Income protection for federal employees
Federal Employee Disability Insurance
Supplemental disability income coverage can help protect part of your monthly income when a covered illness or injury keeps you from working.
Built around your situation
- Your current sick-leave balance
- Your household’s monthly obligations
- Your preferred waiting period
- Your desired benefit amount and duration
Protect the paycheck behind the benefits
Your federal benefits are valuable. Income gaps can still happen.
Health coverage helps with eligible medical expenses, but it does not replace your regular paycheck. Sick leave can help for a period of time, yet a longer illness or off-the-job injury may put pressure on savings and monthly cash flow.
Supplemental disability insurance is designed to pay a monthly benefit after a covered disability and applicable waiting period. The benefit can help you keep up with everyday expenses while you focus on recovery.
Benefits may help with
- Mortgage or rent payments
- Groceries and utilities
- Vehicle and transportation costs
- Out-of-pocket medical expenses
- Other ongoing household bills
How coverage works
Three decisions shape your plan.
Monthly benefit
Select an available benefit amount that reflects your income and essential expenses.
Waiting period
The elimination period is the time between the start of a covered disability and when benefits become payable.
Benefit period
Review how long benefits may continue for a covered claim, subject to the policy’s terms and limits.
What to review
Look beyond the monthly price.
A useful comparison considers how the policy defines disability, what it excludes, when benefits begin, how long they can last, and whether coverage can move with you if employment changes.
We walk through these details in plain language so you understand what you are applying for.
- Accident and sickness coverage definitions
- Elimination-period options
- Monthly benefit limits
- Benefit-period choices
- Exclusions and limitations
- Portability and renewal provisions
Common questions
Federal disability insurance FAQ
Does federal health insurance replace lost income?
No. Health insurance is designed to help pay eligible healthcare expenses. Disability income insurance is designed to provide a benefit when a covered disability prevents you from working.
Can this work alongside sick leave?
It may. Many employees choose a waiting period after considering their sick leave and emergency savings. Coordination depends on the policy and your employer benefits.
What is an elimination period?
It is the waiting period between the start of a covered disability and the date benefits become payable.
Is every federal employee automatically eligible?
No. Eligibility, underwriting, benefit limits, and availability vary by carrier, plan, state, occupation, and other factors. A review is required.
Federal employee disability questions, answered
Review the differences between paid leave, disability retirement and a separate supplemental disability policy.
Review your federal employee coverage options.
Tell us a little about your role and what you want to protect.
Federal employees may also qualify for additional member benefits through FEBA — the Federal Employees Benefit Association, which offers supplemental insurance options and exclusive perks for federal, postal, and DC government employees.
This page is for general educational purposes and is not a guarantee of eligibility, benefits, or claim payment. Product availability, rates, policy provisions, and underwriting requirements vary. Review the issued policy for full terms, exclusions, and limitations.