Helping Federal Employees and Annuitants Understand Their Benefits

 

FEGLI Employee Costs

Options A, B and C



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Updated 10/17/2017

Rates effective on or after January 1, 2016

 

The following rate charts compare FELGI option costs for active federal employees. Retirees should review the FEGLI Annuitant rate charts. FEGLI insurance premiums for options A, B and C are adjusted as you age and the costs can get prohibitive especially for the Option B multiples. Active federal employees need to Evaluate their insurance needs when initially enrolling or during upcoming open enrollment periods.

Review your Option B coverage carefully. The cost for multiples increase dramatically, from .433 cents per thousand dollars of coverage at 55-59 to $.953 per thousand age 60-64! In retirement it will cost an annuitant $3.90 per $1,000 of coverage per month from age 75-79 and that increases to $5.70 a month per $1,000 in coverage 80 and over! 

Obtain competitive quotes for Part B coverage to compare costs.  

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FEGLI Employee Rate Menu

 

FEGLI BASIC LIFE

Annuity Assistance

 Cost for each $1,000 of the Basic Insurance Amount in Effect at the Time of your Retirement

FOR ALL AGES $.150 (15 cents) biweekly or $.3250 monthly.

Rates May Change in the Future

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Option A FEGLI Rates - Standard (Biweekly & Monthly)

 

Age Group Biweekly Monthly
Under 35 $0.20 $0.43
35-39 $0.30 $0.65
40-44 $0.40 $0.87
45-49 $0.70 $1.52
50-54 $1.10 $2.38
55-59 $2.00 $4.33
60+ $6.00 $13.00

 

Rates May Change in the Future

FEGLI Review Request a FREE FEGLI review and "Personal Summary of Benefits"

Rates for Option B - Additional

 

Per $1,000 in coverage

Age Group Biweekly Monthly
Under 35 $0.02 $0.043
35-39 $0.03 $0.065
40-44 $0.04 $0.087
45-49 $0.07 $0.152
50-54 $0.11 $0.238
55-59 $0.20 $0.433
60-64 $0.44 $0.953
65-69 $0.54 $1.170
70-74 $0.96 $2.080
75-79 $1.80 $3.90
80 and over $2.64 $5.720

 

Rates revised 1/1/2016 and may change in the future.

 

FEGLI Review Request a FREE FEGLI review and "Personal Summary of Benefits"

 

Rates for Option C FEGLI Family Coverage

 

1 Multiple = $5,000 For A Spouse
1 Multiple = $2,500 For Each Eligible Dependent Child

 

Age Group Biweekly Monthly, per multiple
Under 35 $0.22 $0.48
35-39 $0.27 $0.59
40-44 $0.41 $0.89
45-49 $0.59 $1.28
50-54 $0.92 $1.99
55-59 $1.48 $3.21
60-64 $2.70 $5.85
65-69 $3.14 $6.80
70-74 $3.83 $8.30
75-79 $5.26 $11.40
80 and over $7.20 $15.60

 

Rates revised 1/1/2016 and may change in the future

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