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Law Enforcement Officers (LEO), Air Traffic Controllers, and Fire Fighters covered under the Special Groups Retirement System with less than 20 years of service credit under the Special Groups Retirement will revert back to a regular employee retirement under FERS, if they become disabled and qualify for disability retirement under FERS.

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Q: How does Accident Insurance coverage work?

Accident insurance can be an important coverage in addition to both medical and disability benefits. 

This plan pays IN ADDITION to your medical insurance.  So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays.  It is specifically designed to provide you financial means to help you cover costs associated with the unplanned out of pocket expenses associated with having an accident.

The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your deductible and co-insurance and could provide you an additional financial safety net when you need it the most.