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Claims for benefits are adjudicated and paid by the Office of Federal Employees' Group Life Insurance (OFEGLI). The Civilian Benefits Center provides counseling and helps survivors file claims for benefits.


  1. The next of kin or employing activity will contact the Benefits Line to report the death of an active Federal employee.
  2. The Civilian Benefits Center will assign a benefits specialist to assist the beneficiaries.
  3. The benefits specialist will provide the beneficiary with an FE-6, Claim for Death Benefits to file for benefits.
  4. The beneficiary will complete the FE-6 and send it to OFEGLI with a certified copy of the death certificate and marriage certificate (if applicable).
  5. The benefits specialist will provide information to OFEGLI regarding the employee’s life insurance, basic pay and designation of beneficiary.
  6. OFEGLI will process the claim(s) once it has received the information from the Civilian Benefits Center and the claim form(s) from the claimant(s).
  7. If the amount payable is less than $5,000, the beneficiary will receive a single check for the entire amount. If the amount payable is $5,000 or more, the beneficiary must choose one of two payment options: (1) a check, or (2) a MetLife Total Control Account (TCA), an interest bearing account set up in your name and administered by MetLife. The MetLife TCA is a settlement option offered by MetLife for the payment of claims. A MetLife TCA is not a checking, savings, or money market bank account. If the beneficiary chooses the MetLife TCA settlement option, he or she will receive more detailed information when the account is opened.

    Life insurance cannot be paid directly to a minor. In most states, the age of adulthood is 18 years old. A court must appoint a guardian and grant to the guardian the authority to collect money on behalf of the child. If there is no guardian and there are no plans to appoint one, and the proceeds are greater than $10,000, OFEGLI will hold the funds in the minor’s name in an interest bearing account until the minor reaches age 18.


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