OPM’s guidance further specifies that phased retirees will continue to be eligible to enroll for coverage under the FSA, FEDVIP and FLTCIP long-term care programs and to make changes to existing coverage under standard rules applying to employees. Agencies are to continue to withhold the applicable FSA amounts and insurance premiums in the same way as for a full-time employee. In separate guidance, OPM said that those entering phased retirement – or leaving it to return to full-time work — will not be eligible to change FEGLI life insurance coverage, and that premiums will continue to be withheld from the salary portion and not switched to the annuity portion. It similarly said that standard rules regarding FEGLI in retirement apply to those who leave phased retirement for full retirement, including crediting of the phased retirement period toward the five-year coverage requirement for continuing FEGLI as a retiree.