To enroll, you must be a federal employee or retiree, working full-time or part-time. You can enroll yourself, your spouse, and your dependent children up to age 26 — no health statement is required.
Benefits offered by the Plan:
24/7 Coverage: This plan provides a lump-sum benefit that gives you around-the-clock protection in the event you experience an accidental bodily injury that results in death or the loss of hands, feet, or eyesight.
Monthly Expense Benefit: An additional benefit of 1 % of the amount of coverage payable per month for up to 12 months to a maximum of $1,000 per month. The benefit is payable if you die as a result of a covered accident within 365 days of the accident and you have a surviving spouse at the time of your death. The benefit will be paid until the earlier of your spouse dies or the benefit has been paid for 12 consecutive months.
Child Care Benefit : (available to members enrolled under Family Coverage): The plan provides a benefit for child care expenses of a covered dependent child under the age of thirteen if the member dies in a covered accident. The annual benefit is the lesser of the actual cost charged by the child care center per year, 5% of the member’s covered amount, or $5,000 a year up to four consecutive years or until the child reaches age thirteen.
Levels of Coverage
Choose the amount that’s right for you
There are 10 levels — from $10,000 to $500,000
After Retirement — You may continue coverage into retirement.
|Benefit Amount Payable|
|Loss of:||% of Principal Sum|
|Both Hands or Both Feet||100%|
|Sight in Both Eyes||100%|
|One Hand and Foot||100%|
|One Hand or One Foot and
Sight of One Eye
|One Hand or One Foot||50%|
|Sight of One Eye||50%|
|Speech and Hearing in
|Hearing in Both Ears||50%|
|Thumb & Index Finger of Same Hand||25%|
|Seat Belt||Lesser of Additional 10% and $25,000|
Additional 10% and $5,000
|Coma||1% up to 100 months, less any other Principal Sum benefits paid|
You can select from $10,000 to $500,000.
Cover your spouse and unmarried children up to age 26.
Safe Driver, Education, Child Care, and other benefits included at no additional cost.
You can continue this plan, even if you change agencies, retire, or leave your federal employment.