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FEGLI Announces NEW 2012 Premiums. More Information
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.
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 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.
Calculate What Coverage You Will Have and How Much It Will Cost You in Retirement . . .
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