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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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Q: Why do I need supplemental disability insurance?

Having a comprehensive disability program is essential for all working employees, and federal employees are no different. While you do have leave and disability retirement, these programs work as a base; but they can fall well short of what you may need if you were to suffer a prolonged disability.