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Supplement Your Federal Benefits with Twice the Protection, all through One Application
GEBA Term Life and Long-Term Disability coverage for Federal Employees works together to help safeguard your income and your family, coming together where Federal benefits may fall short.
Group Term Life Insurance
FEGLI provides a valuable foundation, but many employees find it may not fully cover long-term financial needs like income, mortgages, and education costs. GEBA’s Group Term Life Insurance helps close that gap with additional, portable coverage that works alongside your FEGLI benefits.
or domestic partners
(to age 26)
Group Long-Term Disability (LTD) Insurance
GEBA’s Group Long-Term Disability coverage helps protect your income if you are unable to work due to a disabling accident or illness.
tax-free1 monthly benefits for you and your spouse
of gross monthly salary
- FERS employees receive 60% of their salary for the first year (taxable), and then 40% until retirement eligibility.
- CSRS employees receive 40% of their salary (taxable) until retirement eligibility.
Get application decision in minutes with QuickDecision℠2
- Online application
- Online decision in minutes – no medical questions, no medical exam
- Coverage decisions without lengthy paperwork for many applicants
Why It Matters for Federal Employees
Group Term Life
Life insurance isn’t just about replacing income; it’s about preserving financial stability during life’s most challenging moments, especially when key life events may signal it’s time to review your coverage.
Birth or adoption of a child
Children approaching college age
Preparing for retirement
Several years passing without a coverage review
Group Long Term Disability
Most people assume disabilities come from workplace accidents or sudden injuries. In reality, they’re far more likely to come from everyday health issues.
If you’re unable to work, disability insurance helps protect:
Mortgage or
rent payments
Daily living
expenses
Support for
your family
Long-term savings
and retirement
How Does GEBA Compare?
Use the tools below to compare coverage, estimate costs, and see how much insurance you may need.
This coverage is not available to Sponsored Family Members.
1Please consult a tax advisor for more information.
2QuickDecision℠ is available to eligible federal employees up to age 60 for up to $600k in life insurance and up to age 50 for monthly long-term disability benefits up to $3,000, subject to eligibility and underwriting.
3To qualify for this offer, you must be a U.S. citizen, 50 years or younger, and a civilian Federal employee, or Military, and not previously decline for coverage. To apply for this coverage, use gebafifty.nylinsure.com application.
4“Hey Gen X: Time to Protect Your Income,” Council for Disability Income Awareness, July 2024 & Disability Benefits (Publication No. 05-10029), Social Security Administration, February 2025
QuickDecision℠ Processing
QuickDecision℠ processing may provide an immediate decision on your application. Approval is conditional upon verification of association membership status and coverage limit eligibility. In some cases, your application may be referred for additional underwriting review, and an underwriter may contact you to verify information. If you are not approved through QuickDecision℠ processing, you may still be eligible to apply for coverage through traditional underwriting.
QuickDecision℠ processing is not available in all states and is not available in Puerto Rico.
Underwriting Information
GEBA Group Term Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, on Policy Form GMR under Group Policy No. G-29555-1.
GEBA Group Long-Term Disability Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, under Group Policy No. G-29344-0 on Policy Form GMR-FACE/G-29344-0.
Additional Disclosures
Before applying, please review the additional policy information for details regarding features, costs, eligibility, renewability, limitations, and exclusions. Coverage is not available in all states. Visit www.geba.com/termlife for information on GEBA’s Group Term Life Insurance and www.geba.com/longtermdisability for details on GEBA’s Group Long-Term Disability Insurance.
NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
New York Life Insurance Company’s state of domicile is New York. NAIC ID #66915.
New York Life is licensed and authorized to conduct business in all 50 U.S. states, the District of Columbia, Puerto Rico, and Canada. However, not all group policies are available in all jurisdictions. Please refer to the applicable insurance brochures for current availability.
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