Temporary Protection After
Insurance Coverage Stops



If your Basic Life and/or any of your optional coverage terminates for any reason other than waiver, declination, termination of eligibility for annuity/Workers'Compensation, or termination of the FEGLI contract, you continue to have life insurance protection (not accidental death and dismemberment) for 31 days thereafter. Accordingly, if you (or an eligible family member covered under Option C-Family) should die during this 31-day period, a benefit equal to the amount of your life insurance (excluding accidental death benefits) is payable, subject to proof in the usual manner. This death benefit is payable even if you have applied for, and paid your first premium for, an individual conversion (direct-pay) policy. However, if for some reason your agency neglects to provide you with a notice of your right to convert in a timely manner, this error would not serve to extend your 31 days of temporary coverage. Also, if you again become insured as an employee and die during this 31-day period, only the higher of the two death benefits will be payable. Furthermore, if an individual conversion (directpay) policy is issued before your death (or the death of an eligible family member) during the 31-day period, the FEGLI death benefit will be reduced by the amount of insurance for which the individual policy is issued, unless the individual policy is surrendered without claim to the insurance company which issued it.