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Regardless of your age when you retire, the retiree life benefits under FEGLI don’t start until you reach age 65. Retiree life options under FEGLI allow for employees to gradually reduce their insurance while discontinuing their premiums. If you retire from federal service prior to age 65, you will continue to pay your FEGLI premiums at the same rates as an active employee.
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Q: What are waiting periods?
Waiting periods are time deductibles that begin the day you become disabled. These deductibles are based on calendar days and each of our plan options offer the following waiting periods:

Long Term Disability (LTD):  depends on your plan

  • Basic: 30 days
  • Premium - 30: 30 days
  • Premium - 180: 180 days
  • Premium Plus: 30 days

If you enrolled in the FedAdvantage supplemental disability programs prior to 1/1/2014, please Contact Us: Service Center Contact Form for your specific plan details.