[Federal Register Volume 60, Number 115 (Thursday, June 15, 1995)]
[Rules and Regulations]
[Pages 31371-31375]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 95-14574]
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Rules and Regulations
Federal Register
________________________________________________________________________
This section of the FEDERAL REGISTER contains regulatory documents
having general applicability and legal effect, most of which are keyed
to and codified in the Code of Federal Regulations, which is published
under 50 titles pursuant to 44 U.S.C. 1510.
The Code of Federal Regulations is sold by the Superintendent of Documents.
Prices of new books are listed in the first FEDERAL REGISTER issue of each
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Federal Register / Vol. 60, No. 115 / Thursday, June 15, 1995 / Rules
and Regulations
[[Page 31371]]
OFFICE OF PERSONNEL MANAGEMENT
5 CFR Parts 870, 871, 872, 873, and 874
RIN 3206-AG79
Federal Employees' Group Life Insurance Program: Living Benefits
AGENCY: Office of Personnel Management.
ACTION: Interim regulations with request for comments.
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SUMMARY: The Office of Personnel Management (OPM) is issuing interim
regulations to implement the ``FEGLI Living Benefits Act'' of 1994.
This law requires OPM to issue regulations which state: that under the
Federal Employees' Group Life Insurance (FEGLI) Program, basic life
insurance may be elected to be paid to an insured individual who is
certified as terminally ill with a life expectancy of 9 months or less;
that an employee may elect that the basic benefit be paid in total or,
in part in multiples of $1,000; that annuitants may elect only the
total amount of basic; that there will be no increase in the actuarial
value of the benefit; that OPM will have an Open Season of at least 8
weeks duration beginning prior to the effective date of the law, during
which employees who are not currently enrolled in basic may elect it;
and that define an application process.
DATES: These interim regulations are effective June 15, 1995. Comments
must be received on or before August 14, 1995.
ADDRESSES: Send written comments to Lucretia F. Myers, Assistant
Director for Insurance Programs, Retirement and Insurance Service,
Office of Personnel Management, P.O. Box 57, Washington, DC 20044; or
deliver to OPM, Room 3451, 1900 E Street NW., Washington, DC; or FAX to
(202) 606-0633.
FOR FURTHER INFORMATION CONTACT: Faith M. Hannon, (202) 606-0004.
SUPPLEMENTARY INFORMATION: Public Law 103-409, the ``FEGLI Living
Benefits Act'', requires OPM to regulate a FEGLI Open Season in 1995 of
at least 8 weeks duration prior to the effective date of the law, July
25, 1995. The law also requires OPM to regulate provisions for: the
election by a terminally ill individual covered by FEGLI basic
insurance of a lump sum payment of basic insurance as a Living Benefit;
the reduction of the Living Benefit so that it is actuarially
equivalent to the basic insurance benefit that would have been paid in
the absence of a Living Benefit election; and an application process.
These interim regulations allow OPM to implement the statutory
requirements of the law prior to its effective date.
Open Season
The interim regulations provide that OPM will hold a 9-week FEGLI
Open Season from May 22, 1995, through July 21, 1995. The Open Season
will be of 9 weeks duration to allow for the 2 legal holidays during
this period. During this Open Season, employees who have waived or
cancelled basic insurance and who are not excluded from eligibility by
law or regulation, may enroll in basic insurance only. Optional
insurance may not be elected or increased during this Open Season. This
Open Season is limited to election of basic insurance because its
purpose is to implement the Living Benefits Act which only applies to
basic insurance.
Employees who have been on Leave Without Pay for 12 or more months,
compensationers who have been on Leave Without Pay for 12 or more
months, and annuitants, may not participate in this Open Season. The
law specifically limits participation in the Open Season to employees
as defined by section 8701(a) of title 5, United States Code.
The effective date of basic insurance elected during this Open
Season will be the first day of the first pay period beginning on or
after the date the employing office received the enrollment form.
Unlike in previous Open Seasons, there will be no requirement for the
employee to be in a pay and duty status for the enrollment elected
during this Open Season to become effective. The legislative intent of
this law clearly was to make a Living Benefit available to the greatest
number of eligible employees possible. It would be contrary, therefore,
to the intent of the law to require that employees be in a pay and duty
status before the Open Season election becomes effective. However, we
must emphasize that it is OPM's firm intent to have a pay and duty
status requirement for coverage elections to be effective in any and
all future FEGLI Open Seasons.
An election during this Open Season will not be considered a first
opportunity to enroll for purposes of meeting the requirements to carry
life insurance into retirement. In order to carry coverage elected
during this Open Season into retirement, the coverage must be in effect
for the 5 years of service immediately preceding the date of
retirement, or for the entire period(s) of service during which it was
available, if less than 5 years.
Living Benefits
Public Law 103-409 requires that terminally ill employees who have
FEGLI basic insurance be allowed to elect as a Living Benefit either a
lump-sum payment of the total amount of their basic insurance or a
partial payment of their basic insurance in a multiple of $1,000.
Eligible compensationers and annuitants may only elect to receive a
lump-sum payment of the total amount of their basic insurance. The law
also defines a terminally ill individual as one who has been certified
as having a life expectancy of 9 months or less. The Living Benefits
Act does not apply to and has no effect on Optional Insurance.
This interim regulation specifies the parameters of the total/
partial requirements of the law and also explains that a Living Benefit
election will either reduce the accidental death and dismemberment
coverage upon an effective election of a partial Living Benefit or
terminate the accidental death and dismemberment coverage upon an
effective election of a total Living Benefit. In addition, this
regulation describes how the Basic Insurance Amount (BIA) will be
reduced in proportion to the amount elected for a partial Living
Benefit. The remaining BIA, or post-election BIA, will not change after
the computation of the partial Living Benefit regardless if there is a
change in other circumstances, e.g., salary, or age. When the insured
[[Page 31372]] dies, the remaining BIA will be multiplied by the age
factor that was in effect at the time the completed Living Benefit
application was received by the Office of Federal Employees' Group Life
Insurance (OFEGLI) in order to compute the final payment of basic
insurance benefits.
Once an insured has made an effective Living Benefit election, that
election is irrevocable. In addition, an insured may make only one
Living Benefit election. That is to say, the insured who has made a
partial Living Benefit election may not make a subsequent Living
Benefit election for any portion of the remaining basic insurance.
Assignments
This regulation stipulates that individuals who have assigned their
insurance under the authority of 5 U.S.C. 8706(e) may not elect a
Living Benefit and that those individuals who have elected a Living
Benefit may not assign their insurance.
Actuarial Reduction
OPM is required by law to assure that there is not an increase in
the actuarial value of the benefit paid. This is accomplished by
regulating that the amount of Living Benefit payment is actuarially
reduced to account for the amount of interest lost to the Employees'
Life Insurance Fund (Fund) and the time difference between when the
Living Benefit payment is made and when the death benefits would have
been paid in the absence of a Living Benefit election. The actuarial
reduction will be based on an assumption of the interest rate and the
time period that reflects the earlier payment date. Initially, the
actuarial reduction will be 4.9 percent of the benefit. This 4.9
percent actuarial reduction factor will change, if necessary, after
Living Benefits have been in effect long enough to analyze the
experience. Any change in the actuarial reduction factor will be
published in the Federal Register.
Withholdings and Contributions
This interim regulation specifies that the withholdings and
contributions for basic insurance will terminate at the end of the pay
period in which a total Living Benefit election is effective. The
withholdings and contributions for basic insurance after a partial
Living Benefit has been elected will be based on the remaining BIA
(post-election BIA) in effect at the end of the pay period in which the
Living Benefit election is effective. A Living Benefit election is
effective on the date the Living Benefit payment check is cashed or
deposited.
Application Process
OPM is required by law to regulate the application process.
Therefore, this regulation provides how an insured individual may apply
for the Living Benefit through OFEGLI and the subsequent steps that
need to occur in order for a Living Benefit to be paid. Only the
insured individual may make a Living Benefit election. No one else,
e.g., a spouse, a guardian, or someone with a power of attorney, may
make a Living Benefit election on the insured's behalf. It also
explains that, if the physician's certification of the nature of the
illness and the life expectancy of the insured are not sufficient for
OFEGLI to approve or disapprove the application, OFEGLI may request
additional medical evidence from the attending physician. If necessary,
OFEGLI may then also request a medical examination of the insured at
OFEGLI's expense.
Additional Information
Detailed guidance will be provided to agencies and employing
offices through Benefits Administration Letters (BAL's) and Payroll
Office Letters. This information and guidance will address the
obligations of the agencies and employing offices in the administration
of the Living Benefit.
OPM believes that, at this time, it is required to withhold 10% of
the Living Benefit payment for Federal and/or State taxes unless the
insured requests on the application that the amount for taxes not be
withheld. This policy is subject to change if applicable tax law or
regulations change.
Waiver of Notice of Proposed Rulemaking
Pursuant to section 553(b)(3)(B) of title 5 of the U.S. Code, I
find that good cause exists for waiving the general notice of proposed
rulemaking. OPM must issue regulations to implement Public Law 103-409,
which is effective July 25, 1995. In addition, employing offices need a
certain amount of lead time in order to implement the regulations by
the effective date. These concerns make it impractical to publish
proposed regulations.
Regulatory Flexibility Act
I certify that this regulation will not have a significant economic
impact on a substantial number of small entities because the
regulations primarily affect individuals currently enrolled under the
Federal Employees' Group Life Insurance Program and those Federal
employees who would enroll during this mandated Open Season.
List of Subjects
5 CFR Part 870
Administrative practice and procedure, Government employees,
Hostages, Iraq, Kuwait, Lebanon, Life insurance, Retirement.
5 CFR Part 871
Administrative practice and procedure, Government employees, Life
insurance, Retirement.
5 CFR Part 872
Administrative practice and procedure, Government employees, Life
insurance, Retirement.
5 CFR Part 873
Administrative practice and procedure, Government employees, Life
insurance, Retirement.
5 CFR Part 874
Government employees, Life insurance, Retirement.
Office of Personnel Management.
James B. King,
Director.
Accordingly, OPM is amending 5 CFR parts 870, 871, 872, 873, and
874 as follows:
PART 870--FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM
1. The authority citation for part 870 is revised to read as
follows:
Authority: 5 U.S.C. 8716; Sec. 870.202(c) also issued under 5
U.S.C. 7701(b)(2); subpart J is also issued under section 599C of
Pub. L. 101-513, 104 Stat. 2064, as amended; subpart K is also
issued under Pub. L. 103-409.
2. In Sec. 870.203, paragraph (e) is added to read as follows:
Sec. 870.203 Effective dates of insurance.
* * * * *
(e) An open enrollment election of basic life insurance filed
during the period from May 22, 1995, through July 21, 1995, is
effective on the 1st day of the first pay period beginning on or after
the date the employing office received the enrollment form. There is no
requirement to be in a pay and duty status for the enrollment to be
effective.
3. In Sec. 870.204, paragraph (h) is added to read as follows:
Sec. 870.204 Waiver and cancellation of waiver of insurance coverage.
* * * * *
(h)(1) An Open Season will be held from May 22, 1995, through July
21, 1995, during which time employees otherwise eligible for coverage
may [[Page 31373]] cancel their existing waivers of coverage by
affirmatively electing to be insured on a form designated by OPM.
(2) An employing office may make a determination, within 6 months
after the May 22, 1995, through July 21, 1995, Open Season, that an
employee was unable, for cause beyond his/her control, to cancel his/
her then existing waiver of coverage by affirmatively electing to be
insured during the 1995 Open Season. The employee will be permitted to
submit an affirmative election of coverage within 31 days after he/she
is advised of that determination. Basic life insurance coverage in that
case is retroactive to the 1st day of the first pay period beginning on
or after July 21, 1995.
4. In Sec. 870.301, paragraph (c) is added to read as follows:
Sec. 870.301 Basic insurance amount (BIA).
* * * * *
(c) The post-election BIA of an employee who elected a partial
Living Benefit is the BIA as of the date OFEGLI received the completed
Living Benefit application reduced by the percentage which the partial
lump-sum payment represents of the pre-election BIA multiplied by the
age factor as stated in Sec. 870.301(b)(rounded up or down to the
nearest multiple of $1,000 or, if midway between multiples, to the next
higher multiple of $1,000). The post-election BIA will not change after
the effective date of the partial Living Benefit election. For purposes
of computing the payment of benefits upon the death of the insured
individual who elected a partial Living Benefit, the BIA will be
multiplied by the age factor in effect as of the date OFEGLI received
the completed Living Benefit application.
5. Section 870.402 is added to read as follows:
Sec. 870.402 Withholdings and contributions following a Living
Benefits election.
(a) The basic insurance withholding for an insured individual who
has elected a total payment of basic insurance for a Living Benefit
will cease the end of the pay period in which the election of Living
Benefits is effective.
(b) The amount withheld for basic insurance from the pay of an
insured employee who has elected a partial Living Benefit will be based
on the amount of BIA remaining after the partial Living Benefit
election is effective.
(c) The amount withheld for basic insurance from the annuity of an
annuitant who elected a partial Living Benefit as an employee will be
based on the amount of BIA remaining after the partial Living Benefit
election is effective.
(d) The amount withheld for basic insurance from the compensation
of a compensationer who elected a partial Living Benefit as an employee
will be based on the amount of BIA remaining after the partial Living
Benefit election is effective.
6. In Sec. 870.501, paragraph (a) is revised to read as follows:
Sec. 870.501 Termination and conversion of insurance coverage.
(a) Except as provided in Secs. 870.601 and 870.701, the basic
insurance of an insured employee stops on the date of his/her
separation from the service, subject to a 31-day extension of basic
life insurance coverage, or on the effective date of a full Living
Benefits election.
* * * * *
7. In Sec. 870.601, paragraphs (c) introductory text and (c)(4) are
revised to read as follows:
Sec. 870.601 Eligibility for life insurance.
* * * * *
(c) An individual who makes an election under paragraph (b) of this
section must select one of the following options, except that those
individuals who have elected a partial Living Benefit must select the
option under paragraphs (c)(1) or (c)(4) of this section:
* * * * *
(4) Continuation or reinstatement of basic life insurance coverage
with no reduction after age 65, and with continuous premiums withheld
from annuity. An insured individual may cancel an election under
paragraphs (c)(3) or (c)(4) of this section at any time, except for
those individuals who have elected a partial Living Benefit as an
employee. An insured individual who has elected a partial Living
Benefit may only cancel an election under paragraph (c)(4) of this
section if he/she is electing to terminate the insurance under
paragraph (c)(1) of this section.
* * * * *
8. In Sec. 870.602 the current paragraph is redesignated as
paragraph (a) and paragraph (b) is added to read as follows:
Sec. 870.602 Amount of life insurance.
* * * * *
(b) The post-election BIA of an annuitant who elected a partial
Living Benefit as an employee is the BIA as of the date OFEGLI received
the completed Living Benefit application reduced by the percentage
which the partial lump-sum payment represents of the pre-election BIA
multiplied by the age factor as stated in Sec. 870.301(b) (rounded up
or down to the nearest multiple of $1,000 or, if midway between
multiples, to the next higher multiple of $1,000). For the purpose of
computing the payment of benefits upon the death of an insured
annuitant who elected a partial Living Benefit as an employee, the BIA
will be multiplied by the age factor in effect as of the date OFEGLI
received the completed Living Benefit application.
9. In Sec. 870.701, paragraphs (c) introductory text and (c)(4) are
revised to read as follows:
Sec. 870.701 Eligibility for life insurance.
* * * * *
(c) An individual who makes an election under paragraph (b) of this
section must select one of the following options, except that those
individuals who have elected a partial Living Benefit must select the
option under paragraphs (c)(1) or (c)(4) of this section:
* * * * *
(4) Continuation or reinstatement of basic life insurance coverage
with no reduction after age 65, and with continuous premiums withheld
from compensation. An insured individual may cancel an election under
paragraphs (c)(3) or (c)(4) of this section at any time, except for
those individuals who have elected a partial Living Benefit as an
employee. An insured individual who has elected a partial Living
Benefit may only cancel an election under paragraph (c)(4) of this
section if he/she is electing to terminate the insurance under
paragraph (c)(1) of this section.
* * * * *
10. In Sec. 870.702 the current paragraph is redesignated as
paragraph (a) and paragraph (b) is added to read as follows:
Sec. 870.702 Amount of life insurance.
* * * * *
(b) The post-election BIA of a compensationer who elected a partial
Living Benefit as an employee is the BIA as of the date OFEGLI received
the completed Living Benefit application reduced by the percentage
which the partial lump-sum payment represents of the pre-election BIA
multiplied by the age factor as stated in Sec. 870.301(b) (rounded up
or down to the nearest multiple of $1,000 or, if midway between
multiples, to the next higher multiple of $1,000). For the purpose of
computing the payment of benefits upon the death of an insured
compensationer who elected a partial Living Benefit as an employee, the
BIA will be multiplied by the age factor in effect as of the date
OFEGLI received the completed Living Benefit application.
[[Page 31374]]
11. In Sec. 870.801 the current paragraph is redesignated as
paragraph (a) and paragraph (b) is added to read as follows:
Sec. 870.801 Assignments.
* * * * *
(b) If an individual has assigned his/her insurance, he/she may not
elect a Living Benefit and if an individual has elected a Living
Benefit, he/she may not assign his/her insurance.
12. In part 870, subpart K is added to read as follows:
Subpart K--FEGLI Living Benefits
Sec.
870.1101 Purpose.
870.1102 Definitions.
870.1103 Open season.
870.1104 Living benefits.
870.1105 Actuarial reduction.
870.1106 Withholdings and contributions for basic insurance.
870.1107 Application procedures.
Subpart K--FEGLI Living Benefits
Sec. 870.1101 Purpose.
This subpart sets forth the circumstances under which employees may
enroll in basic insurance during the 1995 Open Season and terminally
ill individuals enrolled in basic insurance may elect to receive a
payment of their basic insurance as a Living Benefit on or after July
25, 1995.
Sec. 870.1102 Definitions.
In this subpart--
Effective date of Living Benefits election means the date on which
the Living Benefits payment is cashed or deposited.
Terminally ill means the individual has a medical prognosis of a
life expectancy of 9 months or less.
Sec. 870.1103 Open season.
(a) An Open Season will be held from May 22, 1995, through July 21,
1995, during which time an employee who has waived or cancelled basic
insurance and is not excluded from eligibility by law or under
Sec. 870.202 of subpart B, may enroll in basic insurance only. Optional
insurance may not be elected or increased during this Open Season.
Employees who have been on Leave Without Pay for 12 or more months,
compensationers who have been on Leave Without Pay for 12 or more
months, and annuitants, may not participate in this Open Season.
(b) The effective date of basic insurance elected during this Open
Season is the 1st day of the first pay period beginning on or after the
date the employing office received the enrollment form. There is no
requirement to be in a pay and duty status for the enrollments elected
during this Open Season to become effective.
Sec. 870.1104 Living benefits.
(a) An individual who is covered by basic insurance and who is
certified as terminally ill, as defined in Sec. 870.1102, may elect to
receive a lump-sum payment of basic insurance on or after July 25,
1995. Only the insured individual may make a Living Benefits election.
(b)(1) An employee may elect to receive the basic insurance in
total or in part, in a multiple of $1,000.
(2) A compensationer or an annuitant may only elect to receive a
lump-sum payment of the total amount of basic insurance.
(c) If the employee elects to receive a partial payment of basic
insurance, the remaining BIA, the post-election BIA, will be reduced in
proportion to the amount of basic insurance elected as a Living
Benefit, as prescribed by Pub. L. 103-409. The post-election BIA will
not change after the effective date of the partial Living Benefit
election. Only the basic benefits remaining will be payable at death.
(d)(1) If the employee receives the total amount of basic insurance
as a Living Benefit, accidental death and dismemberment coverage will
terminate as of the effective date of election.
(2) If the employee receives a partial payment of basic insurance
as a Living Benefit, accidental death and dismemberment coverage will
be reduced to equal the post-election BIA.
(e) Once an election of Living Benefits has become effective, the
election may not be revoked and no further election of Living Benefits
may be made.
(f) If an individual has assigned his/her insurance, he/she may not
elect a Living Benefit and if an individual has elected a Living
Benefit, he/she may not assign his/her insurance.
Sec. 870.1105 Actuarial reduction.
The amount of basic insurance elected as a Living Benefit will be
reduced in order to produce a basic insurance benefit that is
actuarially equivalent, to the extent practicable, to the basic
insurance benefit of those who do not elect to receive a Living
Benefit. The actuarial reduction will be based on assumptions of the
amount of interest lost to the Fund because of the early payment and
the time difference between when the Living Benefit payment is made and
when the death benefits would have been paid in the absence of a Living
Benefits election.
Sec. 870.1106 Withholdings and contributions for basic insurance.
(a) Withholdings and contributions for basic insurance for those
individuals who receive a lump-sum payment of their total basic
insurance as a Living Benefit will terminate at the end of the pay
period in which the Living Benefit election is effective.
(b) Withholdings and contributions for basic insurance for those
employees who receive a lump-sum payment of a partial amount of their
basic insurance as a Living Benefit will be reduced in proportion to
the amount of benefit elected and will be based on the post-election
BIA in effect at the end of the pay period in which the Living Benefit
election is effective.
Sec. 870.1107 Application procedures.
(a) The insured individual must request information on Living
Benefits and an application form directly from OFEGLI.
(b) The insured individual must complete the first part of the
application (General Information) and have his/her physician complete
the second part of the application (Physician's Statement). The insured
then submits the completed application directly to OFEGLI.
(c)(1) OFEGLI will review the application and the certification by
the physician of the nature of the illness and that the insured is
terminally ill, with a life expectancy of 9 months or less.
(2) If additional information is needed, OFEGLI will contact the
insured or the insured's physician.
(3) Under certain circumstances, OFEGLI may require a medical
examination prior to making an approval decision. In these cases,
OFEGLI will be financially responsible for the cost of the medical
examination.
(d)(1) If the application is approved, OFEGLI will send the insured
a check for the Living Benefit payment and an explanation of benefits.
In addition, once the payment has been cashed or deposited, OFEGLI will
send explanations of benefits to the insured's employing office and
payroll office so that they will change basic insurance withholdings
and contributions in accordance with Sec. 870.1106.
(2) If the application is not approved, OFEGLI will notify the
insured individual and the employing office. The decision will not be
subject to administrative review. However, the insured individual may
reapply at a later date if future circumstances
warrant. [[Page 31375]]
PART 871--STANDARD OPTIONAL LIFE INSURANCE
13. The authority citation for part 871 continues to read as
follows:
Authority: 5 U.S.C. 8716.
14. In Sec. 871.501, paragraph (a) is revised to read as follows:
Sec. 871.501 Termination and conversion of insurance.
(a) The standard optional insurance of an insured person stops when
his/her basic insurance stops as provided in Sec. 870.501 of this
chapter, subject to a 31-day extension of standard optional life
insurance coverage, except when the basic insurance stops due to a full
Living Benefits election, in which case the standard optional insurance
will continue unless voluntarily cancelled by the insured.
* * * * *
PART 872--ADDITIONAL OPTIONAL LIFE INSURANCE
15. The authority citation for part 872 continues to read as
follows:
Authority: 5 U.S.C. 8716.
16. In Sec. 872.501, paragraph (a) is revised to read as follows:
Sec. 872.501 Termination and conversion of insurance.
(a) The additional optional insurance of an insured person stops
when his/her basic insurance stops as provided in Sec. 870.501 of this
chapter, subject to a 31-day extension of additional optional insurance
coverage, except when the basic insurance stops due to a full Living
Benefits election, in which case the additional optional insurance will
continue unless voluntarily cancelled by the insured.
* * * * *
PART 873--FAMILY OPTIONAL LIFE INSURANCE
17. The authority citation for part 873 continues to read as
follows:
Authority: 5 U.S.C. 8716.
18. In Sec. 873.501, paragraph (a) is revised to read as follows:
Sec. 873.501 Termination and conversion of insurance.
(a) The family optional insurance of an insured person stops when
his/her basic insurance stops as provided in Sec. 870.501 of this
chapter, subject to a 31-day extension of family optional insurance
coverage, except when the basic insurance stops due to a full Living
Benefits election, in which case the family optional insurance will
continue unless voluntarily cancelled by the insured.
* * * * *
PART 874--ASSIGNMENT OF LIFE INSURANCE
19. The authority citation for part 874 continues to read as
follows:
Authority: 5 U.S.C. 8716.
20. In Sec. 874.201, paragraph (g) is added to read as follows:
Sec. 874.201 Assignments permitted.
* * * * *
(g) An insured individual who has elected a Living Benefit may not
assign his/her insurance and an insured individual who has assigned
his/her insurance may not elect a Living Benefit.
[FR Doc. 95-14574 Filed 6-14-95; 8:45 am]
BILLING CODE 6325-01-P
