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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: Why do I need Supplemental Inpatient Medical Expense Insurance?
This program can substantially reduce your inpatient out-of-pocket costs and the financial burden these medical expenses can create. It may even help you reduce the overall cost of maintaining quality health insurance by allowing you to combine a health insurance policy with a higher deductible and co-insurance requirement with the Inpatient Medical Expense Insurance plan.

Key Benefits
Covers inpatient benefits.
Covers both in-network and out-of-network care.
Payments can be paid to either you or your medical providers, if assigned.
It’s affordable with premiums paid through salary allotment.
Guarantee issue – No medical evidence required. 
No pre-existing conditions.