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You pay 100% of the premiums for your FEGLI Option B coverage. Unlike your Basic Life coverage which offers a level premium for all employees; Option B charges based on your age and the premiums increase every 5 years. Since Option B provides the most life insurance coverage under FEGLI it's the most expensive.

FEGLI charges the same rates regardless of whether or not you smoke, your overall health or if you are a male or female. If you don’t smoke and are reasonably healthy or if you are a female you may be overpaying for your Option B coverage.

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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.