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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: Am I guaranteed to be enrolled in FedAdvantage's Accident insurance?

This coverage is guaranteed issue.  So, if you enroll, you are automatically issued coverage.  However, if you or one of your covered family members already had an accident prior to effective date, no benefits will be provided for follow-up expenses from that accident.  But – any NEW accident – that occurs on or after the effective date WILL be covered.