What is a FEGLI Calculator and How Does It Work?
A FEGLI calculator is an essential tool for federal employees to estimate their life insurance coverage and premiums. Our FEGLI calculator 2026 uses official OPM rates to answer "how much FEGLI coverage do I have?" The federal employees group life insurance calculator provides estimates for Basic, Option A, Option B, and Option C coverage. Whether you're a new federal employee or reviewing your benefits, this fegli opm calculator helps you make informed decisions.
How does the FEGLI coverage calculator work? Enter your annual salary and birth year. Select your coverage options — Basic, Option A, Option B (1x-5x salary), and Option C (family coverage). The FEGLI life insurance calculator instantly shows your Basic coverage amount, Option A, B, C amounts, total coverage, annual premium, and per pay period cost. The opm fegli calculator uses the exact OPM 2026 rate structure.
FEGLI Coverage Components Explained
Basic FEGLI Coverage: Annual salary rounded up to the nearest $1,000 plus $2,000. Example: $75,000 salary → $77,000 Basic coverage. This is the core coverage provided at no cost to employees (agency pays the premium).
Option A (Standard): $10,000 additional coverage available to all federal employees. This is a fixed amount, not salary-based.
Option B (Additional): 1x to 5x your annual salary in additional coverage. You pay the full premium based on your age. Rates increase with age.
Option C (Family): 1x to 5x coverage for your spouse and children. Spouse coverage is based on a fixed amount ($10,000 per unit), children are $5,000 per unit.
FEGLI Rates 2026 (OPM Official)
Basic FEGLI: $0.15 per $1,000 of coverage per pay period. This is paid by the agency for Basic coverage.
Option A: $0.10 per $1,000 of coverage per pay period ($1.00 per pay period for $10,000).
Option B (Age-based rates per $1,000 per pay period): Under 35: $0.10, 35-39: $0.15, 40-44: $0.20, 45-49: $0.30, 50-54: $0.50, 55-59: $0.80, 60-64: $1.20, 65+: $2.00.
Option C (Age-based rates per $1,000 per pay period): Same as Option B rates.
How to Calculate Your FEGLI Premium
Step 1: Calculate Basic Coverage = (Salary rounded up to next $1,000) + $2,000.
Step 2: Calculate Option B Coverage = Salary × (1x to 5x).
Step 3: Calculate Option C Coverage = $10,000 × (1x to 5x) for spouse + $5,000 × (1x to 5x) per child.
Step 4: Calculate Annual Premium = (Basic Coverage/1000 × 0.15 × 26) + (Option A/1000 × 0.10 × 26) + (Option B/1000 × age_rate × 26) + (Option C/1000 × age_rate × 26).
Step 5: Per Pay Period Premium = Annual Premium ÷ 26.
FEGLI Retirement Coverage Changes
After age 65, FEGLI Basic coverage reduces by 2% per year until it reaches 25% of your original coverage. For example, if you had $100,000 Basic coverage at age 65, it reduces to $98,000 at 66, $96,000 at 67, and continues down to $25,000 at age 100+.
Option A (Standard) also reduces by 2% per year after age 65, from $10,000 down to $2,500 minimum.
Option B and Option C coverage must be converted to a reduced benefit at retirement or carried over with full premium payments.