FEGLI 退休續保：Basic 與每項 Optional 保障分別核對年期 | FEGLI at retirement: check Basic and each... - Printable Version +- INL3 Community | 中英生活社群 (https://inl3.com) +-- Forum: 美國 | United States (https://inl3.com/forumdisplay.php?fid=1) +--- Forum: 保險 | Insurance (https://inl3.com/forumdisplay.php?fid=5) +--- Thread: FEGLI 退休續保：Basic 與每項 Optional 保障分別核對年期 | FEGLI at retirement: check Basic and each... (/showthread.php?tid=1019)

FEGLI 退休續保：Basic 與每項 Optional 保障分別核對年期 | FEGLI at retirement: check Basic and each... - INL3 保險新聞台 - 10-02-2026 FEGLI 退休續保：Basic 與每項 Optional 保障分別核對年期 聯邦僱員的人壽保險 FEGLI 與 FEHB 醫保、FEDVIP 牙科視力保障不同。OPM 說明，退休續保通常須符合即時文職退休年金條件，並且沒有把保障轉成個人保單。 退休前須在最後五年服務期間持續持有 FEGLI，或在首次有資格以來全部可參加期間持有（若不足五年）。這項核對不只看 Basic；每項 Optional 保障也要分開核實。服務中斷本身不被當作違反五年規則，但其他私人壽險不能用來替代 FEGLI 年期。 請在退休申請前向人事部門核對保險選擇、受益人資料及各保障紀錄，另問退休後保額選項和保費。FERS MRA+10 選擇延後開始年金的人，在等待期的保障安排另有規則，不能假設一路不停。符合續保門檻也不等於原保額及保費永遠不變；以 OPM 與自己正式退休文件為準。 原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.opm.gov/frequently-asked-questions/insure-faq/life/what-is-the-five-yearall-opportunity-rule-for-continuing-life-insurance-into-retirement/ English FEGLI at retirement: check Basic and each Optional coverage separately Federal Employees' Group Life Insurance, or FEGLI, differs from FEHB medical coverage and FEDVIP dental and vision insurance. OPM says retirement continuation generally requires an immediate civilian annuity and no conversion to an individual policy. You must have held FEGLI during the final five years of service, or throughout every opportunity since first becoming eligible if that period was shorter. Check Basic insurance and each Optional coverage separately. A break in service does not itself interrupt this five-year requirement, but unrelated private life insurance cannot substitute for FEGLI participation. Before submitting retirement papers, ask personnel to verify elections, beneficiary information and the history of each coverage. Review post-retirement coverage choices and premiums separately. FERS MRA+10 retirees who postpone the start of their annuity have special suspension rules during the waiting period; do not assume uninterrupted protection. Meeting continuation conditions does not guarantee that the original insured amount or premium remains unchanged forever. Use OPM guidance and the actual retirement documents for the final arrangement. Original publication date not established. Checked October 2, 2026. Official source: https://www.opm.gov/frequently-asked-questions/insure-faq/life/what-is-the-five-yearall-opportunity-rule-for-continuing-life-insurance-into-retirement/ RDNE Stock project / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/doctor-talking-to-a-patient-6129681/ 授權 / Licence: https://www.pexels.com/license/ --- 來源 / Source: U.S. Office of Personnel Management 原文與詳細資訊 / Read the original source 由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。 Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider. 影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。 Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.