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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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Learn how we are handling the COVID-19 pandemic.

During these challenging and uncertain times, we at FedAdvantage are here to support your questions and concerns regarding your coverage as it relates to the Coronavirus. We have worked with The Standard to help address common questions regarding the disability plan.
Here is a link to the latest information regarding COVID-19 that The Standard is providing regarding eligibility and claims: https://www.standard.com/covid-19.

Eligibility: If employees lose eligibility due to reduced work hours, a partial or full furlough, or a temporary layoff, The Standard is willing to extend coverage through June 30, 2020 as long as premiums continue to be paid.
LTD Benefits: For a LTD benefit to be payable, there must be a reduction of work hours and supporting medical diagnosis to support the disability. Being quarantined (self, voluntary, or mandatory) does not in itself qualify for a LTD benefit to be payable.
LTD Waiting Periods: Waiting periods are not waived or shortened due to COVID-19.

For any questions, please contact FedAdvantage at the following:

  • Customer Service at 1-866-973-6605 (Monday – Thursday, 8am to 4pm Central Time)
  • Email at customerservice@fedadvantage.com
  • Live Chat on fedadvantage.com (Monday - Friday, 8:00am - 3:00pm Pacific Time)