Federal Employees Disability Coverage

Protect your paycheck if an illness or injury keeps you out of work — with coverage designed to fill the gaps between sick leave, FERS, and other benefits

Licensed agent • Fast phone review • Serving federal employees nationwide

Your Sick Leave Helps… Until It Doesn’t

Federal employees typically earn 4 hours of sick leave each pay period (about 13 days per year). That’s helpful, but a longer injury, surgery, or serious illness can turn into weeks or months of reduced income pressure if you’re out longer than expected. Office of Inspector General

Even if you have strong federal benefits, many employees still discover gaps:

• Sick leave can run out faster than people think
• FERS disability retirement can be complex and may not replace full income
• Workers’ comp doesn’t apply to many off-duty situations
• Bills don’t pause when your paycheck does
  
  
  That’s where supplemental disability insurance comes in — it helps replace income when you can’t work due to a covered condition.
  

How Monthly Disability Benefits Work

If you become totally disabled due to a covered accident or covered sickness, this plan can pay a monthly cash benefit after your elimination period (waiting period). Benefits continue while total disability lasts, up to the maximum benefit period selected — subject to the policy terms.

What its for?

• Mortgage/rent, car payments, utilities
• Groceries, childcare, medical out-of-pocket costs
• Keeping savings intact during recovery

Coverage Highlights Federal Employees Care About

• Accident + Sickness Coverage
• Benefits may be payable for total disability caused by a covered accident or covered sickness (subject to policy terms).
• Hospital Admission Feature
• If you’re hospitalized as a resident bed patient for a covered sickness or accident, benefits can begin on the first day admitted rather than waiting for the elimination period (per policy language).
• Guaranteed Renewable to Age 70
• Designed for long-term stability and continuity.
• One Rate Regardless of Age or Sex
• A simplified rate structure (per plan rules).
• Pre-Existing Conditions
• Pre-existing conditions may be covered after 12 months (subject to policy terms).
• Pregnancy / Childbirth
• Childbirth and pregnancy complications are treated as sickness (per plan language).
• Waiver of Premium
• Premiums due after you’ve received total/presumptive disability benefits for 90 consecutive days may be waived while benefits are payable (per policy terms).
• Works With Other Benefits
• Can pay in addition to other insurance and may coordinate alongside other programs (policy-specific; include your exact limit language).

Benefits and eligibility vary by plan and state. All coverage is subject to policy definitions, limitations, exclusions, and underwriting***

What Is the Elimination Period (Waiting Period)?

The elimination period is the time between when a covered disability begins and when benefits are payable. Many federal employees choose a waiting period that matches their sick leave balance and emergency savings

• “I have little sick leave saved” → shorter wait
• “I have a good leave balance” → moderate wait
• “I want the lowest cost” → longer wait

Real-Life examples

Common Situations This Helps With

• Back/neck injury → can’t perform duties for 6–12 weeks
• Surgery recovery → limited work capacity
• Illness complications → extended time away
• Pregnancy (covered as sickness per plan language)

A quick review helps you see what you’d qualify for and what the cost looks like.

Request Review

BENEFIT PERIOD & BUILDING BENEFITS

One unique feature of this disability policy is the Building Benefit Rider, which can increase your maximum benefit period the longer the policy stays in force.

• Year 0: Up to 12 months
• Year 1: Up to 13 months
• Year 2: Up to 14 months
• Years 3–4: Up to 15 months
• 5+ years: Up to 18 months
  

Why This matters for USPS employees:

The longer you maintain coverage, the more protection you can build — without reapplying or changing jobs.

📊 Example Federal Disability Rates – 14-Day Elimination Period

(Rates shown are example estimates for USPS employees. Final rates vary based on benefit amount, benefit duration, age, and underwriting approval)*

Monthly Income Protected	6-Month Benefit Period	1-Year Benefit Period
$1,000 / month	~$24 bi-weekly	~$31 bi-weekly
$1,500 / month	~$37 bi-weekly	~$46 bi-weekly
$2,000 / month ⭐ Most Chosen	~$49 bi-weekly	~$62 bi-weekly
$2,500 / month	~$61 bi-weekly	~$77 bi-weekly
$3,000 / month	~$73 bi-weekly	~$93 bi-weekly

A 14-day elimination period is popular among postal employees because it helps bridge the income gap when sick leave or employer benefits run out. Coverage applies whether a disability occurs on or off duty, subject to policy terms.

📊 Example Federal Disability Rates – 30-day Eliminastion Period

(Rates shown are example estimates for USPS employees. Final rates vary based on benefit amount, benefit duration, age, and underwriting approval)*

Monthly Benefit	6-Month Benefit	1-Year Benefit
$1,000 / month	~$14	~$19
$1,500 / month	~$22	~$28
$2,000 / month ⭐ Most Chosen	~$29	~$37
$2,500 / month	~$36	~$47
$3,000 / month	~$43	~$56
$3,500 / month	~$50	~$65
$4,000 / month	~$57	~$75
$4,500 / month	~$65	~$84
$5,000 / month (Maximum)	~$72	~$93

Rates shown are rounded estimates for illustration purposes. Actual premiums depend on benefit amount, benefit duration, underwriting approval, and policy terms***

FAQ

Does this policy cover sickness as well as accidents?

Yes. Monthly benefits are payable for total disability caused by either a covered accident or covered sickness, subject to the policy’s terms and elimination period

What happens if I’m hospitalized?

If you are hospitalized as a resident bed patient for a covered sickness or accident, benefits can begin on the first day admitted, rather than waiting for the elimination period.

Will my rate increase as I get older?

No. This policy uses one rate regardless of age or sex and is guaranteed renewable to age 70

Can this work with Workers’ Compensation?

Yes. The policy can pay in addition to other benefits, including up to 50% of Workers’ Compensation or similar programs.

Call/Text 754-306-2687

If you’re a USPS employee and want to protect your income with a policy designed specifically for postal and federal workers, request a personalized disability insurance review. We’ll help you understand benefit amounts, waiting periods, and how this coverage fits alongside your existing benefits
.