Federal Employees' Group Life Insurance (FEGLI)

The Federal Government established the Federal Employees' Group Life Insurance (FEGLI) Program on August 28, 1954. It is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members.

Most employees are eligible for FEGLI coverage. FEGLI provides group term life insurance. As such, it does not build up any cash value or paid-up value. It consists of Basic life insurance coverage and three options. In most cases, a new Federal employee is automatically covered by Basic life insurance and his/her payroll office deducts premiums from his/her paycheck unless employee waives the coverage. In addition to the Basic, there are three forms of Optional insurance that employee can elect. Employee must have Basic insurance in order to elect any of the options. Unlike Basic, enrollment in Optional insurance is not automatic -- employee must take action to elect the options.

The cost of Basic insurance is shared between the employee and the Government. The employee pays 2/3 of the total cost and the Government pays 1/3. The employee’s age does not affect the cost of Basic insurance. Employee pays the full cost of Optional insurance, and the cost depends on his/her age.

The Office of Federal Employees' Group Life Insurance (OFEGLI), which is a private entity that has a contract with the Federal Government, processes and pays claims under the FEGLI Program.

For more information on the FEGLI Program visit the following website: Employees can also utilize the FEGLI calculator on the website to calculate premiums for the various combinations of coverage; see how choosing different options can change the amount of life insurance and the premium withholdings; and see how the life insurance carried into retirement will change over time.

Employees can process enrollment via the Employee Benefits Information System (EBIS) located on the ABC-C website:

Employees should call Army Benefits Center-Civilian (ABC-C) at 877 276 9287 for additional information or assistance.

ABC-C Benefits Counselors are available from 6:00 a.m. to 6:00 p.m., Central Time, Monday through Friday except on Federal Holidays.

Content last reviewed: 9/18/2012-VOH

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This page was last revised: 9/18/2012