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Calculators FEGLI Calculator

Employee Summary

Calculated on

FEGLI Announces NEW 2012 Premiums. More Information
Summary Report
Current Annual Rate of Basic Pay:   
(rounded to next thousand)
Payment Frequency: Age:
Enrollee   [to details]Family   [to details]
Coverage
Coverage
(if applicable)
Cost Per Pay Period: Cost Per Pay Period:
Total Withholding:
Use this button to return to the previous page and change your elections.
Make additional calculations
for life insurance in retirement.

Enrollee Detailed Report
Insurance
Select the links below for further details on these types of insurance or options, including changes that will occur with age.
Coverage
Cost
(per pay period)
Basic:
Extra Benefit: No extra cost
Total Basic:
Option A - Standard:
Option B - Additional:
Multiples selected =
Total:
Accidental Death and Dismemberment
(AD&D) under Basic:
No additional cost
AD&D under Option A: No additional cost
AD&D Principal Amount: No additional cost

Basic Insurance

Basic life insurance is equal to the greater of (a) your annual rate of basic pay rounded up to the next $1,000 plus $2,000 or (b) $10,000. The Federal Government pays one-third of the cost of your Basic life insurance. The U.S. Postal Service pays 100% of the cost of Basic for Postal Service employees. Basic insurance includes the Extra Benefit and Accidental Death and Dismemberment coverage.

Premiums for Basic coverage depend on the amount of Basic you have, not on your age. Federal employees currently pay 15 cents per thousand dollars of Basic coverage.

Age at DeathBasic Insurance AmountExtra BenefitTotal Basic Life Insurance

The Extra Benefit is provided to employees under age 45 at no additional cost. This extra benefit doubles the amount of Basic life insurance payable if you are age 35 or younger. Beginning on your 36th birthday, the Extra Benefit decreases 10% each year until at age 45 there is no Extra Benefit.

Option A - Standard
The Option A life insurance amount is $10,000. The cost of Option A insurance depends on your age, in five year age brackets. When you have a birthday that moves you to another age group, you will begin paying the premiums for the new age group the first pay period that starts after your birthday.
Change to the cost of your Option A insurance over time.
Age GroupCost For Option A Insurance
per pay period

Option B - Additional
(Number of Multiples = )
You may elect Option B life insurance in an amount equal to one, two, three, four or five times your annual basic pay (after rounding up to the next $1,000). The cost of Option B insurance depends on your age, in five year age brackets. When you have a birthday that moves you to another age group, you will begin paying the premiums for the new age group in the first pay period that starts after your birthday.

Change to the cost of your Option B insurance over time.
Age GroupCost For Option B Insurance
per pay period

Accidental Death and Dismemberment (AD&D) Insurance
Accidental Death and Dismemberment coverage provides additional funds in the event of a fatal accident or an accident that results in the loss of a limb or eyesight. For benefits to be paid, the loss must occur not more than one year after the accident and be a direct result of bodily injury sustained from that accident, independent of all other causes. AD&D Insurance is provided at no additional cost. Accidental Death & Dismemberment coverage is an automatic part of Basic and Option A insurance for employees.
AD&D Coverage under Basic:
AD&D Coverage under Option A:
Total Coverage Amount:
For the loss of:The Amount Payable is:
Life:
Two or more of the following: a hand, foot, or the sight in one eye:
A hand, foot, or the sight in one eye:

Option C- Family
(Number of Multiples = )

Option C provides life insurance for your spouse and eligible dependent children. When you elect Option C coverage, all of your eligible family members are automatically covered. You may choose one, two, three, four or five multiples of coverage. Each multiple is equal to $5,000.00 for your spouse, and $2,500.00 for each of your eligible children. You, as the insured enrollee, receive the life insurance payment when an eligible family member dies.

Each multiple is a unit. For example, if you elect two multiples, that means you have two multiples on your spouse and two multiples on each of your eligible dependent children. You cannot elect a number of multiples for your spouse that is different from the number for your eligible children.

The cost for Option C Insurance remains the same regardless of the number of eligible dependent children. Dependent children must be unmarried and under age 22, or if 22 or older, incapable of self-support. Dependent children include your children, adopted children, foster children and stepchildren (if they are living with you in a regular parent-child relationship), and recognized natural children. Stillborn children are not covered. Grandchildren are covered only if they meet the requirements of foster children.

The cost of Option C insurance depends on your age, in five year age brackets, and the number of multiples you elect. When you have a birthday that moves you to another age group, you will begin paying the premiums for the new age group in the first pay period that starts after your birthday.

Change to the cost of your Option C Insurance over time.
Age GroupCost For Option C Insurance
per pay period

Calculate Coverage Following Retirement

Calculate What Coverage You Will Have and How Much It Will Cost You in Retirement . . .



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