Most Federal employees are automatically enrolled in Basic insurance unless they waive this coverage. Basic is effective on the first day you enter in a pay and duty status in an eligible position.
If you have Basic insurance, you may also elect Optional insurance. You must specifically elect the types of Optional insurance you wish to carry within 60 days of becoming eligible. Optional insurance is effective on the first day you are in a pay and duty status on or after the day your human resources office receives your election.
To elect Optional insurance within 60 days of becoming eligible, or to cancel (waive) Basic, submit the FEGLI Election Form to your human resources office.
FEGLI Basic and Option A each include Accidental Death and Dismemberment (AD&D) coverage for employees at no additional charge. AD&D coverage cannot be carried into retirement. AD&D benefits are paid in addition to regular death benefits.
For the Office of Federal Employees' Group Life Insurance to pay AD&D benefits, the death or loss must occur within one year after the accident and be a direct result of bodily injury sustained from that accident.
AD&D coverage in Basic is equal to the amount of your Basic insurance. AD&D coverage in Option A is equal to $10,000.
For more information about AD&D, see the FEGLI Handbook.
The cost of Basic insurance is shared between you and the Government. You pay two-thirds and the Government pays one-third. Your age does not affect the cost of Basic insurance. You pay $0.15 cent per $1,000 biweekly or $0.325 cents monthly. If you are a Postal employee, the U.S. Postal Service pays the entire cost of your Basic life insurance.
You pay the full cost of all Optional insurance. The cost depends on your age and the amount of insurance you have. Optional insurance premiums are posted here.
Your agency will withhold the premiums from your pay.
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