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FEGLI Coverage Options
AUTOMATIC
B
Basic Insurance
Your annual salary rounded up to the next $1,000, plus $2,000. Automatic unless you waive it.
A
Option A – Standard
Additional $10,000 flat coverage. Simple, affordable extra protection.
B
Option B – Additional
1 to 5 multiples of your annual salary. The most flexible coverage option.
C
Option C – Family
Coverage for your spouse ($5,000 per multiple) and children ($2,500 per multiple).
⚠️ Critical: Post-65 Reductions
FEGLI coverage reduces as you age after 65. Understanding these reductions is critical for retirement planning. Many federal employees are shocked when their coverage drops significantly.
75% Reduction
– Free after 65
50% Reduction
– Lower cost
No Reduction
– Full premium
Coverage Amounts
Exact totals for all your options
Monthly Premiums
Costs by age through 85
Reduction Schedule
Post-65 coverage projections
Know Your FEGLI Coverage Inside & Out
Don't get surprised by post-65 reductions – plan ahead
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