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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: Is there an example that demonstrates how to use the Critical Illness insurance?


Rachel is a working mom who was hospitalized with a heart attack at the age of 45. 

Her health insurance paid for most of her medical expenses, but she was responsible for several thousands of dollars in copayments and deductibles. Fortunately, Rachel had enrolled last year in a $10,000 Critical Illness benefit through her employer. 

The payout covered her outstanding medical expenses as well as child care and other living expenses she incurred during her recovery period.

Note: Even after receiving a full benefit under the policy, Rachel’s coverage may remain in-force and provide financial support if she or a dependent should experience another major illness in the future. 

This case illustration is fictitious and for illustrative purposes only.