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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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Liability Insurance

Public scrutiny, political demands, new workplace rules and increased workloads have increased the exposures of federal employees to allegations, investigations, disciplinary actions, and personal capacity lawsuits. Whether the allegations are true or false, and whether exacerbated by media sensation, negative public impact or political agendas, if you don’t have liability insurance in place, hiring a lawyer to defend your decisions, actions or in-actions could be cost prohibitive – even if you are ultimately vindicated.

FedAdvantage is pleased to offer a Professional Liability Insurance (PLI) program for federal employees. Our decision to offer this benefit is to protect and educate federal employees about their professional exposure; and to offer coverage, claims administration and legal representation specifically tailored to meet those needs.

We have partnered with FEDS Protection to offer this valuable benefit; because FEDS is a leader in servicing the federal community in offering top notch service to the people who have placed their trust in them.

FEDS is the #1 recommended provider by the leading federal employee and manager associations. Managers, supervisors, law enforcement officers and other qualified employees are eligible for agency reimbursement up to half the cost of this insurance! Payroll deduction is available to all employees regardless of reimbursement eligibility. To get your FEDS Protection in place today, visit the FEDS Protection website or call 866.955.FEDS.