Does FedAdvantage Federal Employee Critical Illness Insurance have pre-existing conditions

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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.

Is there a pre-existing condition?

No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new critical illness that occurs to a covered member on or after the effective date will be covered.

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