Insurance Benefits
Federal Employees Health Benefits (FEHB) Program
– FEHB is a program offering comprehensive health
insurance coverage for you, your spouse, and your
children under the age of 26. Most employees are
eligible to enroll in FEHB within 60 days of EOD. There
are Nationwide Fee-for-Service, Health Maintenance
Organizations, Consumer Driven, and High Deductible
plans. Enrollment in a plan is voluntary and paid for by
contributions from you and the Federal government.
Your pre-tax biweekly share of the premium depends on
the plan you select, but the Federal government’s share
of the premium is approximately 72% of the total
premium. Coverage is effective the first day of the
following pay period after you enroll. If you do not enroll
within the 60-day window, you will have to wait until
either the annual “Open Season” (occurring in
November/December timeframe) or within 60 days of a
qualifying life event (QLE) (loss of coverage, marriage,
divorce, birth, etc.). Open Season elections become
effective in the first full pay period in January. For more
information, please visit the OPM website at
www.opm.gov/health.
Family members of employees must be verified before
they can be added to FEHB enrollment. Eligible family
members in the FEHB program are spouses and
children until age 26 including legally adopted children,
stepchildren, and foster children. Children age 26 and
over who are incapable of self-support due to a disability
that existed before the age of 26 may also be covered if
they meet certain criteria. Specific documents must be
provided in order to establish family member eligibility for
FEHB coverage. Please visit
https://www.opm.gov/retirement-services/publications-
forms/benefits-administration-letters/2021/21-202a2.pdf
to review the list of required documents. Submission of
acceptable documents is required before family
members can be enrolled in the FEHB program and
should be done at the time of FEHB enrollment.
Federal Employees Dental and Vision Program
(FEDVIP) – FEDVIP is a supplemental form of insurance
offering dental and/or vision insurance to you, your
spouse, and your unmarried dependent children under
the age of 22. Most employees are eligible to enroll in
one of several federal dental and/or vision plans within
60 days of EOD. The Federal government does not
contribute to dental or vision premiums; therefore, you
will pay 100% of the costs. There are various dental
and/or vision plans to pick from. Your biweekly share of
the dental premium (pre-tax) is determined by the plan
you select as well as your zip code. Vision premiums
(also pre-tax) are determined solely by the plan you
select (in other words, your zip code is not a factor). If
you do not enroll in either insurance within the 60-day
window, you will have to wait to enroll until either the
annual Open Season or within 60 days of a QLE (loss of
coverage, marriage, etc.). Open Season is held annually
in the November/ December timeframe with coverage
becoming effective on 1 January. Without a QLE, you
may only cancel your dental and/or vision coverage
during the annual Open Season. Enrollment is not
conducted at the Agency; therefore, for more information
or to enroll, please visit www.benefeds.com.
Flexible Spending Account (FSA) – FSA is a benefit
that allows enrollees to set aside pre-tax money for their
health care expenses with a Health Care or Limited
Expense Health Care FSA or for their dependent and/or
elder care expenses through a Dependent Care FSA (in
other words, an account that helps you pay for items that
typically are not covered by your FEHB, FEDVIP, or
other health insurance plans). Most employees are
eligible to enroll in the FSA program within 60 days of
EOD. If you do not enroll within the 60-day window, you
will have to wait to enroll until either the annual Open
Season or within 60 days of a QLE. Open Season is
held in the November/December timeframe with
coverage becoming effective on 1 January. Enrollment is
not conducted at the Agency; therefore, for more
information or to enroll, please visit www.fsafeds.com.
Federal Long Term Care Insurance Program
(FLTCIP) – FLTCIP provides long term care insurance to
help pay for costs of care if/when the enrollees can no
longer perform everyday tasks such as eating, dressing,
bathing, etc. due to chronic illness, injury, disability or
aging, or have a severe cognitive impairment (such as
Alzheimer’s disease) and need supervision at either
home, in a nursing home, or at another long term care
facility. Current spouses, parents, parents-in-law,
stepparents, adult children (adopted and stepchildren at
least 18 years old), and domestic partners all of living
eligible employees are eligible to enroll in FLTCIP. Most
employees are eligible to enroll in the FLTCIP program
within 60 days of EOD (with abbreviated underwriting).
After the 60-day window ends, you may still apply but
you will be subject to the full underwriting. Enrollment is
not conducted at the Agency; therefore, for more
information or to enroll, please visit www.ltcfeds.com.
Federal Employees Group Life Insurance (FEGLI) –
FEGLI is term life insurance with an option for coverage
of your spouse and/or your unmarried dependent
children under the age of 22. Your initial FEGLI
coverage will depend on whether or not you are a newly
appointed Federal civilian (no prior Federal civilian work
experience) or a reappointed Federal civilian (with prior
Federal civilian service). For additional information,
please visit www. opm.gov/insure.
• Newly appointed – You will be automatically
enrolled in the “Basic” FEGLI option upon
hire; equivalent to your annual base pay
(including locality) rounded up to the next
$1,000, plus $2,000. You will pay two-thirds
of the cost of Basic FEGLI coverage while
the government pays one-third. You may
increase your coverage or elect family
coverage within 60 days of EOD. After the
60-day window ends, you may only increase