exceptions") and if, as a direct result of the bodily injuries, independently Qf all other causes, and within 90 days afterwards, you lose your life, limb, or eyesight. Loss of limb is defined as the loss of a hand or a foot by severance at or above the wrist joint or ankle joint, respectively. Loss of sight, either in one eye or both eyes, must be total and permanent.



Half the amount of such insurance is payable to you for the loss of one limb or sight of one eye under such circumstances, or the full amount for two or more such losses. The full amount of such insurance is payable in the case of loss of life. The Accidental Death benefit is paid in addition to any life insurance benefit payable and is an amount equal to the Basic Insurance Amount (not the Extra Benefit increased by an Age Multiplication Factor, if any) and the Option A-Standard amount, if you are also enrolled for this coverage.



For all such losses resulting from any one accident, no more than the full amount of accidental death and dismemberment insurance is payable.



Exceptions-Payment for accidental death or dismemberment will not be made if your death or loss is caused:

- wholly or partly, directly or indirectly, by disease or bodily or mental infirmity, or by medical or surgical treatment or diagnosis thereof, or

· wholly or partly, directly or indirectly, by ptomaine or by bacterial infection, other than septic infection of and through a visible wound sustained solely through violent, external and accidental means, or

· wholly or partly, directly or indirectly, by hernia, no mafter how or when sustained, or

· directly or indirectly by war (declared or undeclared), any act of war or any aggression by armed forces, against the United States, in which nuclear weapons are actually being used, or

· directly or indirectly by war (declared or undeclared), an@ act of war, armed aggression, or insurrection, in which you are, at the time bodily injuries are sustained, in actual combat, or

* by or as a result of intentional self-destruction or intentional self-inflicted injury, while sane or insane, or

* by or as a result of the self-administration of illegal or illegally obtained drugs.

Limitations-No action at law or in equity can be brought
to recover on Accidental Death and Dismemberment benefits prior to the expiration of 60 days after proof of claim has been filed in accordance with the requirements in this Booklet, nor can such action be brought at all unless brought within 2 years from the expiration of the time within which proof of claim is required.