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What Is FEGLI?



FEGLI, or the Federal Employees’ Group Life Insurance, was established by the Federal Government in 1954. The Office of Personnel Management (OPM) administers the Program and sets the premiums. The Office of Federal Employees' Group Life Insurance (OFEGLI), a private entity that has a contract with the Federal Government, processes and pays claims under the FEGLI Program. FEGLI provides coverage to four million Federal employees and retirees and their family members.


Eligibility, Life Insurance Coverage and Amount


Most Federal employees qualify for FEGLI term life insurance coverage.  However, some Federal positions are excluded by law or regulation. Since FEGLI is term coverage, it does not build cash or paid-up value and the employee cannot get a loan against the face value of the policy. New Federal employees are offered Basic life insurance coverage and their employers’ payroll office withdraws life insurance premiums directly from their paychecks. In addition to basic coverage, there is optional coverage that the employee needs to apply for. The cost of basic FEGLI coverage 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, but it does affect the cost of optional coverage.


Basic insurance covers the employee’s life for whichever is greater: 1) The employee’s annual rate of basic pay, rounded up to the next even $1,000, plus $2,000; or 2) $10,000. If the employee is under age 45, he automatically has extra coverage without paying any additional premiums. This Extra Benefit increases the amount of Basic insurance payable at the time of the employee’s death if the employee dies before age 45.


FEGLI: Optional Insurance


The cost of Optional insurance depends on the employee’s age. There are three types of Optional insurance: Option A-Standard, Option B-Additional, and Option C-Family. Option A insures the life of the federal employee for $10,000. Option B insures the employee’s life for 1, 2, 3, 4, or 5 multiples of his annual rate of basic pay rounded up to the next even $1,000. Option C insures the lives of the employee’s spouse and eligible dependent children. It comes in 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for a spouse and $2,500 for each eligible dependent child.




In addition to regular life insurance coverage, accidental death coverage is available under FEGLI. Accidental death and dismemberment (AD&D) coverage is an automatic part of basic insurance and Option A insurance for Federal employees, offered to Federal employees at no additional cost. Accidental death benefits are payable when the insured dies as a result of an accident. The amount of FEGLI AD&D is the same as the amount of basic life insurance. Under Option A, accidental death benefits are equal to the employee’s Option A coverage.


FEGLI Attorneys


FEGLI laws are complex. You should have an experienced FEGLI attorney on your side to recover the benefits due to you under the law. If your FEGLI claim is delayed or denied and you need the assistance of a life insurance attorney specializing in FEGLI laws, call us now for a free consultation. We have successfully handled many delayed and denied life insurance claims, beneficiary disputes and interpleaders and will be able to provide you with the knowledge and experience you need to collect a denied FEGLI claim.


Call (888) 510-2212 for a free consultation.