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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: Is there a pre-existing condition?
While no medical questionnaire is required to enroll in the disability insurance program, please be aware that a Preexisting Condition provision applies if you become disabled within 24 months of becoming insured.

A Preexisting Condition is a mental or physical condition whether or not diagnosed or misdiagnosed for which you have:
  • Consulted a physician or other licensed medical professional; 
  • Received medical treatment, services or advice;
  • Undergone diagnostic procedures, including self-administered procedures; or
  • Taken prescribed drugs or medications

Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.