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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 long are benefits paid?
Benefits under our program will be paid out for as long as you are disabled under the program or until you reach the following maximum benefit periods:

Long Term disability (LTD):  To age 65, reduced benefit period applies for disabilities occurring after age 60. Please see the plans group certificate for more details.


If you enrolled in the FedAdvantage supplemental disability programs prior to 1/1/2014, please Contact Us.