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Free tool · Official OPM rates

FEGLI coverage and cost calculator

Estimate Basic and Options A, B and C—then see what 75%, 50%, full and no-reduction elections could mean in retirement.

Rate schedule effective · verified

Use FEGLI basic pay from your SF-50 or pay record, not gross income.

Optional premiums change in five-year age bands.

Coverage elections
USPS employee exception

Enter your pay and age

Your coverage and premium estimate will update here. Nothing is saved or sent anywhere.

Uses OPM rates effective 2021-10-01, last verified 2026-07-22. This is an estimate, not an eligibility decision. Confirm your elections and withholding with your agency, annuity statement, or OPM.

Benefits are one part of the exit calculation.

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The coverage formula

How this FEGLI calculator works

The math is prescribed by federal regulation. The two details people most often miss are the Basic +$2,000 and the fact that Option B uses rounded pay without that extra $2,000.

  1. 1

    Round annual basic pay up to $1,000

    FEGLI uses annual basic pay, usually including locality pay—not gross income. A salary already on an exact $1,000 boundary stays there.

  2. 2

    Add $2,000 for the Basic Insurance Amount

    Basic is rounded pay plus $2,000, with a $10,000 minimum. The Basic premium is charged on this amount, not on the free under-45 Extra Benefit.

  3. 3

    Apply your optional elections

    Option A is $10,000. Each Option B multiple equals rounded annual pay. Each Option C multiple covers a spouse for $5,000 and every eligible child for $2,500.

  4. 4

    Use the official age-band rates

    Basic has one level employee rate. Options A, B and C use age bands. The calculator uses OPM's current published biweekly and monthly rates directly rather than converting one frequency into the other.

Retirement decisions

Reduction choices change both coverage and cost

Reductions generally start under OPM's timing rule after the later of age 65 or retirement. Option B and C can split multiples between full and no reduction.

FEGLI retirement elections, ultimate coverage, and post-65 premium treatment
ElectionUltimate coveragePremium after 65
Basic · 75% reduction25% of the retirement BIAFree
Basic · 50% reduction50% of the retirement BIA$0.75 monthly per $1,000
Basic · No reduction100% of the retirement BIA$2.25 monthly per $1,000
Option A$2,500 after its automatic reductionFree
Option B/C · Full reduction$0 after 50 monthly reductionsFree once reductions begin
Option B/C · No reduction100% of selected multiplesAge-band premium for life

Continuation is not automatic. The calculator does not determine the immediate-annuity and five-year coverage requirements, or model Living Benefits, legacy Option A amounts, compensationers, or reemployed annuitants.

Data provenance

An official source we can monitor

OPM does not publish a dedicated FEGLI rates API or CSV. The Federal Register does publish the controlling notice as structured XML with JSON metadata, and eCFR exposes the rules through its public XML API.

FedUp keeps a reviewed rate snapshot in code for reliability. A future monitor can detect a newer notice and propose an update, but a person should review it before the production rates change.

Federal Register full-text XML

Machine-readable rate tables from document 2021-19475.

Federal Register JSON metadata

Publication, agency, document and effective-date metadata.

eCFR public API

Versioned Title 5 XML for coverage and reduction rules.

FEGLI FAQ

Details behind the estimate

How is FEGLI Basic coverage calculated?

Round annual basic pay up to the next $1,000 boundary, add $2,000, and apply a $10,000 minimum. For example, $78,262 rounds to $79,000, producing an $81,000 Basic Insurance Amount. Employees under 45 may also have a free age-based Extra Benefit.

What pay should I enter in a FEGLI calculator?

Use FEGLI annual basic pay from your SF-50 or pay record. It commonly includes locality pay or a special rate supplement but excludes overtime, bonuses, allowances, and most other additional pay. Do not enter household income or total compensation.

What is the FEGLI Extra Benefit?

Basic coverage is doubled at no extra cost through age 35. The extra portion decreases by 10 percentage points on each birthday from 36 through 45, when it ends. The factor is based on the insured person's age at death and does not increase the Basic premium.

What happens to FEGLI when I retire?

If you meet the continuation rules, Basic can use 75%, 50%, or no reduction. Option A automatically reduces to 25% of its original amount. Each Option B and C multiple can generally be assigned to full reduction or no reduction. Reductions begin after the later of age 65 or retirement under the regulatory timing rule.

Can I keep FEGLI in retirement?

Generally, you need an immediate annuity and must have carried the coverage for the five years immediately before the annuity begins, or for all opportunities to enroll if you had less than five years. Basic and each Optional coverage type have their own continuation test. OPM or your agency makes the official determination.

Does FEGLI accidental death and dismemberment continue in retirement?

No. Accidental death and dismemberment coverage applies to employees with Basic and Option A, but it stops at retirement. This calculator estimates life insurance amounts only and does not add AD&D to retirement projections.

Where do the FEGLI rates in this calculator come from?

The rate snapshot comes from Federal Register document 2021-19475, effective October 1, 2021, and is cross-checked against OPM's current Program Information tables. Coverage formulas and retirement reductions come from 5 CFR part 870. The calculator stores a versioned copy and does not depend on live government-site requests.

Primary references

Official FEGLI sources

Rates can change. We last checked the current schedule on July 22, 2026. Your agency or OPM remains authoritative for actual eligibility, deductions and benefit amounts.

The Federal Register, OPM's current table and OPM's official calculator all agree on the current Basic employee rate of $0.1600 biweekly per $1,000. Some older OPM explainer pages still show superseded rates, so they are not used here.