Last week I wrote about the survivor benefits available to the children of federal employees or retirees who have lost one or more of their parents. Now I want to tell you about their insurance benefits.

FEGLI

If an employee/retiree is covered by Federal Employee Group Life Insurance (FEGLI), the proceeds generally go to the surviving spouse. If there is no surviving spouse, they usually go to the designated beneficiary or, if there is none, to the children, who are next in the next in line under the standard order of precedence. To put this in perspective, here is the standard order of precedence: