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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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General *
Disability Insurance *
Accident Insurance *
Critical Illness Insurance *
Q: What is Critical Illness insurance?
A lump sum benefit paid directly to you when you or a dependent is diagnosed with a covered illness...
Q: How does Critical Illness coverage work?
You and your dependents are eligible for coverage. You choose the amount of coverage ($10,000; $20,000; $30,000)...
Q: Why consider a benefit like Critical Illness Insurance?
Critical Illness Insurance is designed to complement your health plan and provide an additional financial safety net if...
Q: Why do I need Critical Illness Insurance?
Critical Illness Insurance can help relieve Federal Employees of the financial impact of an illness....
Q: What does Critical Illness insurance cover?
Some people may end up using the lump sum to pay for everyday expenses such as mortgage or rent, groceries, increased costs associated with child care as significant others are...
Q: How much Critical Illness coverage am I able to purchase?
Federal Employees may purchase 3 levels of coverage....
Q: What should I consider when making an enrollment decision on Critical Illness Insurance?
If I was diagnosed with a serious critical illness (one that was covered by this policy) do I have enough savings that I would be able to pay for...
Q: Am I eligible for Critical Illness insurance?
You’re eligible for coverage if you’re a full-time Federal Employee and work 20 hours per week....
Q: Is there a Critical Illness insurance guarantee?
For Federal Employees this coverage is guaranteed issue, no denials....
Q: Can I take my Critical Illness insurance coverage if I leave my job?
Coverage is also portable, so if you terminate your employment you may continue your coverage under a group plan at group rates....
Q: Is there an example that demonstrates how to use the Critical Illness insurance?
Rachel's story shows how Federal Employees might use this insurance....
Medical Gap – Inpatient/Outpatient *
Claim Forms *

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