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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: How does Accident Insurance coverage work?

Accident insurance can be an important coverage in addition to both medical and disability benefits. 

This plan pays IN ADDITION to your medical insurance.  So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays.  It is specifically designed to provide you financial means to help you cover costs associated with the unplanned out of pocket expenses associated with having an accident.

The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your deductible and co-insurance and could provide you an additional financial safety net when you need it the most.