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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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Critical Illness

Effective 1/1/2018

Critical Illness insurance provides a choice of $10,000, $20,000, or $30,000 lump-sum payment for a covered illness such as cancer, a heart attack or stroke. The cash benefits are independent from any claims or coverage provided by your medical insurance. The cash can help with the bills or added expenses that medical insurance may not be able to cover like co-pays, deductibles, or day-to-day living expenses:

Expenses not covered by your medical insurance

  • Deductibles and coinsurance
  • Caregiver expenses
  • Travel to and from treatment centers
  • Rehabilitation

Day-to-day living expenses

  • Rent or mortgage payments
  • Groceries
  • Child care
  • Utility bills

Enrolled employees and dependents each are eligible for a $50 wellness benefit each year. 

The Critical Illness 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.


Click here for benefit plan highlights or click here to get a quote