Life
FEGLI, VGLI, private cover, and protecting your income.
- Disability Short-term disability for feds: who actually needs it No federal programme exists. Your sick leave pays better than the policy, and the real gap is narrower than the pitch.
- Final expense Final expense insurance: recognising the pitch Small whole life policies sold on no medical exam. The graded benefit, the arithmetic, and when it fits.
- Long-term care Private long-term care insurance: what it costs A private nursing home room runs about $129,575 a year. The four numbers in a policy and the age window.
- Living Benefit The FEGLI Living Benefit: taking Basic early With a prognosis of nine months or less, Basic can be paid as a lump sum now. What it costs and who it suits.
- Long-term care FLTCIP is closed: what to do before December 19 Federal long-term care insurance has been shut since 2022. The suspension expires this December, and reopening is not guaranteed.
- Beneficiaries Beneficiary forms: what overrides your will FEGLI, TSP and annuity forms each beat your will. The five forms and the default order.
- Veterans Life insurance with a service-connected condition A rating is not a decline. VALife, VGLI and the private market, and the order to apply in.
- Comparison Term vs. whole life for federal families Whole life costs several times more for the same benefit. When the extra buys something real.
- Veterans SGLI to VGLI: the deadlines that catch people SGLI ends 120 days after separation. VGLI's no-questions window closes at 240 days.
- Guide FEGLI explained: Basic, Options A, B and C What each part covers, the current OPM rates by age, and when the options stop being worth it.
- Comparison FEGLI vs. private term life: which costs less? $500,000 side by side, and the 20-year bill for each.
- Cost FEGLI Option B: what it costs at 40, 50 and 60 Every age band priced per $100,000, and the two jumps that catch people.
- Retirement Should you keep FEGLI Basic into retirement? The 75%, 50% and No Reduction elections, and the arithmetic behind each.
- Option C FEGLI Option C: is family coverage worth it? Good children's cover, weak spouse cover. The numbers behind both.
- Veterans VGLI after separation: keep it or replace it? The two deadlines, the full VA rate table, and the conversion trap.
- How much How much life insurance a federal family actually needs Survivor benefits change the math. A worked example for a GS-13.