Title 5 — Government Organization and Employees
Part III · Chapter 87 — Life Insurance
§ 8704. Group insurance; amounts
Statutory text
An employee eligible for insurance is entitled to be insured for an amount of group life insurance equal to—
the employee’s basic insurance amount, multiplied by
the appropriate factor determined on the basis of the employee’s age in accordance with the following schedule:
| If the age of the employee is | The appropriate factor is: |
|---|---|
| 35 or under | 2.0 |
| 36 | 1.9 |
| 37 | 1.8 |
| 38 | 1.7 |
| 39 | 1.6 |
| 40 | 1.5 |
| 41 | 1.4 |
| 42 | 1.3 |
| 43 | 1.2 |
| 44 | 1.1 |
| 45 or over | 1.0. |
An employee eligible for insurance is entitled to be insured for group accidental death and dismemberment insurance in accordance with this subsection. Subject to the conditions and limitations approved by the Office of Personnel Management which are contained in the policy purchased by the Office, the group accidental death and dismemberment insurance provides payment as follows:
| Loss | Amount payable |
|---|---|
| For loss of life | Full amount of the employee’s basic insurance amount. |
| Loss of one hand or of one foot or loss of sight of one eye | One-half the amount of the employee’s basic insurance amount. |
| Loss of two or more such members | Full amount of the employee’s basic insurance amount. |
For any one accident the aggregate amount of group accidental death and dismemberment insurance that may be paid may not exceed an amount equal to the employee’s basic insurance amount.
The Office shall prescribe regulations providing for the conversion of other than annual rates of pay to annual rates of pay and shall specify the types of pay included in annual pay. For the purpose of this chapter, “annual pay” includes—
premium pay under section 5545(c)(1) of this title; and
with respect to a law enforcement officer as defined in section 8331(20) or 8401(17) of this title, premium pay under section 5545(c)(2) of this title.
In determining the amount of insurance to which an employee is entitled—
a change in rate of pay under subchapter VI of chapter 53 of this title is deemed effective as of the first day of the pay period after the pay period in which the payroll change is approved; and
a change in rate of pay under section 5344 or 5349 of this title is deemed effective as of the date of issuance of the order granting the increase or the effective date of the increase, whichever is later, except, that in the case of an employee who dies or retires during the period beginning on the effective date of the increase and ending on the date of the issuance of the order granting the increase, a change in rate of pay under either of such sections shall be deemed as having been in effect for such employee during that period.
Legislative history
Reconstructed from this section’s Code source credit and amendment notes, resolved against the local Statutes at Large. Editorial notes are evidence, not the law that made the change.
Pub. L. 89–554 · 80 Stat. 378
Enacted · 5 U.S.C. § 8704
Pub. L. 89–554, Sept. 6, 1966, 80 Stat. 593
Source evidence
Code source credit
Pub. L. 89–554, Sept. 6, 1966, 80 Stat. 593Pub. L. 89–737 § 1(3) · 80 Stat. 1164
Inserted · 5 U.S.C. § 8704(c)
Pub. L. 89–737 inserted provision that, for the purpose of this chapter, “annual pay” includes premium pay under section 5545(c)(1) of this title
Source evidence
Code amendment note
Subsec. (c). Pub. L. 89–737 inserted provision that, for the purpose of this chapter, “annual pay” includes premium pay under section 5545(c)(1) of this title.Enacted provision · exact public law section
(1) Section 8114(e) is amended by striking out “is included” and inserting in lieu thereof “and premium pay under section 5545(c) (1) of this title are included”.Postal Revenue and Federal Salary Act of 1967
Pub. L. 90–206 title IV § 401 · 81 Stat. 612
Struck and inserted · 5 U.S.C. § 8704(a)
Pub. L. 90–206, in material preceding the table, struck out reference to an approximate relationship between the amount of group life insurance and the eligible employee’s annual pay and inserted reference to an automatic extension of the schedule correspondingly by the amounts of increases in the annual rate of basic pay for positions at level II of the Executive Schedule under section 5313 of this title, and raised the insurance coverages for both life and accidental death and dismemberment
Source evidence
Code amendment note
Subsec. (a). Pub. L. 90–206, in material preceding the table, struck out reference to an approximate relationship between the amount of group life insurance and the eligible employee’s annual pay and inserted reference to an automatic extension of the schedule correspondingly by the amounts of increases in the annual rate of basic pay for positions at level II of the Executive Schedule under section 5313 of this title, and raised the insurance coverages for both life and accidental death and dismemberment.Enacted provision · exact public law section
Sec. 401. Section 8704(a) of title 5, United States Code, is amended to read as follows: “(a) An employee eligible for insurance is entitled to be insured for an amount of group life insurance, plus an equal amount of group accidental death and dismemberment insurance, in accordance with the following schedule, which schedule shall be automatically extended correspondingly by the amounts of increases in the annual rate of basic pay for positions at level II of the Executive Schedule under section 80 Stat. 460. 5313 of this title: If annual pay is— The amount of group life insurance is— The amount of group accidental death and dismemberment insurance is— Greater than— But not greater than— 0 $8,000 $10,000 $10,000 $8,000 9,000 11,000 11,000 9,000 10,000 12,000 12,000 10,000 11,000 13,000 13,000 11,000 12,000 14,000 14,000 12,000 13,000 15,000 15,000 13,000 14,000 16,000 16,000 14,000 15,000 17,000 17,000 15,000 16,000 18,000 18,000 16,000 17,000 19,000 19,000 17,000 18,000 20,000 20,000 18,000 19,000 21,000 21,000 19,000 20,000 22,000 22,000 20,000 21,000 23,000 23,000 21,000 22,000 24,000 24,000 22,000 23,000 25,000 25,000 23,000 24,000 26,000 26,000 24,000 25,000 27,000 27,000 25,000 26,000 28,000 28,000 26,000 27,000 29,000 29,000 27,000 28,000 30,000 30,000 28,000 29,000 31,000 31,000 29,000 _ _ _ _ 32,000 32,000”.Pub. L. 92–392 § 11 · 86 Stat. 564
Substituted · 5 U.S.C. § 8704(d)(2)
Pub. L. 92–392 substituted “section 5344 or 5349 of this title” for “section 5343 of this title”
Added · 5 U.S.C. § 8704(d)(2)
Pub. L. 92–392 added the exception
Source evidence
Code amendment note
Subsec. (d)(2). Pub. L. 92–392 substituted “section 5344 or 5349 of this title” for “section 5343 of this title” and added the exception.Enacted provision · exact public law section
Sec. 11. Paragraph (2) of section 8704(d) of title 5, United States Code, is amended to read as follows: 80 Stat. 593. “(2) a change in rate of pay under section 5344 or 5349 of this title is deemed effective as of the date of issuance of the order Ante, pp, 568, 572. granting the increase or the effective date of the increase, whichever is later, except, that in the case of an employee who dies or retires during the period beginning on the effective date of the increase and ending on the date of the issuance of the order granting the increase, a change in rate of pay under either of such sections shall be deemed as having been in effect for such employee during that period.”.Pub. L. 95–454 § 906(a)(2) · 92 Stat. 1111
Substituted · 5 U.S.C. § 8704(b); 5 U.S.C. § 8704(c)
Pub. L. 95–454, § 906(a)(2), (3), substituted “Office of Personnel Management” and “Office” for “Civil Service Commission” and “Commission”, respectively, wherever appearing
Source evidence
Code amendment note
Subsecs. (b), (c). Pub. L. 95–454, § 906(a)(2), (3), substituted “Office of Personnel Management” and “Office” for “Civil Service Commission” and “Commission”, respectively, wherever appearing.Enacted provision · exact public law section
(2) in sections 1301, 1302, 1304, 1308, 2105, 2951, 3110, 3304a, 3308, 3312, 3314, 3318, 3324, 3325, 3344, 3351, 3363, 3373, 3502, 3504, 4102, 4106, 4113-4118, 5102, 5103, 5105, 5107, 5110–5115, 5303, 5304, 5333, 5334, 5335(b), 5336, 5338, 5343, 5346, 5347, 5351, 5352, 5371 (as redesignated in section 801(a) (3) (A) (ii) of this Ante, p. 1218. Act), 5372 (as redesignated in such section 801(a) (3) (A) (ii)), 5374 (as redesignated in such section 801(a) (3) (A) (i i)) , 5504, 5533, 5545, 5548, 5723, 6101, 6304-6306, 6308, 6311, 6322, 6326, 7203 (as redesignated in section 703(a)(1) of this Act), 7204 Ante, p. 1216. (as redesignated in such section 703(a) (1)), 7312, 8151, 8331, 8332, 8334, 8337, 8339–8343, 8345, 8346, 8347(a), 8348, 8501, 8701–8712, 8714, 8714a, 8716, 8901–8903, 8905, 8907–8910, and 8913, by striking out “Civil Service Commission” and inserting in lieu thereof “Office of Personnel Management”;Pub. L. 95–454 § 801(a)(3)(E) · 92 Stat. 1111
Substituted · 5 U.S.C. § 8704(d)(1)
Pub. L. 95–454, § 801(a)(3)(E), substituted “subchapter VI of chapter 53” for “section 5337”
Source evidence
Code amendment note
Subsec. (d)(1). Pub. L. 95–454, § 801(a)(3)(E), substituted “subchapter VI of chapter 53” for “section 5337”.Enacted provision · exact public law section
(3) (A) Chapter 53 of title 5, United States Code, is amended— 5 USC 5301 et seq. (i) by redesignating subchapter VI as subchapter VII, and (ii) by redesignating sections 5361 through 5365 as sections 5371 through 5375, respectively. (B) (i) The analysis of chapter 53 of title 5, United States Code, is amended by striking out the items relating to subchapter VI thereof and inserting in lieu thereof the following:Federal Employees’ Group Life Insurance Act of 1980
Pub. L. 96–427 § 2(b) · 94 Stat. 1831
Substituted · 5 U.S.C. § 8704(a)
Pub. L. 96–427, § 2(b), substituted new formula for group life insurance to be computed by multiplying the basic insurance with a factor to be obtained from the table based on age for provisions calling for group life insurance and an equal amount of death and dismemberment insurance in accordance with a schedule based on the basic pay with special provision for extension by the amount of increase in the annual rates of basic pay for positions at level II of the Executive Schedule under section 5313 of this title. Prior to this amendment, the table was as follows:
Source evidence
Code amendment note
Subsec. (a). Pub. L. 96–427, § 2(b), substituted new formula for group life insurance to be computed by multiplying the basic insurance with a factor to be obtained from the table based on age for provisions calling for group life insurance and an equal amount of death and dismemberment insurance in accordance with a schedule based on the basic pay with special provision for extension by the amount of increase in the annual rates of basic pay for positions at level II of the Executive Schedule under section 5313 of this title. Prior to this amendment, the table was as follows:Enacted provision · exact public law section
(b) Section 8704(a) of title 5 is amended to read as follows: “(a) An employee eligible for insurance is entitled to be insured for an amount of group life insurance equal to— “(1) the employee’s basic insurance amount, multiplied by “(2) the appropriate factor determined on the basis of the employee’s age in accordance with the following schedule: “If the age of the employee is: The appropriate factor is: 35 or under 2.0 36 1.9 37 1.8 38 17 39 1.6 40 1.5 41 1.4 42 1.3 43 1.2 44 1.1 45 or over 1.0 ”Federal Employees’ Group Life Insurance Act of 1980
Pub. L. 96–427 § 2(c) · 94 Stat. 1831
Inserted · 5 U.S.C. § 8704(b)
Pub. L. 96–427, § 2(c), inserted provision that an employee eligible for insurance is entitled to be insured for group accidental death and dismemberment insurance in accordance with this subsection
Substituted · 5 U.S.C. § 8704(b)
Pub. L. 96–427, § 2(c), substituted reference to employee’s basic insurance amount for reference to the amount shown in the schedule in subsec. (a) of this section in four places
Source evidence
Code amendment note
Subsec. (b). Pub. L. 96–427, § 2(c), inserted provision that an employee eligible for insurance is entitled to be insured for group accidental death and dismemberment insurance in accordance with this subsection and substituted reference to employee’s basic insurance amount for reference to the amount shown in the schedule in subsec. (a) of this section in four places.Enacted provision · exact public law section
(c) Section 8704(b) of title 5 is amended— (1) by inserting before “Subject to” the following new sentence: “An employee eligible for insurance is entitled to be insured for group accidental death and dismemberment insurance in accordance with this subsection.”: (2) in the table, by striking out “shown in the schedule in subsection (a) of this section” each place it appears and inserting in lieu thereof “of the employee’s basic insurance amount”; and (3) in the last sentence, by striking out “the amount shown in the schedule in subsection (a) of this section” and inserting in lieu thereof “an amount equal to the employee’s basic insurance amount.”.Federal Employees’ Group Life Insurance Act of 1980
Pub. L. 96–427 § 2(d) · 94 Stat. 1831
Changed · 5 U.S.C. § 8704(c)
Pub. L. 96–427, § 2(d), expanded definition of “annual pay” to include premium pay under section 5545(c)(2) of this title with respect to a law enforcement officer as defined in section 8331(20) of this title
Source evidence
Code amendment note
Subsec. (c). Pub. L. 96–427, § 2(d), expanded definition of “annual pay” to include premium pay under section 5545(c)(2) of this title with respect to a law enforcement officer as defined in section 8331(20) of this title.Enacted provision · exact public law section
(d) Section 8704(c) of title 5 is amended by striking out the last sentence and inserting in lieu thereof the following: “For the purpose of this chapter, ‘annual pay’ includes— “(1) premium pay under section 5545(c)(1) of this title; and “(2) with respect to a law enforcement officer as defined in section 8331(20) of this title, premium pay under section 5545(c)(2) of this title.”Pub. L. 100–238 title I § 103(b) · 101 Stat. 1744
Inserted · 5 U.S.C. § 8704(c)(2)
Pub. L. 100–238 inserted “or 8401(17)” after “8331(20)”
Source evidence
Code amendment note
Subsec. (c)(2). Pub. L. 100–238 inserted “or 8401(17)” after “8331(20)”.Enacted provision · exact public law section
(b) Definition Under the Life Insurance Program.— Section 8704(c)(2) is amended by inserting “or 8401(17)” after “8331(20)”.Effective date note
Amendment by Pub. L. 100–238 effective Jan. 1, 1987, see section 103(f) of Pub. L. 100–238 set out as a note under section 3307 of this title.
11 of 12 references resolved to an enrolled provision · 1 partial
Notes
historicalAndRevision
| Historical and Revision Notes | ||
|---|---|---|
| Derivation | U.S. Code | Revised Statutes andStatutes at Large |
| (a)–(c) | 5 U.S.C. 2092 (less (d)) | Aug. 17, 1954, ch. 752, § 3 (less (d)), 68 Stat. 737. |
| (d)(1) | [Uncodified]. | Aug. 23, 1958, Pub. L. 85–737, § 3, 72 Stat. 831. |
| (d)(2) | 5 U.S.C. 1183. | Sept. 2, 1958, Pub. L. 85–872, § 3, 72 Stat. 1697. |
In subsection (a), the words “An employee eligible for insurance is entitled” are coextensive with and substituted for “Each employee to whom this chapter applies shall be eligible”.
Standard changes are made to conform with the definitions applicable and the style of this title as outlined in the preface to the report.
Editorial Notes
Amendments1966–1988 · 6 rounds
1988
Subsec. (c)(2). Pub. L. 100–238 inserted “or 8401(17)” after “8331(20)”.
1980
Subsec. (a). Pub. L. 96–427, § 2(b), substituted new formula for group life insurance to be computed by multiplying the basic insurance with a factor to be obtained from the table based on age for provisions calling for group life insurance and an equal amount of death and dismemberment insurance in accordance with a schedule based on the basic pay with special provision for extension by the amount of increase in the annual rates of basic pay for positions at level II of the Executive Schedule under section 5313 of this title. Prior to this amendment, the table was as follows:
| If annual pay is— | The amount of group life insurance is— | The amount of group accidental death and dismemberment insurance is— | |
|---|---|---|---|
| Greater than— | But not greater than— | ||
| 0 | $8,000 | $10,000 | $10,000 |
| $8,000 | 9,000 | 11,000 | 11,000 |
| 9,000 | 10,000 | 12,000 | 12,000 |
| 10,000 | 11,000 | 13,000 | 13,000 |
| 11,000 | 12,000 | 14,000 | 14,000 |
| 12,000 | 13,000 | 15,000 | 15,000 |
| 13,000 | 14,000 | 16,000 | 16,000 |
| 14,000 | 15,000 | 17,000 | 17,000 |
| 15,000 | 16,000 | 18,000 | 18,000 |
| 16,000 | 17,000 | 19,000 | 19,000 |
| 17,000 | 18,000 | 20,000 | 20,000 |
| 18,000 | 19,000 | 21,000 | 21,000 |
| 19,000 | 20,000 | 22,000 | 22,000 |
| 20,000 | 21,000 | 23,000 | 23,000 |
| 21,000 | 22,000 | 24,000 | 24,000 |
| 22,000 | 23,000 | 25,000 | 25,000 |
| 23,000 | 24,000 | 26,000 | 26,000 |
| 24,000 | 25,000 | 27,000 | 27,000 |
| 25,000 | 26,000 | 28,000 | 28,000 |
| 26,000 | 27,000 | 29,000 | 29,000 |
| 27,000 | 28,000 | 30,000 | 30,000 |
| 28,000 | 29,000 | 31,000 | 31,000 |
| 29,000 | 32,000 | 32,000 | |
Subsec. (b). Pub. L. 96–427, § 2(c), inserted provision that an employee eligible for insurance is entitled to be insured for group accidental death and dismemberment insurance in accordance with this subsection and substituted reference to employee’s basic insurance amount for reference to the amount shown in the schedule in subsec. (a) of this section in four places.
Subsec. (c). Pub. L. 96–427, § 2(d), expanded definition of “annual pay” to include premium pay under section 5545(c)(2) of this title with respect to a law enforcement officer as defined in section 8331(20) of this title.
1978
Subsecs. (b), (c). Pub. L. 95–454, § 906(a)(2), (3), substituted “Office of Personnel Management” and “Office” for “Civil Service Commission” and “Commission”, respectively, wherever appearing.
Subsec. (d)(1). Pub. L. 95–454, § 801(a)(3)(E), substituted “subchapter VI of chapter 53” for “section 5337”.
1972
Subsec. (d)(2). Pub. L. 92–392 substituted “section 5344 or 5349 of this title” for “section 5343 of this title” and added the exception.
1967
Subsec. (a). Pub. L. 90–206, in material preceding the table, struck out reference to an approximate relationship between the amount of group life insurance and the eligible employee’s annual pay and inserted reference to an automatic extension of the schedule correspondingly by the amounts of increases in the annual rate of basic pay for positions at level II of the Executive Schedule under section 5313 of this title, and raised the insurance coverages for both life and accidental death and dismemberment.
1966
Subsec. (c). Pub. L. 89–737 inserted provision that, for the purpose of this chapter, “annual pay” includes premium pay under section 5545(c)(1) of this title.
Statutory Notes and Related Subsidiaries
Effective Date of 1988 Amendment
Amendment by Pub. L. 100–238 effective , see section 103(f) of Pub. L. 100–238 set out as a note under section 3307 of this title.
Effective Date of 1980 Amendment
Amendment by section 2(d) of Pub. L. 96–427 applicable with respect to premium pay payable under section 5545(c)(2) of this title from and after the first day of the first pay period which begins on or after , see section 10(b) of Pub. L. 96–427, set out as a note under section 8701 of this title.
Pub. L. 96–427, § 2(f), , 94 Stat. 1832, provided that: “Subsections (b) and (c) of this section [amending this section] shall take effect beginning with the first pay period beginning on or after .”
Effective Date of 1978 Amendment
Amendment by section 801(a)(3)(E) of Pub. L. 95–454 effective on first day of first applicable pay period beginning on or after 90th day after , see section 801(a)(4) of Pub. L. 95–454, set out as an Effective Date note under section 5361 of this title.
Amendment by section 906(a)(2), (3) of Pub. L. 95–454 effective 90 days after , see section 907 of Pub. L. 95–454, set out as a note under section 1101 of this title.
Effective Date of 1972 Amendment
Amendment by Pub. L. 92–392 effective on first day of first applicable pay period beginning on or after 90th day after , see section 15(a) of Pub. L. 92–392, set out as an Effective Date note under section 5341 of this title.
Effective Date of 1967 Amendment
Pub. L. 90–206, title IV, § 405(a), , 81 Stat. 648, provided that: “The amendments made by sections 401 to 403, inclusive, of this Act [amending this section and sections 8707 and 8708 of this title] shall take effect on the first day of the first pay period which begins on or after the sixtieth day following the date of enactment []. In the case of an employee who dies or retires during the period beginning on the date of enactment of this Act and prior to the effective date prescribed by this subsection, the amount of insurance shall be determined as if the amendments made by section 401 [amending this section] were in effect for such employee during such period.”
Effective Date of 1966 Amendment
Amendment by Pub. L. 89–737 applicable with respect to premium pay payable from and after first day of first pay period which begins after date of enactment of Pub. L. 89–737, which was approved , see section 4 of Pub. L. 89–737, set out in the note under section 8114 of this title.
Retroactive Effect of 1967 Amendment
Pub. L. 90–206, title IV, § 405(c), , 81 Stat. 648, provided that: “The amendments made by sections 401 to 404, inclusive, of this Act [enacting section 8714a of this title and amending this section and sections 8707 and 8708 of this title] shall have no effect in the case of an employee who died, was finally separated, or retired prior to the date of enactment [].”
1967 Adjustment in Amount of Insurance
Pub. L. 90–206, title II, § 220(b), , 81 Stat. 639, provided that:
“For the purposes of determining the amount of insurance for which an individual is eligible chapter 87 of title 5, United States Code, relating to group life insurance for Federal employees—
“(1) all changes in rates of pay which result from the enactment of this title [see Short Title Note under section 5332 of this title] except Postal Field Service Schedule II, Rural Carrier Schedule II, and sections 207, 212, 213(d) and (e), 215, 219, and 225) shall be held and considered to become effective as of the date of such enactment []; and
“(2) all changes in rates of pay which result from the enactment of section 212 of this title [enacting provisions set out as a note under section 5303 of this title] and which take effect retroactively from the date on which the adjustments thereof are actually ordered under such section, shall be held and considered to become effective on the date on which such adjustments are actually ordered.”
[Section 220(b) of Pub. L. 90–206 effective , see section 220(a) (1) of Pub. L. 90–206, set out as an Effective Date note under section 3110 of this title.]
Credits
1966–1988 · 7 acts
- 1966Pub. L. 89–554, , 80 Stat. 593
- 1966Pub. L. 89–737, § 1(3), , 80 Stat. 1164
- 1967Pub. L. 90–206, title IV, § 401, , 81 Stat. 646
- 1972Pub. L. 92–392, § 11, , 86 Stat. 575
- 1978Pub. L. 95–454, title VIII, § 801(a)(3)(E), title IX, § 906(a)(2), (3), , 92 Stat. 1222, 1224
- 1980Pub. L. 96–427, § 2(b)–(d), , 94 Stat. 1831, 1832
- 1988Pub. L. 100–238, title I, § 103(b), , 101 Stat. 1744.
Show as published
(Pub. L. 89–554, , 80 Stat. 593; Pub. L. 89–737, § 1(3), , 80 Stat. 1164; Pub. L. 90–206, title IV, § 401, , 81 Stat. 646; Pub. L. 92–392, § 11, , 86 Stat. 575; Pub. L. 95–454, title VIII, § 801(a)(3)(E), title IX, § 906(a)(2), (3), , 92 Stat. 1222, 1224; Pub. L. 96–427, § 2(b)–(d), , 94 Stat. 1831, 1832; Pub. L. 100–238, title I, § 103(b), , 101 Stat. 1744.)