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Insurance Services Programs

FEGLI Program Booklet For U.S. Postal Service Employees

General Information

What Is Accidental Death and Dismemberment (AD&D) Insurance?

Accidental Death and Dismemberment (AD&D) insurance provides funds in the event of a fatal accident or an accident that results in the loss of a limb or eyesight. For benefits to be paid, the death or loss must occur not more than one year from the date of the accident and be a direct result of bodily injury sustained from that accident, independent of all other causes.

AD&D insurance is automatically included in Basic insurance at no additional cost. It is equal to your Basic Insurance Amount (BIA), and does not include the Extra Benefit. AD&D insurance is also automatically included in Option A in the amount of $10,000 at no additional cost. Option B and Option C do not include AD&D insurance. Accidental death benefits are paid in addition to other FEGLI benefits that may be payable. AD&D coverage stops when your employment ends. It does not carry into retirement.

The following is a list of covered losses under AD&D insurance and the corresponding amounts payable:


For the Loss of

The Amount Payable is


Full amount

Two or more Members*

Full amount

One Member*

50% of Full amount

* A Member is a hand, foot, or the sight in one eye.

Note: For all losses resulting from any one accident, no more than the Full amount is payable.

The Office of Federal Employees' Group Life Insurance (OFEGLI) will not pay AD&D benefits if your death or loss in any way results from, is caused by, or is contributed to by:

  • physical or mental illness;

  • the diagnosis of or treatment of physical or mental illness;

  • ptomaine or bacterial infection (however, OFEGLI will pay AD&D benefits if the loss is caused by an accidentally sustained external wound);

  • a war (declared or undeclared), any act of war, or any armed aggression against the United States in which nuclear weapons are actually being used;

  • a war (declared or undeclared), any act of war, or any armed aggression or insurrection in which you are in actual combat at the time bodily injuries are sustained;

  • suicide or attempted suicide;

  • injuring yourself on purpose;

  • illegal or illegally obtained drugs that you administer to yourself;

  • driving a vehicle while intoxicated, as defined by the laws of the jurisdiction in which you were operating the vehicle.

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