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Regardless of your age when you retire, the retiree life benefits under FEGLI don’t start until you reach age 65. Retiree life options under FEGLI allow for employees to gradually reduce their insurance while discontinuing their premiums. If you retire from federal service prior to age 65, you will continue to pay your FEGLI premiums at the same rates as an active employee.
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Who is eligible to enroll?
All active federal employees and federal contractors* working at least 20 hours per week are eligible except for postal workers.  Postal workers (USPS employees) are an excluded class under the program and are not eligible to enroll.

*In order to be eligible for enrollment, federal contractors must receive compensation directly from their contracting agency.