Our Benefits Are Unbeatable

Health and Life Insurance • Retirement • 401 (k) Savings • Flexible Spending • Paid Annual and Sick Leave • Tuition Assistance • 12 Paid Holidays 

Additional Employee Benefits

  • Awards
  • Workers & Unemployment Compensation
  • Sunday Premium Pay
  • Use of Morale, Welfare and Recreation Activities
  • Discounts on Tickets & Vacations
  • On Base Child Care 
  • Shop at the Exchange

NAF Health Benefits

Air Force NAF health benefits are offered as part of the DoD NAF Health Benefits Program. Health benefits include medical, dental, vision, and prescription drug coverage. To view the 2023 Air Force Services Benefits click here

Aetna offers three medical plans based on where you live. To view which of one of these you qualify for, click here. 

Medical Plans

Participating in the DoD Health Benefit Plan has a lot of perks — starting with finding everything you need in one convenient place. Provided below are product guides, where you can access your complete health plan information. Get more information on Aetna Health Plans here! 

2022 Premiums

Life Insurance Benefits

MetLife is the carrier for Air Force (NAF) Life Insurance Benefits. You may enroll for partially employer-paid Basic Term Life and Accidental Death & Dismemberment coverage, voluntary Supplemental Term Life insurance coverage, and Dependent coverage.

Basic Term Life and Accidental Death & Dismemberment Insurance (for regular employees only)

Basic Term Life and Accidental Death & Dismemberment (AD&D) insurance pays a benefit based on your yearly earnings. Basic Life coverage includes a matching amount of Accidental Death and Dismemberment insurance for you.


Supplemental Life Insurance 

In order to enroll in Supplemental Life insurance, you must be a current employee and enrolled in Basic Life / AD & D coverage. 

Dependent Group Life Insurance

Dependent Group Life insurance lets you cover your Spouse/Domestic Partner and unmarried dependent children. You have two dependent Group Life insurance coverage options, as shown in the chart. *Children may continue to be covered until age 25.

Visit the Air Force (NAF) Life Insurance website for more plan provisions and certificate details. Click here! 

Health Care Accounts (FSA/HSA/HRA)
WageWorks response to COVID-19


An FSA is a tax-favored program that allows employees to pay for eligible out-of-pocket health care and dependent care expenses with pre-tax dollars. An FSA can help reduce your taxes and increase your take-home pay. The money contributed to an FSA is exempt from federal taxes, as well as most state payroll taxes.
Click here for WageWorks response to COVID-19

Flexible Spending Account (FSA)

The Health Care Flexible Spending Account

Used to pay for qualified medical costs and health care expenses that are not paid by your health benefits plan or any other insurance. Eligible expenses inlcude prescriptions, glasses, contact lenses and laser eye surgery, orthodontia and more.

The Health Care Flexible Spending Account (HCFSA)

Dependent Care Flexible Spending Account

Used to pay for eligible dependent care expenses such as child care for children under age 13 or daycare for anyone who you claim as a dependent on your federal tax return who is physically or mentally incapable of self-care. Eligible expenses can also include before-and-after school care, summer day camp and more.

Dependent Care Flexible Spending Account (DCFSA)

How do I  enroll in the NAF Health Care Programs? 

You are eligible to participate if you are a regular NAF employee. You may enroll online during the annual Open Enrollment period at New employees may enroll within 60 days of hire or date becoming eligible. If you have questions, call the WageWorks Customer Service Center at 1-844-842-1400, Monday through Friday, 8 a.m. to 8 p.m. ET.

Please note: You do not need to be enrolled in an employer-sponsored heath plan to enroll in FSA. Additionally, to continue your enrollment in FSA you must re-enroll every year. 

Health Savings Account (HSA)

After you have enrolled in the HDHP, CONUS employees may be eligible to enroll in the HSA.* This account can be used to save money to pay for qualified health care expenses — now and in the future. The best part? The Air Force will make a contribution of $500 (for employee only coverage) or $1,000 (for family coverage) at the beginning of the year to get your account started. You, too, can contribute funds from your paycheck on a pretax basis. The account is yours to use and let grow for future health care costs. There is no ‘use it or lose it’ rule. Note: You may not have both an HCFSA and an HSA.

Health Reimbursement Account (HRA)

Once enrolled in the HDHP, OCONUS employees will have an HRA available to them. This account is set up by the Air Force to be used to pay for qualified health care expenses — now and in the future. At the beginning of the year, the Air Force will make a contribution to this account of $500 (for employee only coverage) or $1,000 (for family coverage). Any money left in your HRA at the end of the year will roll over to the next year. HRA funds can be used to pay eligible health care expenses only during the time you are covered by the HDHP. More Information visit the DoD NAF Benefits website or PayFlex. You can also access your account, check on your claims, view your transactions, and more by downloading the PayFlex Mobile app. 

How do I enroll? Visit your local NAF Human Resources Office for enrollement instructions. To learn more click here.

The Air Force NAF Retirement Plan

The NAF Retirement Plan only requires employees to contribute 1% of their bi-weekly pay while the plan administrator contributes the bulk of the cost. The monthly annuity is determined based on factors such as age, time and salary. This plan is voluntary, but we hope that all eligible employees will participate.
To be eligible to participate in the NAF Retirement Plan, you must be a civilian employee under regular appointment (excluding off-duty military) and be employed by an Air Force NAFI Instrumentality in the United States (U.S.), or if employed outside the U.S., be a U.S. dollar-paid citizen, permanent resident or noncitizen national of the U.S. You may enroll upon completion of 12 months of regular Air Force NAF service. If you enroll within 30 days of when you are first eligible, those 12 months are included in credited service.

The Air Force 401 (k) Savings Plan

All regular Air Force NAF employee who is a U.S. citizen, a U.S. National or permanent resident alien of the U.S. and is on the U.S. Dollar payroll is eligible to participate in the Air Force NAF 401(k) Savings Plan after you have met the eligibility waiting period of 30 days of Air Force NAF regular service. You can make a pretax contribution of up to 92% of your compensation, subject to annual IRS limits. By participating in the plan you receive two tax breaks. First, your contribution are tax deductible. The money you contribute does not count toward your gross income for that tax year, which reduces or lowered your taxable income. Second, your earnings on your investment grows tax deferred. In addition to the tax benefit your Air Force Employer will match you contribution percentage up to 3% (See table below). Taking control of your financial health is an important factor in saving for retirement. There are articles and tools within your Principal Account Dashboard to help you create a plan and take steps toward abetter retirement. Employee Contribution 3%

The Federal Long Term Care Insurance Program™

Long term care is personal care and other related services provided on an extended basis to people who need help with specific everyday activities or who need supervision due to a severe cognitive impairment, such as Alzheimer’s disease. Long term care costs can be expensive and generally are not covered by the Federal Employees Health Benefits Program, TRICARE, or disability income insurance. Long term care insurance can help reduce your reliance on loved ones, improve your financial security and ensure your independence should you need long term care.

Coverage designed for the Federal family 

  • Helps pay for care in a variety of settings including at home, adult day cares, assisted livingfacilities and nursing centers.
  • At-home benefits include a range of services to provide quality care in a familiar setting.
  • Informal care can be provided by friends and family not living in your home (up to 500 days).
  • Coverage is portable and renewable, meaning you keep coverage as long as you pay your premium.

Who is Eligible? 

  • Federal employees in positions that convey eligibility for the FEHB and annuitants
  • Retired members of the uniformed services who are entitled to retirees or retainer pay
  • Qualified relative

How do I apply? 

  • If you are a new or newly eligible employee, we encourage you to apply within the first 60 daysof your hire or eligibility date.
  • You will be able to apply with abbreviated underwriting, meaning you will answer fewer healthquestions on the application. If you are married, your spouse can apply during this time frameeven if you choose not to.
  • If you’re in good health, you avoid the risk that you may be disqualified from illness if you appliedat a later date.


If applying after your initial 60-day eligibility window, you will need to complete the full underwriting application.
Call 1-800-LTC-FEDS (1-800-582-3337) or visit for more information including: 

  • Full and abbreviated online applications
  • Self-funding and cost of care tools
  • Frequently asked questions
  • Full eligibility listing