Life and Disability Insurance

Life and disability insurance are essential tools that provide income protection and financial security when illness, injury, or death disrupt your ability to work. The federal government offers a range of insurance programs designed to support both civilian employees and military personnel, helping protect your family’s future during challenging times.

Federal Employee Insurance Programs

Civilian federal employees can access the Federal Employees’ Group Life Insurance (FEGLI) program, which provides group term life insurance coverage for millions of workers and retirees. Disability insurance options, including short-term and long-term coverage, help replace income if you are unable to work due to sickness or injury. Supplemental plans from providers like WAEPA offer additional financial protection tailored to federal employees’ needs.

Military and Veterans’ Life Insurance

Military service members have unique life insurance options such as Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI). For families, Family Servicemembers’ Group Life Insurance (FSGLI) offers extra protection. Understanding the distinctions between SGLI and VGLI, detailed in the SGLI vs VGLI comparison, helps service members and veterans choose the best coverage.

Long-Term Income and Survivor Benefits

Beyond life insurance, the Survivor Benefit Plan (SBP) provides ongoing income to survivors of military retirees, ensuring financial stability after service. Federal employees may also qualify for disability retirement benefits, which differ from standard disability insurance by factoring in years of service and salary to calculate payments.