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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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Accident Insurance

Effective 1/1/2018

Accidents Happen

An accident can happen to anyone, and recovery can be costly. Your medical insurance may pick up most of the tab, but leave you with out-of-pocket expenses that add up quickly. Accident insurance provides benefits for covered accidental injuries, related services, and treatments.

Some examples include:
  • $200 Ground Ambulance Transportation
  • $150 ER Benefit
  • $50 X-Ray Benefit
  • $25 Physical Therapy Benefit
  • 1 Initial Physician Office Visit
  • Hospital Admission and Confinement

Case Illustration: Edgar's Story

While traveling to pick up his children after soccer practice, Edgar is in a car accident. He’s taken by ambulance to the hospital for a broken leg. While there, Edgar receives various services. Our plan would pay a benefit amount for each service covered as a result of the accident:


You get the picture – medical expenses following an accident add up quickly. If the unexpected happens to you or an insured loved one, this Accident Insurance plan provides benefits to help with those expenses, regardless of any other insurance you have.

The Accident coverage also includes the following value services: 

Ability Assist®4

Ability Assist®4 Counseling Services provides access to Master’s- and PhD-degreed clinicians for 24/7 assistance if you’re enrolled in coverage and have a claim approved by The Hartford. This includes 3 face-to-face visits per occurrence per year for emotional concerns and unlimited phone consultations for financial, legal, and work-life concerns.

HealthChampion

HealthChampion offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and health insurance claims concerns if you’re enrolled in coverage and have a claims approved by The Hartford.


Get highlights on the benefit plan or get started with a quick quote