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OPM.gov / Frequently Asked Questions / Insure FAQ / Life
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Life

Questions and answers

FEGLI Basic and Option A each include Accidental Death and Dismemberment (AD&D) coverage for employees at no additional charge. AD&D coverage cannot be carried into retirement. AD&D benefits are paid in addition to regular death benefits.

For the Office of Federal Employees' Group Life Insurance to pay AD&D benefits, the death or loss must occur within one year after the accident and be a direct result of bodily injury sustained from that accident.

AD&D coverage in Basic is equal to the amount of your Basic insurance. AD&D coverage in Option A is equal to $10,000.

For more information about AD&D, see the FEGLI Handbook.

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