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Regardless of your age when you retire, the retiree life benefits under FEGLI don’t start until you reach age 65. Retiree life options under FEGLI allow for employees to gradually reduce their insurance while discontinuing their premiums. If you retire from federal service prior to age 65, you will continue to pay your FEGLI premiums at the same rates as an active employee.
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Q: What does Critical Illness insurance cover?

Critical Illness insurance covers a range of illnesses. Some examples include:

  • Cancer
  • Heart Attack
  • Stroke

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 attending doctor’s appointments, or traveling with a loved one who has been diagnosed with a serious condition.  Others may choose to seek out experimental trials or take experimental drugs that are not covered by most insurance plans.  Some others may seek treatment at centers of excellence that are far from home and which require additional costs associated with travel or hotel stays.  

A major illness can happen at any time and leave you feeling emotionally, physically and financially overwhelmed. Critical Illness insurance can help you be financially ready in the event of a diagnosis, so you can focus on the most important part of the process – recovery. With Critical Illness, recovery doesn’t have to be a financial strain.