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Federal Employee Critical Illness Insurance

Safeguard Against the Cost of Serious Illness

Learning of a life-changing illness is hard. Protect yourself from financial stress so you can focus on yourself.

Critical Illness insurance offers essential benefits when you need them most. It provides a lump-sum payment when you’re diagnosed with a serious illness. You can’t predict a critical illness like cancer or a heart attack, but you can be prepared and help protect a better tomorrow for yourself and your family.

Our plans allow you to choose an insurance plan that meets your needs. With our Critical Illness insurance, there’s only one decision, which benefit amount is right for you- $10,000, $20,000 or $30,000.

Every 34 seconds,
someone in America will
have a coronary event*.

Vector art red heart with lifeline pulse going through it.

* Source: CDC Heart Disease Facts

How it Works

FedAdvantage Critical Illness Insurance helps federal employees protect their financial stability during tough times when illness or injury keeps you from work.

Doctor giving diagnoses and placing hands on top of patient's hands to comfort them.

You're Diagnosed with a Life Changing Illness

Heart Attack, Cancer, 
Multiple Sclerosis, Stroke,
Parkinson's Disease, Coronary Heart Disease, and more

Doctor showing patient info on tablet/phone.

Focus on Getting Well


Use your cash benefits to help with medical bills, continuing care, or everyday expenses. 

People holding red heart next to stethoscope.

FedAdvantage Steps in to Help

With Critical Illness Insurance, your benefits are paid to you directly upon diagnosis of a covered condition

*policy offers cash benefits for 34 different serious illnesses.

Peace of mind doesn’t always have to be expensive.

Critical Insurance FAQs

Don't wait until it’s too late. Protect you and your family now!

Critical Illness Insurance Frequently Asked Questions

Below you’ll find answers to the questions we get asked the most when inquiring about Critical Illness Insurance

What is Critical Illness Insurance?

Critical Illness Insurance provides a lump sum cash benefit when you or a dependent is diagnosed with a covered critical illness. You and your dependents are eligible for coverage options of $10,000; $20,000; $30,000. Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness.

What does Critical Illness insurance cover?

Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer. Critical Illness insurance overs a cash benefit if you are diagnosed with a covered condition to help you offset the higher than average medical costs that come with these medical conditions. To see a list of covered conditions, please refer to our Critical Illness Benefit Highlights.

Who is eligible to enroll?

Active federal employees working at least 20 hours per week and their dependents are eligible. You can enroll in employee-only coverage, employee & spouse coverage, employee and children coverage, or family coverage. USPS Employees are not eligible to enroll.

Do I have to take a physical exam?

No, This coverage is offered on a guaranteed issue basis, so you are not required to take a physical exam or provide medical evidence in order to enroll on our critical Illness program.

Is there a pre-existing condition clause?

Yes. Only new critical illness that occurs to a covered member on or after the effective date will be covered.

When does the coverage become effective?

You become eligible for benefits under the plan on the date your first allotment has been received.

How do I enroll?

Enrollment is simple, enroll online and we’ll process the form (1 – 2 business days) and mail you instructions for setting up your payroll deduction. You are not actively enrolled in the program until you have set up and made your first allotment. 

How do I pay for the plan?

Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees and Retirees would pay monthly. All premiums are paid after-tax.

When can I cancel the plan?

You may cancel the plan at any time. To cancel coverage, please send an email to

Can I take the coverage when I retire or leave my job?

Yes, the critical illness insurance plan is portable and available to all retired federal employees and their family members who are enrolled.

Didn't find your Question?

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