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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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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.