USPS Disability Insurance Benefits Explained

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

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-Covers accidents + sickness
–Hospitalization can trigger benefits day 1 (subject to policy terms)
–Guaranteed renewable to age 70
–One rate regardless of age or sex (subject to underwriting/program rules)

How USPS Disability Insurance Benefits Work

If you work for the United States Postal Service, your income may not be fully protected if illness or injury prevents you from working. Disability insurance for USPS employees helps provide monthly income benefits when you are unable to work due to a covered accident or sickness.

This group disability income policy is designed specifically for postal and federal employees, offering predictable benefits, guaranteed renewability, and coverage that works alongside other benefits you may already have.

Whether you’re a carrier, clerk, mail handler, or supervisor, the right policy can help protect your paycheck and provide peace of mind.

WHY IT MATTERS

USPS employees perform essential and often physically demanding work. From repetitive motion injuries to unexpected illnesses, the risk of being unable to work is higher than many people realize.

While postal workers may have access to sick leave or limited employer benefits, many employees discover coverage gaps that can create financial stress. Disability insurance provides additional income protection when you need it most.

Full USPS Employee Benefits (click)

WHAT IT COVERS?

This disability income insurance policy pays monthly benefits for total or presumptive disability if you are unable to work due to a covered accident or sickness. Benefits begin after the selected elimination period and continue while total disability lasts or until the end of the benefit period.

• Accident-related disability — monthly benefits if injury prevents you from working
• Sickness-related disability — monthly benefits for covered illnesses
• Presumptive disability — elimination period does not apply
• Hospitalization benefit — if hospitalized for a covered accident or sickness, benefits can begin on the first day admitted

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.

IMPORTANT POLICY FEATURES USPS EMPLOYEES CARE ABOUT

• Guaranteed renewable to age 70
• One rate regardless of age or sex
• Coverage for childbirth and pregnancy complications (treated as sickness)
• Pre-existing conditions covered after 12 months
• Coverage applies whether disability occurs on or off duty (subject to policy terms)
  
  

📊 Example USPS 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 USPS 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***