What are living benefits?
Living benefits are available to FEGLI enrollees who have been diagnosed as terminally ill with a life expectancy of nine months or less.

Only Basic insurance is available for living benefits. Employees may elect either a full living benefit—all of their Basic benefit—or a partial living benefit in multiples of $1,000. Retirees and injury compensation recipients may elect only a full living benefit. With a full benefit, withholding of premiums for Basic insurance ceases; with a partial benefit, they are recalculated.