Any elections made in the FEGLI open season will not become effective until the first pay period of October 2017, when premium changes related to a choice will also begin. An individual must have the new coverage for the five years of service immediately before retiring (or starting to receive workers’ compensation) to continue that coverage as a retiree or compensationer. That means the earliest that an employee can retire (or become an injury compensationer) and continue any new or added coverage elected during the open season will be October 2022. There is no provision in law allowing a waiver of that requirement, OPM says.