Information in this Handbook will be helpful to a member having questions about Civil Service annuities, Social Security, Medicare, Federal life insurance, health insurance, the Thrift Savings Plan, SAMBA insurance plans, SATI insurance plans, and Veteran's benefits. It also provides guidelines to assist survivors in case of a death in the family.

One of the objectives of the Chapter Family Assistance Committees is to assist widows, widowers and/or other family members when there is a death in the family. Such assistance includes, but is not limited to, expediting pension matters, settling insurance claims, obtaining any survivor's Social Security and Veteran benefits, securing legal services, providing tax advice, and helping in settling the estate.

The emotional trauma at the time of death of a family member is difficult enough without the survivors struggling unaided with the many financial intricacies. The purpose of this document is to describe the benefits that are available to survivors, indicate what information and documents are needed, provide a means to record personal information, and set forth what action must be taken when a death occurs.

Each member is encouraged to sit down with his family and review this booklet, filling out applicable information on Appendices A.1 and A.2 – “Personal Information” and Appendix B – “Pertinent Documents”. Forms for Personal Information” have been provided for two persons. If more are needed, copy the format and attach to the appendices.

At the time of the death of a Society member, spouse or other family member, many things will require the attention of the survivors or someone acting on their behalf. Appendix C is a general checklist which should be reviewed by the survivor(s) immediately following a death.

Please note that information on addresses, phone numbers, and qualifications for certain benefits included in this booklet were correct as of the date of publication. Some of these items will change periodically. It would be wise to verify such information from time to time. When any such change becomes known to the National Family Assistance Committee, applicable information will be set forth in the Family Assistance News column in the Grapevine or a supplement to this Handbook. (back to Index)

SUBMITTING OBITUARIES TO THE GRAPEVINE

Upon death of a member or family member, notify Society Headquarters (1-800-527-7372) immediately. Follow up with letter ( See Appendix D for sample letter ). As soon as possible mail detailed obituary information on a member to: Editor, the Grapevine, 3717 Fettler Park Drive, Dumfries, VA 22025-2048. Please include full name and address; age; date and cause of death; FBI service dates; FBI office assignments; employment after the FBI; Society and Chapter activities; special interests; and names of survivors. Promptness and coordination are important to insure timely submissions and to avoid duplicate submissions. Newspaper clippings are helpful but should accompany a completed obituary form. Photos submitted cannot be returned unless accompanied by a stamped, self-addressed envelope. Obituary forms are available from the Society's National Office and from the Society's world wide web site in the Member Services Directory. Click on the following link to download an Obituary Form. (back to Index)

COMPUTER WEB SITES

Many Society members now have personal computers and are on the Internet where answers to questions may be obtained, needed forms downloaded, and information about many programs obtained. Following is a list of some of the Web sites that may be of interest to retirees:

Office of Personnel Management: www.opm.gov
         Social Security Administration: www.ssa.gov
         Federal Employees Group Life Insurance: www.fegli.com
            Federal Employees Health Benefits program: www.fehb.gov
         Thrift Savings Plan: www.tsp.gov

Where available, telephone numbers, FAX numbers, and Email addresses are shown under the appropriate subject matter. (back to Index)

OFFICE OF PERSONNEL MANAGEMENT www.opm.gov

Formerly called the Civil Service Commission, the Office of Personnel Management (OPM) is the Government agency that oversees all personnel matters regarding Federal employees and retirees. The Headquarters Office of this Agency is located in Washington, DC but the Retirement Operations Center is located in Boyers, PA. Any correspondence to OPM about retirement annuities, death benefits, Federal Employee Group Life Insurance (FEGLI), or Federal Employees Health Benefits Program (FEHB) should be directed to: Office of Personnel Management, Retirement Operations Center, P. O. Box 45, Boyers, PA 16017-0045. (See sample letters E , F , and G , in the appendices).

Contact can also be made with OPM by telephone, FAX or Email. In any contact, the CSRS or FERS number and the retiree's PIN (Personal Identification Number) must be furnished. If a PIN number is not available, use the last four digits of the retiree's Social Security number.

OPM has an automated telephone system where answers may be obtained for most of the questions raised by annuitants. Outside the Washington, DC area, the toll free number is 1-888-767-6738. In the Washington, DC area, use 202-606-0500. The FAX number is: 412-794-1263.

Some OPM Email addresses are also available. For general inquiries and reporting deaths use: retire@opm.gov. For questions on FEGLI use: www.fegli.com . For questions on FEHB use: www.fehb.gov .

Alternative Form of Annuity

Some retirees can choose to receive an Alternative Form of Annuity, if they have a critical medical condition. Under this option, the retiree receives a reduced monthly benefit, plus a lump sum payment equal to all unrefunded contributions to the retirement fund. The amount of reduction in the monthly benefit depends on age at the time of retirement and the amount of retirement contributions. The election of an Alternative Form of Annuity will not affect the potential survivor annuity payable to spouse or children. However, the spouse's consent is necessary in order to make this election.

The Alternative Form of Annuity cannot be chosen if retiring under disability rules or if there is a former spouse who is entitled to court-ordered benefits based on the retirees services. The Alternative Form of Annuity cannot be elected unless the retiree has a life-threatening medical condition.

Death of an Annuitant - Survivor Benefits

If the deceased annuitant has elected a survivorship annuity, the eligible survivor(s) can collect benefits from OPM with little or no difficulty, provided they follow the simple procedures listed below. (Please note that at the time of a retirement either a full or partial survivor benefit can be elected. A full benefit would give the survivor 55% of the annuitant's retirement pay at time of death. A partial benefit would be whatever the annuitant had elected at time of retirement.)

(1) Notify OPM immediately after the death of the annuitant, either by phone, FAX, or Email. You will need the name of the decedent exactly as it appears on OPM's rolls, the decedent's CSRS or FERS, Social Security and PIN numbers. Follow-up by letter ( See Appendix E for sample letter ). Request application forms for any survivor benefits due and for any benefits due under the Federal Employees Group Life Insurance Program (FEGLI). Details concerning FEGLI are set forth later in this Handbook. OPM will furnish, to the individual(s) apparently entitled to benefits, all necessary application forms for any unpaid compensation, survivor annuity, and any benefits that might be due under FEGLI. If decedent was covered by an annuity from the Thrift Savings Plan, see information under that plan, listed hereafter.

(2) Return all uncashed Government checks payable to the decedent (whether received prior to or after annuitant's death) to OPM at the address given above . DO NOT ATTEMPT TO CASH OR DEPOSIT ANY SUCH CHECKS. Government checks made payable to a deceased annuitant cannot be legally cashed by anyone. Explain that the check is being returned because of the death of the annuitant, furnishing the exact date of death. Write "Payee Deceased" and signature of returnee, in ink, across the face of the check. OPM will not authorize any survivor benefit payments until advised by the Treasury Department that there are no outstanding checks payable to the decedent.

If authorization has been given for direct deposit of annuity checks to a financial institution, promptly notify the institution of the exact date of the annuitant's death. Any such deposit covering payment for all or part of a period occurring after the death of the payee must be returned in full by the bank to the U. S. Treasury Department and appropriate adjustment made in the payee's bank account. DO NOT attempt to make an individual return payment to OPM or the Treasury Department. Any accrued annuity unpaid to the annuitant during his lifetime will be included in benefits paid to his eligible survivor(s).

(3) When received, complete the application for survivor benefits as well as the one for FEGLI and return in the envelopes provided . A certified copy of the death certificate must accompany each application. If other evidence is required to support any claim for benefits, OPM will request it. This could include copy of marriage certificate, birth certificate, divorce decree, or other documents establishing identity or relationship. Upon receipt of applications, OPM will authorize payment of benefits. These benefits may include automatic health insurance coverage if the survivor has been covered by the annuitant's enrollment in one of the Government's Federal Employees Health Benefits (FEHB) programs and if the survivor is eligible for a survivor annuity beginning immediately after the death of the annuitant.

Death of Spouse - Restoration of Total Annuity

If, at the time of retirement, a retiree elected survivor benefits, a percentage of the retiree's annuity has been withheld each month to offset the cost of annuity to be paid to the surviving spouse upon the death of the retiree. Such retirees who have lost a spouse are eligible to have that reduction for survivor benefits restored to full annuity. To effect restoration, OPM must be advised of the death of the spouse. ( See Appendix F for sample letter to OPM )

Remarriage - Restoration of Survivor Benefits

In the event of remarriage, OPM should be notified if the retiree desires to restore survivor benefits for this new spouse. ( See Appendix G for sample letter ) This notice must be within two years of the remarriage and will not be effective until at least nine months after the date of the remarriage. The retiree's annuity will be reduced for lifetime, or until the death of the second spouse, by a percentage calculated as follows:

The amount of the gross retirement benefits received from the date of death of the first spouse until the effective date of survivorship coverage for the new spouse will be subtracted from the amount that would have been received had not benefits been restored to full annuity. Interest on the amount thus obtained will be added and the total sum prorated based on the age of the annuitant. According to OPM, in most cases this will be less than 5% of the retiree's annuity. This amount, plus the amount (approximately 10%) of the annuity is reduced by the regular formula for electing survivor benefits, will be deducted from the monthly annuity. However the maximal reduction is 25%. (back to Index)

THRIFT SAVINGS PLAN

The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees. Congress established the TSP in the Federal Employees Retirement System Act of 1986. The Federal Retirement Thrift Investment Board, an independent Government agency, administers the TSP. The purpose of TSP is to provide additional retirement income for CSRS and FERS employees. It offers Federal civilian employees the same type of savings and tax benefits that many private corporations offer their employees under so-called "401(k)" plans. Contributions to the plan are voluntary and the rules differ for FERS and CSRS employees. Generally, withdrawals are not permitted from TSP until you have separated from Federal Service.

For a FERS retiree TSP is an integral part of the retirement package, along with the FERS Basic Annuity and Social Security. For a CSRS retiree, the TSP is a supplement to the CSRS annuity. A retiree or beneficiary receiving an annuity from TSP may obtain detailed information about this plan by visiting the TSP web site, www.tsp.gov . If not already available, a Personal Identification Number (PIN), needed to access a retiree's personal account, may be requested at this site or by calling 504-255-8777.

If a retiree was receiving an annuity from the Thrift Savings Plan at the time of death, contact the Federal Retirement Thrift Investment Board at 504-255-6000. Provide the Board the name of the deceased, the TSP account number and the date of death. If the retiree had elected a survivorship benefit, such benefits will then be paid to the designated beneficiary.

On the other hand, if the death of a designated beneficiary precedes the death of the retiree, call the above number to report the death. The survivor annuity will be cancelled and the annuity increased to what it would have been without a survivorship provision.

Upon the death of a spouse receiving spousal benefits from the Thrift Savings Plan, do not cash any such annuity checks. If such checks are received subsequent to a retirees death, contact the Board at the above number to obtain instructions on how and where to return them. The spouse has no right to will the annuity to anyone else; his or her death will be the end of the benefit. (back to Index)

FEDERAL EMPLOYEES GROUP LIFE INSURANCE PROGRAM

Most Federal Employees carry life insurance coverage into retirement under the Federal Employees Life Insurance program (FEGLI). The amount and duration can vary depending on the date retirement was effective, salary at time of retirement, which of the various options was exercised, etc. Depending upon what options were available and exercised at the time of retirement, the amount of insurance may reduce considerably after age 65.

A. If retirement was prior to December 9, 1980, this insurance was retained without further cost, provided the following conditions were met:
1. The retirement was on an immediate annuity beginning within one month after separation. For FERS employees, immediate annuity includes eligibility for an annuity at minimum retirement age and with at least ten years of service.
2. Retiree was insured for the five years immediately preceding the annuity commencement date, or for the entire period(s) during which the coverage was available.
3. The life insurance was not converted to an individual policy at the time of retirement.

The amount of insurance carried into retirement was the salary level at the time of retirement raised to the next even thousand, plus $2,000. For example, if salary at time of retirement was $32,500 the amount of insurance carried into retirement would be $35,000 ($32,500 rounded off to $33,000, plus $2,000). However, beginning at age 65, the amount of this insurance is reduced by 2% each month until reaching a lifetime level of 25% of the original amount ($8,750 in the above example).

B. If Retirement was on or after December 9, 1980 and before January 1, 1990, a retiree could elect one of the following reduction schedules:
· 75% reduction - Reduction schedule same as for pre-December 9, 1980 retirements. However, premiums are deducted from annuity until age 65, at which time no further premiums are paid.
· 50% reduction - Amount of insurance is reduced by 1% per month after age 65 until 50% of original value is reached. Premiums are deducted for life.
· No reduction - No deductions in principal amount of insurance at any age. Premiums are deducted for life.

C. If separated for retirement after December 31, 1989, election must be one of the three reduction schedules described in Item B above. However, regardless of which reduction schedule is elected, if separated before age 65, full premium costs must be paid until age 65 for the Basic Life insurance.

At the time of retirement a statement is given the retiree explaining, among other things, FEGLI coverage, reduction factors, etc., and this statement should be retained with other personal papers.

Depending upon the period employed, government employees could elect other optional insurance under FEGLI. Details of this kind of insurance are not being covered here since it is believed very few former Agents opted for them. However, anyone interested or desiring additional information can write the Office of Personal Management, Retirement Operations Center, P. O. Box 45, Boyers, PA 16017-0045.

The order of precedence in paying FEGLI claims is as follows:

1. To the beneficiary designated.

2. If no beneficiary has been designated, to the surviving spouse.

3. If neither of the above, to the children of the insured with share
of any deceased child distributed among descendants of that
child.

4. If none of the above, to the parents of the insured or their
survivors.

5. If none of the above, to the executor or administrator of the
insured estate.

6. If none of the above, to the other next of kin entitled under the
laws of the domicile of the insured at the time of death.

This order of precedence cannot be changed by a will or any court action, but the insured can change beneficiaries at any time and should do so if it is desired that the benefits go in a direction other than in the order of precedence specified. When advised of the death of the insured, OPM will forward the necessary forms to apply for the insurance. ( See Appendix E. for sample letter ) (back to Index)

Payment procedure for insurance benefits from FEGLI:

If less than $7,500 life insurance is payable after you die, the OFEGLI will make payment by check to your beneficiary or other survivor. However, if $7,500 or more is payable, OFEGLI will open a money market account in the name of the person who is payable and will mail a checkbook to the payee. Your beneficiary or other survivor may close the account immediately or may write checks for any amount from $250 up to the entire balance in the account at any time. There is no charge for checks and the balance in the account earns interest from the day it is opened. At the time such a payment is made, OFEGLI will give your beneficiary or other survivor complete details about the account. You cannot make any payment arrangements in advance of your death.

More information regarding FEGLI benefits can be found in the “Retired Federal Employees Handbook.” If you are interested in obtaining a copy you may contact:

FEDweek
11541 Nuckols Rd, Ste D
Glen Allen, VA 23059
Telephone: 1-804-288-5321
Fax: 1-804-288-5123
Toll Free: 1-888-333-9335
Web site: www.FEDweek.com

FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM

Most people who retire from the Federal Government can continue their participation in one of the plans available under the Federal Employees Health Benefits Program (FEHB). When an annuitant dies while enrolled in a Self and Family plan, the survivor annuitant (and any other family member eligible for continued coverage) will automatically have continued coverage under the plan unless OPM is advised, in writing, to discontinue this coverage. The survivor's share of the cost of continuing the plan will be deducted from the annuity check, as it was from that of the decedent.

If there is only one survivor annuitant and no other family member is eligible for continued coverage, the enrollment will automatically be changed to Self Only with a corresponding reduction in cost. OPM has the responsibility of determining the Survivor Annuitant status and advising of same. Until such notification is received, health insurance continues and health claims should be submitted to the appropriate plan.

If, for any reason, a surviving spouse does not wish to continue coverage under FEHB, OPM must be advised in writing. Once canceled, however, coverage can never be reinstated except under the following conditions:

OPM regulations permit annuitants and former spouses to cancel their enrollment in FEHB for the purpose of enrolling in a Medicare-sponsored prepaid health plan under sections 1833 or 1876 of the Social Security Act. If they should subsequently be dis-enrolled from the prepaid health plan, they can re-enroll in a FEHB plan. If the dis-enrollment in the prepaid health plan is involuntary, re-enrollment in FEHB can be made any time beginning 31 days before and ending 31 days after the dis-enrollment in the prepaid health plan. Re-enrollment in FEHB after voluntary dis-enrollment may only be made during the next open season.

Should a spouse who had terminated FEHB coverage remarry a person covered by FEHB, the spouse could be covered as dependent under this plan. Coverage would not be continued should this second husband or wife die, unless a survivorship annuity had been provided following the second marriage.

If a spouse is receiving a survivor's annuity as a widow or widower of a deceased employee or annuitant and such annuity terminates because of remarriage, enrollment and coverage under FEHB will automatically end. (back to Index)

SPECIAL AGENTS MUTUAL BENEFIT ASSOCIATION (SAMBA)

Group Life Insurance Plans (Other than health insurance)
· Group Term Life and Accidental Death and Dismemberment Insurance Plan*
· Dependents Group Term Life Insurance Plan*
· Personal Accident Insurance Plan*
· Supplementary Group Term Life Insurance Plan*
· Group Life Insurance Plan for Retired Members, age 70 and older, and their dependents
· Direct Recognition Life Insurance Plan
· Dental and Vision Care Plan
· Dependent Children Heal Benefit Plan
· Personal Umbrella Liability Plan
· Financial and Legal Telephone Advisory Service

*Coverage terminates at age 70

Many retired FBI employees continue their enrollment in one or more of the foregoing plans. In the event of death of the retiree or a dependent, SAMBA should be notified immediately. Notification may be made by letter addressed to SAMBA, 11301 Old Georgetown Road, Rockville, MD 20852 ( See Appendix H for sample letter ); Telephone, 301-984-4150 or 1-800-638-6589); FAX, 301-984-6224; or Email ( samba@samba-insurance.com ) If the deceased retiree or deceased dependent was insured under one of the above SAMBA life insurance plans, SAMBA will send an application for any benefits due the designated beneficiary. SAMBA will also notify the surviving retiree or dependents of their eligibility to continue participation in the above plans. (back to Index)

SPECIAL AGENTS TRUST INSURANCE (SATI)

Group Insurance Plans
· Basic Group Term Life Insurance*
· Flexi-Life Term Insurance Plan*
· Accidental Death and Dismemberment Plan**
· Dental Health Care
· Retirement Supplement Plan
· Personal Umbrella Liability Plan

*Coverage terminates at age 70
**Coverage terminates at age 75

Retired employees often continue their enrollment in one or more of the foregoing SATI plans.

Wright & Company, 2300 Clarendon Blvd., Suite 705, Arlington, VA 22201 administers all SATI insurance plans. In the event of death of a retiree or dependent covered by SATI insurance, notification may be made by letter (See Appendix I for sample letter); Telephone, 703-373-7002 or 1-800-424-9801; or by FAX, 703-341-4480. Wright & Company will mail an application for any benefit due the designated beneficiary. Wright & Company will also notify the surviving retiree or dependent of eligibility to continue participation in the above plans. (back to Index)

SOCIAL SECURITY ADMINISTRATION

Social Security is a program administered by the Social Security Administration (SSA) of the U. S. Department of Health and Human Services. It is designed to augment family income at the time of retirement. It is normally payable only to a person and/or spouse who, through their employment, has had deductions from their wages for this purpose for a certain number of years, the number of such years depending upon year of birth. For most people now applying for benefits, ten full years (not necessarily consecutive) of such employment are required.

Application must be made at the local SSA to receive benefits. Full benefits are payable at age 65, and reduced benefits at age 62, or at age 60 for widows or widowers. If Social Security benefits are not applied until after age 65, benefits will be increased by a certain percentage for every month recipient is past 65 until age 70 is reached. These increases are automatically added to recipient's benefits. Limited benefits are, in some instances, payable upon the death or disablement of the retiree or spouse.

Contacting the Social Security Administration

SSA can be reached on an automated telephone (1-800-772-1213) 24 hours a day, 7 days a week for recorded information. On this line, a representative will be available from 7 a.m. to 7 p.m., Eastern time, Monday through Friday. to answer questions, provide information about Social Security programs, mail out publications, or make an appointment at a local office for an in-person visit. To correspond with Social Security, the address is: Social Security Administration, Office of Public Inquiries, Room 4-C-5 Annex, 6401 Security Boulevard, Baltimore, MD 21235.

Contact SSA's Internet home page ( www.ssa.gov ) to: (1) get information about programs and publications; (2) request a copy of member's Social Security Personal Earnings and Benefit Statement; (3) get an application form for a new or replacement Social Security card; (4) find links to local office home pages. If a touch-tone phone and a FAX machine are available, call 1-888-475-7000 to access a FAX Catalog and request copies of publications.

Applying for Social Security Payments

Approximately three months before eligibility for Social Security benefits, application should be made in person at the local Social Security office. The following documents are necessary:
1. Social Security card (and that of the spouse if also applying for benefits based on retiree's work credits).
2. Birth certificate or other proof of age for all applicants.
3. Marriage license if joint benefits are involved. An applicant claiming benefits based on former spouse's account will need divorce papers.
4. Wage and Tax Statement (W-2 Form), or, if self-employed, a copy of the last Federal Income Tax Return.

If unable to locate any of the above documents, do not delay application. The Social Security office will advise as to what other documents are acceptable.

Survivor benefits must be applied for within one year after the death of a worker. People who may be eligible for monthly survivor benefits are widows, dependent widowers, unmarried children, dependent parents and divorced wives. If there is no other claim, a lump sum death payment may be made to the surviving spouse if living in the household with the insured worker at the time of death.

When a worker dies, call 1-800-772-1213 and follow instructions. If, for some reason, telephone contact cannot be made, go to the local Social Security office (Funeral Director will usually know the address) with the following papers. ( See Appendix J for sample letter if there is no convenient local office )

1. Worker's Social Security Card.

2. Worker's Death Certificate.

3. Worker's military discharge papers, if any.

4. Birth Certificates of surviving spouse and dependent children.

5. Marriage Certificate of widow or dependent widower.

6. W-2 forms for year of death and possibly the previous year.

Windfall Elimination Provision.

This provision primarily affects people who earned a pension from working for a government agency, and also worked at other jobs where they paid Social Security taxes long enough to qualify for retirement or disability benefits. It also may affect a person earning a pension in any job where Social Security taxes were not deducted, such as in a foreign country.

A modified formula that will reduce Social Security payments is used for anyone who reached age 62 or became disabled after 1985, and first became eligible after 1985 for a monthly pension based in whole or in part on work where Social Security taxes were not deducted. A person is considered eligible to receive a pension if meeting the requirements of the pension, even though continuing to work. The modified formula does not apply to a Federal worker hired after December 31, 1983 or anyone having 30 years or more of substantial earnings under Social Security. If subject to this modified formula, detailed information is provided in SSA Publication No. 05-10045.

Government Pension Offset

This is a law that may affect Social Security benefits received as a spouse or widow(er) if pension benefits are also received from a job where Social Security taxes were not withheld. In such cases, the Security benefits normally earned may be reduced by two-thirds. This law does not apply to certain persons, such as, but not limited to, Federal employees who were mandatorily covered under Social Security, and most FERS employees. For detailed information on this law, obtain SSA Publication 05-10007. (back to Index)

MEDICARE

Medicare is a two-part health insurance plan usually available only to anyone age 65 or older. It is administered by the Social Security Administration (SSA). “The Medicare Handbook", a free booklet, containing much useful information, may be obtained by contacting the SSA at the telephone number previously set forth or visiting its web site.

Medicare A is hospital insurance and is premium-free for the following:

· Those 65 or older who are receiving, or eligible to receive, benefits under SSA.

· Those under 65 who have received Social Security disability benefits for 24 months.

· Those under 65 who have received Railroad Retirement disability benefits for the prescribed time and meet the SSA disability requirements.

· Those who had, or their spouses had, Medicare-covered government employment.

· Those under 65 who have End-Stage Renal Disease.

While Medicare A is available to anyone age 65 or over, the cost for anyone not meeting any of the above requirements is prohibitive.

Medicare B is medical insurance. It is available to anyone 65 or over or otherwise eligible for Part A, regardless of whether they are receiving Social Security. A monthly premium is required in all cases. This premium is adjusted annually based on claim experience and the cost of living index. The monthly premium is normally deducted from Social Security payments; however, if the amount of such payment is insufficient to cover the premium, deductions are made from Civil Service or Railroad Retirement payments. Beneficiaries not receiving any of these payments are billed by Medicare every three months.

Persons qualifying and applying for Social Security will be advised of their Medicare A coverage and offered Medicare B. For those persons not under Social Security, application must be made to the nearest Social Security office. This should be done at least three months before reaching age 65 in order to have coverage at the earliest possible date. If not applied for within three months after reaching age 65, it can only be applied for during January through March of each year. For those over 65 who apply for Medicare B, there is a ten-percent increase in the premium for each 12-month period that Medicare B could have been taken but wasn't. In applying for Medicare B, a birth certificate or other proof of age is required.

There is also a program called Medicaid that helps pay medical bills for the low-income people of all ages. It is operated by most States through county and city welfare, public assistance, or public health offices. Eligibility requirements vary from state to state. Contact a local agency to determine qualifications under this program. (back to Index)

VETERANS BENEFITS

Many Society members are Veterans of the U. S. Armed Forces and a number of survivor benefits are available to the spouse and children of a deceased Veteran. Included in these benefits are:

1. Dependency and Indemnity Compensation (DIC). This compensation is paid monthly by the Veterans Administration (VA) to survivors of those who have died of service-connected disease or injury.

2. Death Pension. Payable to low-income widows and children of wartime Veterans who have died of causes not related to their military service.

3. Funeral Expenses. The VA will pay part of many Veterans' funeral expenses, including an allowance for interment or burial plot. Most funeral directors will assist in filing application with the VA for such allowance.

4. National Service Life Insurance (NSLI). If decedent was covered under this program, the following papers are needed to file a claim:

a. Certified copy of Death Certificate.
b. Certified copy of spouse's Birth Certificate.

Survivors' benefits are not paid automatically and claim must normally be filed with VA within two years of the Veteran’s death. For information or help in applying for Veterans' benefits, write, call or visit a Veterans benefit counselor at the nearest VA regional office, or VA hospital, listed in the telephone directory under U. S. Government. If there is no listing in your area, call the nationwide toll-free number, 1-800-827-1000 ( or see Appendix K for sample letter ).

Families filing for insurance benefits should send request to the VA Regional Office & Insurance Center, P.O. Box 7208, Philadelphia, PA 19101. (back to Index)

Private Life Insurance

Normally life insurance companies require only two forms to establish proof of a claim: (1) A Statement of claim and (2) Proof of death (Certified copy of Death Certificate, or attending physician's statement).

Claim must be filed by the person legally entitled to the proceeds of the insurance, who must state in what capacity the claim is made: named beneficiary, assignee, executor, administrator, guardian, trustee, etc. Claimant must normally supply the insurance company with the following:

1. Insurance Policy Number.

2. Full name and address of deceased.

3. Decedent's occupation and date last worked.

4. Decedent's date and place of birth.

5. Date, place and cause of death.

6. Claimant's name, age, address, and Social Security number.

Contact should be made with local life insurance agent or home office to obtain necessary forms and expedite payment of claim. If no local agent is available, write insurance company. ( See Appendix L for sample letter ) Survivors should be careful not to discard any document, such as insurance policies, even when it is thought to have elapsed. Inquire of the insurer whether any benefits are due under the policy.

If decedent was a participant in the Society insurance program, contact should be made with Society headquarters. ( See Appendix D for sample letter )

If decedent was a member of any union, service organization, business association, fraternal organization, or automobile club, the group should be contacted for information as to any insurance or other benefits available to survivors. ( See Appendix M for sample letter )

If decedent was employed at time of death, contact his place of employment regarding group life insurance, pension fund contributions, credit union balance or insurance, and other benefits. Check particularly the decedent's medical coverage with the company to determine whether spouse and dependent children are still covered. ( See Appendix N for sample letter )

Many insurance policies provide several payment options for receiving proceeds due the beneficiary: lump sum, life annuity or periodic payments. Insurance proceeds are not taxable nor considered income to the beneficiary. (back to Index)

Estate and Inheritance Taxes

Providing specific and acceptable service that might be needed in this area is difficult at best. Laws covering such taxes will vary from state to state and both state and Federal regulations may change with irregular frequency. While many Chapter representatives might have general knowledge about taxes, they may lack the expertise necessary to assist survivors in handling tax matters of a complicated nature. However, in some instances, it might be possible to obtain competent help from a Chapter member; otherwise, ask for suggestions as to names of trustworthy individuals known to have expertise in this field. (back to Index)

A P P E N D I C E S

Appendix A.1

P E R S O N A L I N F O R M A T I O N

(Fill in pertinent data)

Full Name:_______________________________________________________

Date of Birth:_______________Place of Birth:_________________________

If Married - Date:_____________Place:________________________________

Social Security Number:____________________________________________

Medicare Number_________________________________________________

Date Medicare Coverage Began:

Medicare A:___________________ Medicare B:____________________

Medicaid Number:__________________ Date Coverage Began_____________

CSRS or FERS Retirement Number:_______________________

OTHER HEALTH INSURANCE - Self?:____ Family?:____

Name and Address of Insurer:________________________________________

________________________________________________________________

MILITARY SERVICE:

Branch:_______________________________ Dates:_____________________

Service Number(s):_________________ VA Claim Number:_______________

If receiving active or reserve duty retirement pay, give name and address of paying office and service number under which payment is made: ________________________________________________________________

FBI SERVICE - From:________________ To:_________________

Retired?______________ Resigned?___________

IF RETIRED FROM ANOTHER EMPLOYER:

Name:__________________________________________________________ Retirement date:_________________ Survivorship Benefits?_______________

OTHER CIVILIAN SERVICE (Show Organizations and Dates of Service): ________________________________________________________________ ________________________________________________________________

Organizations in which a member:____________________________________ ________________________________________________________________ ________________________________________________________________

List all Banks, Savings & Loan Institutions, Credit Unions, etc., in which accounts
are maintained, showing location and account numbers. If another person has signature
authority on any account, show name: ________________________________________________________________ ________________________________________________________________

If any annuity or other pay is made by direct deposit, give name, address and account
number of the receiving institution: ________________________________________________________________
________________________________________________________________

INVESTMENTS. List all investments showing name, and type: ________________________________________________________________ ________________________________________________________________

REAL ESTATE OWNED (Give Address of each): ________________________________________________________________ _________________________________________________________________
_______________________________________________________________

LIFE AND ACCIDENT INSURANCE POLICIES. (Show policy names, numbers
and addresses of insurers): ________________________________________________________________ ________________________________________________________________ ________________________________________________________________

AUTO INSURANCE POLICIES. (Show numbers and name of insurers).

________________________________________________________________

FREQUENT FLYER PROGRAMS. (Show numbers and name of airlines).

________________________________________________________________

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Appendix A.2

P E R S O N A L I N F O R M A T I O N

(Fill in pertinent data)

Full Name:_______________________________________________________

Date of Birth:_______________Place of Birth:_________________________

If Married - Date:_____________Place:________________________________

Social Security Number:____________________________________________

Medicare Number_________________________________________________

Date Medicare Coverage Began:

Medicare A:___________________ Medicare B:____________________

Medicaid Number:__________________ Date Coverage Began_____________

CSRS or FERS Retirement Number:_______________________

OTHER HEALTH INSURANCE - Self?:____ Family?:____

Name and Address of Insurer:________________________________________

________________________________________________________________

MILITARY SERVICE:

Branch:_______________________________ Dates:_____________________

Service Number(s):_________________ VA Claim Number:_______________

FBI SERVICE - From:________________ To:_________________

Retired?______________ Resigned?___________

IF RETIRED FROM ANOTHER EMPLOYER:

Name:__________________________________________________________ Retirement date:_________________ Survivorship Benefits?_______________

OTHER CIVILIAN SERVICE (Show Organizations and Dates of Service): ________________________________________________________________ ________________________________________________________________

Organizations in which a member:____________________________________ ________________________________________________________________ ________________________________________________________________

List all Banks, Savings & Loan Institutions, Credit Unions, etc., in which accounts are maintained, showing location and account numbers. If another person has signature authority on any account, show name: ________________________________________________________________ ________________________________________________________________

If any annuity or other pay is made by direct deposit, give name, address and account number of the receiving institution:

________________________________________________________________

INVESTMENTS. List all investments showing name, and type: ________________________________________________________________ ________________________________________________________________

REAL ESTATE OWNED (Give Address of each): ________________________________________________________________ ________________________________________________________________

LIFE AND ACCIDENT INSURANCE POLICIES. (Show policy names, numbers and addresses of insurers): ________________________________________________________________ ________________________________________________________________ ________________________________________________________________

AUTO INSURANCE POLICIES. (Show numbers and name of insurers).

________________________________________________________________

FREQUENT FLYER PROGRAMS. (Show numbers and name of airlines).

________________________________________________________________

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Appendix B

P E R T I N E N T D O C U M E N T S

(Note location of each document)

1. Birth Certificate of each family member.

2. Marriage Certificates (recommend five copies}.

3. Divorce Decree (If any).

4. Any Death Certificates.

5. Life and Accident Insurance policies (SAMBA, NSLI, FEGLI, X-FBI, Prudential, private, etc.).

6. Last Will.

7. Living Will

8. Living Trust.

9. Power of Attorney.

10. Social Security Cards (All family members).

11. Federal Income Tax Returns (For at least last 5 years).

12. Military Discharge papers.

13. Documents for any assets (Stocks, bonds, etc.).

14. Deed and other documents for residence and other real estate.

(Show date purchased, cost, and itemization and cost of capital

improvements.)

15. Burial Plot (Title and location of plot).

16. Investment Documents.

17. Safety Deposit Box.

18. Prepaid Funeral Plan (Title and details).

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Appendix C

G E N E R A L C H E C K L I S T

1. Contact Funeral Director (Identity should have been predetermined).

2. If deceased or spouse was a member of the Society, contact local chapter

and National Headquarters. (See Appendix D for sample letter.) As time

permits send obituary with picture to the Grapevine .

NOTE: As a safeguard. The Chapter Family Assistance Committee will

make arrangements, if necessary, to have a member of the Society

present in the residence during the time the family is away.

3. Contact other organizations of which decedent was a member.

4. Obtain at least 10 copies of Certified Death Certificate from Funeral Director.

5. Locate important papers. (See Appendix A.1 and/or A.2.)

6. Contact local life insurance agent or home office of insurance company.

(See Appendix L for sample letter.)

7. Obtain legal advice from attorney.

8. If decedent was a U. S. Government employee or retiree, notify the Office of

Personal Management (OPM) immediately. (See Appendix E for sample

letter.)

9. If decedent was a veteran, contact nearest VA office or write to

regional office. (See Appendix K for sample letter.)

10. If decedent was receiving Social Security payments, contact nearest Social

Security office. (See Appendix J for sample letter.)

11. Contact current employer, if any, and/or any business associates of

decedent. (See Appendix N for sample letter.)

12. Gather all current bills. (Be aware that a considerable time may elapse

before all bills are received.)

13. Make certain property is protected by insurance.

14. Make photocopies of all forms, documents or letters sent out in case of loss or delay.

15. Send all correspondence by "Certified Mail - Return Receipt Requested".

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Appendix D

(Date)

Society of Former Special Agents of the FBI, Inc.
3717 Fettler Park Drive
Dumfries, VA 22025-2048

This is to advise you of the death of the individual listed below.

Name of deceased_________________________________________________

Residence at time of death__________________________________________

_______________________________________________________________

Date of Death___________________Date of Birth_______________________

Member of Society?________ Name of Chapter_________________________

FBI Service - From____________________ To_________________________

Has Chapter Family Assistance Committee been notified?_________________

If deceased not a Society member, name and relationship to member:

_______________________________________________________________

Does survivor desire to receive the Grapevine ?__________________________

If deceased had life insurance coverage through the Society, send appropriate claim forms to below-noted beneficiary.

Beneficiary_______________________________________________________

Relationship to Deceased____________________________________________

Residence of Beneficiary____________________________________________

________________________________________________________________

Group Policy Number_______________Certificate Number________________

Please furnish the undersigned with claim forms for available benefits, if any, at the address below.

Sincerely,

_______________________________
(Signature)

_______________________________
(Type or print name)

_______________________________
(Type or print address)

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Appendix E

(Date)

Office of Personnel Management
Retirement Operations Center
P. O. Box 45
Boyers, PA 16017-0045

Subject: ( ) Death of Annuitant

( ) Death of the spouse of a Federal Annuitant

( ) Death of a Survivor Annuitant

Name of Deceased ________________________________________________

CSRS/FERS #: _______________ Social Security #______________________

Date of Death______________________ Date of Birth___________________

My relationship to the deceased: ( ) Spouse (or)

( ) Relative (specify)_______________________________________

( ) Other (specify: funeral home, friend, etc.) ___________________

If Spouse, Social Security #:________________Date of Birth______________

I request the following change in enrollment in the Federal Employee Health

Benefits program:

( ) Change from "Self & Family" to "Self Only".

( ) Continue "Self & Family" enrollment inasmuch as deceased is

survived by eligible dependents.

Death Certificate: ( ) is enclosed. ( ) will be included with claims.

Submitted by:

Name:__________________________________________________________

Phone and FAX #'s: ________________________________________________

Best time to call __________________________________________________

Address: ________________________________________________________

________________________________________________________

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Appendix F

(Date)

Office of Personnel Management
Retirement Operations Center
P. O. Box 45
Boyers, PA 16017-0045

Re: Retired Employee's Change in Marital Status

I elected a reduced annuity to provide survivor benefits for my spouse following my death. I am not now married and apply to have my annuity raised to the full amount.

NAME (Please print)_______________________________________________

CSRS/FERS number___ Date of birth_

Address____________________________________________________________
____________________________________________________________ _______

Date of retirement: ________________Date marriage terminated:___________

Marriage terminated by (Check appropriate box):

Divorce or annulment ( ) (Copy of final decree attached)
D eath ( ) Certified copy of Spouse's Death
( Certificate attached)

Sincerely,

_________________________________
(Signature)
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Appendix G

(Date)

Office of Personnel Management
Retirement Operations Center
P. O. Box 45
Boyers, PA 16017-0045

Re: Retired Employee's Change in Marital Status

I originally elected a reduced annuity to provide survivor benefits for my spouse following my death. My spouse died on_________________________ following which I was restored to full annuity. I am now remarried (or I plan to remarry) and wish to provide survivorship benefits for my new spouse. Certified copy of Marriage Certificate enclosed (or will be forwarded).

NAME (Please print)______________________________________________

CSRS/FERS number________________________ Date of Birth___________

Address_________________________________________________________

________________________________________________________________

Date of retirement_____________Date restored to full annuity_____________

Date of second marriage _____________________

Name of new spouse_______________________________________________

To provide for this survivorship benefit, I understand that a deduction will be made from my monthly annuity which will include, in addition to the regular deduction of approximately 10%, an amount required, based on my age, to cover the difference between the amount I received while on full annuity and the amount I would have received had deductions for survivorship benefits been made, plus interest. Please advise the amount of this monthly deduction.

Sincerely,

________________________
(Signature)

________________________
(Phone Number)

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Appendix H

(Date)

Special Agents Mutual Benefit Association, Inc.
11301 Old Georgetown Road
North Bethesda, MD 20852

Re: Notification of Death

I regret to inform you of the death of the person identified below. Please search your records to determine if the deceased was covered under any life insurance or other plans administered by SAMBA. A Certified copy of the Death Certificate is enclosed. If life insurance is payable, kindly forward the appropriate claim form to the designated beneficiary.

INFORMATION ABOUT THE DECEASED

NAME _________________________________________________________

SSN:________________________ Date of Birth:_______________________

Date of Death__________________ Cause of Death_____________________

PERSON TO CONTACT FOR ADDITIONAL INFORMATION

Name: _________________________________________________________

Address: ________________________________________________________

________________________________________________________

Daytime Telephone: _______________________________________________

Relationship to Deceased ___________________________________________

Sincerely,

_____________________________
(Signature)

Enclosure: Death Certificate

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Appendix I

(Date)

SATI Administrator
C/O Wright USA
706 Philadelphia Blvd, Suite 1
Wilmington, DE 19809
800-424-9801 • FAX 302-483-0230

Re: Notification of Death

I regret to inform you of the death of the person identified below. Please search your records to determine if the deceased was covered under any life insurance or other plans administered by SATI. A Certified copy of the Death Certificate is enclosed. If life insurance is payable, kindly forward the appropriate claim form to the designated beneficiary.

INFORMATION ABOUT THE DECEASED

NAME _________________________________________________________

SSN:________________________ Date of Birth:_______________________

Date of Death__________________ Cause of Death_____________________

PERSON TO CONTACT FOR ADDITIONAL INFORMATION

Name: _________________________________________________________

Address: ________________________________________________________

________________________________________________________

Daytime Telephone: _______________________________________________

Relationship to Deceased ___________________________________________

Sincerely,

_____________________________
(Signature)

Enclosure: Death Certificate

(back to Index)

Appendix J

(Sample letter to local office of the Social Security Administration - Obtain address from Funeral Director)

(Date)

TO: [Name and address of the local office]

I understand my Funeral Director has advised you of the death of

_____________________________________________ on________________

Social Security Number ________________________________

As the surviving spouse, I would like to meet with one of your representatives to discuss any benefits due me.

Please schedule me for an appointment preferably on ________________

or_____________________________

(alternate time and date)

I have available and shall bring with me certified copies of the Death Certificate, our marriage certificate, our birth certificates, as well as those of our dependent children, and our Social Security cards. If anything else is needed please inform me.

Sincerely,

_______________________________
(Signature)

_______________________________
(Name typed or printed)

_______________________________
(Address typed or printed)

_______________________________
(Telephone Number)

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Appendix K

Department of Veterans Affairs
Regional Office and Insurance Center
P. O. Box 7208
Philadelphia, PA 19101
800-827-1000

(Date)

Re:_________________________________

(Full name of deceased)

The above-named individual passed away on ______________. I would like to be advised of any benefits due his/her survivors. Listed below is what information I possess concerning the deceased. I have a Certified copy of the Death Certificate and the Insurance policy. If any additional information is needed please advise me.

MILITARY SERVICE NUMBER__________________________________

VA CLAIM NUMBER___________________________________________

NATIONAL LIFE INSURANCE NUMBER____________________________

BRANCH OF SERVICE____________________________________________

(Army, Navy, etc.)

PERIOD OF SERVICE: From________________ To__________________

Sincerely,

____________________________
(Signature)

______________________________
(Type or print name)

______________________________
Type or print address)

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Appendix L

(Sample Letter to Life Insurance Company)

(Date)

TO: [Name and address of insurance company]

Re: Death of Policy Holder.

This is to advise of the death of the policy holder listed below. Please forward to the beneficiary listed below the necessary instructions required to submit a claim for proceeds of this policy and the options of settlement. Also, it would be appreciated if you would check your files for any other coverage the decedent had with your company.

NAME OF DECEASED_____________________________________

RESIDENCE AT TIME OF DEATH___________________________

DATE OF DEATH_______________DATE OF BIRTH___________

SOCIAL SECURITY NUMBER______________________________

INSURANCE POLICY NUMBER(s)___________________________

BENEFICIARY____________________________________________

RESIDENCE OF BENEFICIARY_____________________________

_________________________________________________________

Sincerely,

______________________________
(Signature)

______________________________
(Relationship to Deceased)

______________________________
(Print Name)

______________________________
(Print Address)

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Appendix M

(Sample Letter to organization of which deceased was a member)

(Date)

TO: (Name and address of organization)

RE: Death of Member

I regret to inform you that ___________________________________
(Name of Decedent)

passed away on __________________________.

Please inform me whether he was covered by a life insurance plan or had any other survivor benefits through his membership in your organization.

If so, please advise what documents are necessary for a claim to be filed his by beneficiary(s).

Sincerely,

______________________________
(Signature)

______________________________
(Type of print name)

______________________________
(Relationship to deceased)

______________________________
(Type or print address)

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Appendix N

(Sample Letter to Employer of Deceased)

(Date)

TO: [Name and address of employer]

RE: Death of Employee

I regret to inform you that __________________________________

passed away on ____________.
(Date)

It would be greatly appreciated if you could inform me of any benefits that might be due his/her beneficiaries, such as group life insurance coverage, pension funds, any accrued vacation or sick pay, terminal pay allowance, rewards, unpaid compensation, disability pay, balance in credit union, death benefits, or any other information that might be of value to the beneficiaries.

Please send me a list of any such benefits and any required documents and the forms necessary to claim any amounts due the beneficiaries.

Sincerely,

__________________________________

(Signature)

__________________________________
(Type or print name)

__________________________________
(Relationship to deceased)

_________________________________
(Type or print address)

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A P P E N D I C E S

Appendix A.1

________________________________________________________________

(back to Index)

Appendix A.2

________________________________________________________________

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Appendix F

CSRS/FERS number___________________ Date of birth_________________

PERSON TO CONTACT FOR ADDITIONAL INFORMATION

PERSON TO CONTACT FOR ADDITIONAL INFORMATION

MILITARY SERVICE NUMBER__________________________________

VA CLAIM NUMBER___________________________________________

NATIONAL LIFE INSURANCE NUMBER____________________________

CSRS/FERS number___ Date of birth_