Government of the District of Columbia provides you with the opportunity to continue your Basic Life insurance (Plan 1) once you retire from active work. Basic Life insurance becomes effective after you apply and agree to pay premiums (if applicable).
Retired employees may elect the following Basic Life (Plan 1) insurance options:
- 75% Reduction: Your Life Insurance will reduce by 2% of the amount in effect immediately prior to retirement each month beginning with the second calendar month after the date you become 65, or retire, whichever is later. The amount will not reduce to less than 25% of the amount in effect prior to retirement. This option is Contributory, requiring premium contributions from you.
- 50% Reduction: Your Life Insurance will reduce by 1% of the amount in effect immediately prior to retirement each month beginning with the second calendar month after the date you become 65, or retire, whichever is later. The amount will not reduce to less than 50% of the amount in effect prior to retirement. This option is Contributory, requiring premium contributions from you.
- No Reduction: Your Life Insurance will equal the amount in effect immediately prior to retirement.
This option is Contributory, requiring premium contributions from you.
Retired employees enrolled in Basic Life (Plan 1) may also elect any or all the following insurance options:
- Optional Life Insurance (Plan 2, Option A) - A flat $10,000 benefit
75% Reduction: Your Optional Life Option A Life Insurance will reduce by 2% each month beginning with the second calendar month after the date you become 65. The amount will not reduce to less than 25% of the amount in effect prior to retirement. This option is Contributory, requiring premium contributions from you. - Optional Life and AD&D Insurance (Plan 2, Option B) - The amount of your Optional Life Option B Life Insurance in effect immediately prior to retirement. You may apply for one of the following Options:
- 100% Reduction: Your Life Insurance will reduce by 2% of the amount in effect immediately prior to retirement each month beginning with the second calendar month after the date you become 65. The amount will not reduce to less than 0% of the amount in effect prior to retirement. This option is Contributory, requiring premium contributions from you.
- No Reduction: Your Life Insurance will equal the amount in effect immediately prior to retirement. This option is Contributory, requiring premium contributions from you.
- Dependents Life Insurance (Option C) - The amount of your Optional Life Option C Life Insurance (Dependents Life Insurance) in effect immediately prior to retirement. You may apply for one of the following Options:
- 100% Reduction: Your Dependents Life Insurance will reduce by 2% of the amount in effect immediately prior to retirement each month beginning with the second calendar month after the date you become 65. The amount will not reduce to less than 0% of the amount in effect prior to retirement. This option is Contributory, requiring premium contributions from you.
- No Reduction: Your Dependents Life Insurance will equal the amount in effect immediately prior to retirement. This option is Contributory, requiring premium contributions from you.
For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Coverage Highlights and Certificate of Insurance.