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Health and Insurance Benefits

As a federal employee, you have an array of comprehensive benefits available to you. These include health and life insurance, retirement plans and flexible spending accounts that help reduce your taxable income.

Click on the appropriate link to learn more about your eligibility, enrollment and options from the Office of Personnel Management.

**Dental Insurance**Dental insurance is available to eligible federal employees, retirees and their dependents. Employees pay all insurance premiums, which are deducted from your pay on a pre-tax basis, reducing your taxable income.

**Federal Employees’ Group Life Insurance Program (FEGLI)**FEGLI is the largest group life insurance program in the world, covering over four million federal employees and retirees, as well as many of their family members. FEGLI provides group term life insurance and consists of basic life insurance coverage and three types of optional insurance.

**Federal Employees Health Benefit Program (FEHB)**Federal employees, retirees and their survivors enjoy a wide selection of health plans through the FEHB program. You can choose from among Fee-for-Service (FFS ) plans with Preferred Provider Organizations (PPO); Health Maintenance Organizations (HMO); lower premium plans with health savings/reimbursable accounts and high deductible plans.

**Flexible Spending Accounts (FSAFEDS)**The Federal Flexible Benefits Plan, FedFlex, enables eligible employees to reduce their taxable income by paying for certain health or dependent care expenses with pre-tax dollars. By law these benefits are available only to current employees. Eligible out-of-pocket costs may include co-payments and deductibles, health care expenses not covered by insurance, such as dental services and eye-care and dependent care costs, such as day care or elder care.

**Long Term Care Insurance (FLTCIP)**FLTCIP offers long term care insurance to help pay for the costs of care when enrollees need help with every day activities or you have a severe cognitive impairment, such as Alzheimer's disease. Most federal employees and annuitants, active and retired members of the uniformed services and their qualified relatives may apply for coverage. You must first apply for FLTCIP coverage to find out if you are eligible to enroll in the program.

**Thrift Savings Plan (TSP)**TSP allows federal employees and members of the uniformed services to contribute to a retirement savings plan. Most federal employees are eligible to participate and several investment options are available. You may make regular contributions at any time. You may also make catch-up contributions in the year you turn age 50. All eligible employees are automatically enrolled in TSP at a three percent contribution rate.

**Vision Insurance**Vision insurance is also available to eligible employees, retirees and their dependents. Employees pay all insurance premiums, which are deducted from your pay on a pre-tax basis, reducing your taxable income.

For Civilian Pay questions, please contact your Customer Service Representative (CSR). Contact your immediate supervisor for more details.

Page updated April 27, 2017

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