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Regardless of your age when you retire, the retiree life benefits under FEGLI don’t start until you reach age 65. Retiree life options under FEGLI allow for employees to gradually reduce their insurance while discontinuing their premiums. If you retire from federal service prior to age 65, you will continue to pay your FEGLI premiums at the same rates as an active employee.
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Q: How do the Long Term Disability Plans compare?

Long Term Disability Plans Benefit Comparison

Benefit Description
Short Term and Long Term Disability Combo Long Term Only

BasicPremierPremier
Plus
Premier LT
Waiting Period (Days)
30
3030 180
Benefit Amount - 60% of Salary
$15,000 Monthly Maximum Benefit
$100 Monthly Minimum Benefit
Benefit Duration to Age 65
Pre-Existing Condition (12 Month Look Back Period/24 Month Covered Period)
2 Year Own Occupation
  (80/60 Income Protection)

3-Year
Own Occ
24-Hour Coverage/Own Occupation
10% Rehabilitative Incentive
12 Months Back to Work Incentive
Benefits Income Tax-free
Work Place Possibilities
Assisted Living Benefit

80%100%80%
Lifetime Security Benefit

24 Months; $200/Month Medical Benefit



Benefit Waiting Period means the period you must be continuously Disabled before LTD Benefits become payable. No LTD Benefits are payable for the Benefit Waiting Period.

A preexisting condition is a mental or physical condition whether or not diagnosed or misdiagnosed:

  • For which you would have consulted a physician or other licensed medical professional; received medical treatment, services or advice; undergone diagnostic procedures, including self-administered procedures; or taken prescribed drugs or medications
  • Which, as a result of any medical examination, including routine examination, was discovered or suspected

Preexisting Condition Period The 12 months period just before your insurance becomes effective.

Own Occupation = Own Occupation means any employment, business, trade, profession, calling or vocation that involves Material Duties of the same general character as the occupation you are regularly performing for your Employer when Disability begins. In determining your Own Occupation, we are not limited to looking at the way you perform your job for your Employer, but we may also look at the way the occupation is generally performed in the national economy. If your Own Occupation involves the rendering of professional services and you are required to have a professional or occupational license in order to work, your Own Occupation is as broad as the scope of your license.

Material Duties means the essential tasks, functions and operations, and the skills, abilities, knowledge, training and experience, generally required by employers from those engaged in a particular occupation that cannot be reasonably modified or omitted. In no event will we consider working an average of more than 40 hours per week to be a Material Duty.

24-hour LTD plans provide coverage for disabilities occurring on or off the job
If you agree to participate in a rehabilitation plan that prepares you to return to work (plan must be approved by The Standard), you may be eligible to receive an additional benefit equal to 10 percent of your pre-disability earnings. When added to any other amount you receive from The Standard, your total benefit cannot exceed the maximum benefit allowed by the policy.
If you agree to participate in a rehabilitation plan that prepares you to return to work (plan must be approved by The Standard), you may be eligible to receive an additional benefit equal to 10 percent of your pre-disability earnings. When added to any other amount you receive from The Standard, your total benefit cannot exceed the maximum benefit allowed by the policy.
A program that manages absence and disability by deploying a nurse or vocational specialist on-call with the HR Department.
Your benefit will increase by 20% or 40% of your pre-disability earnings when you are unable to perform two or more Activities of Daily Living or suffering severe cognitive impairment. The maximum benefit amount cannot exceed $5,000 in addition to the LTD benefit.
Your LTD benefit (amount in effect when the claim closes) payments will continue beyond the regular plan Maximum Benefit Period if you are unable to perform two or more Activities of Daily Living or are suffering severe cognitive impairment.
Your benefit will be increased by 20 percent of your pre-disability earnings when you are unable to perform two or more Activities of Daily Living or suffering severe cognitive impairment. The maximum benefit amount cannot exceed $5,000 in addition to the LTD benefit.
If you become Disabled and LTD Benefits are payable to you, you may also receive an additional Medical Expense Benefit in the amount of $200 each month for up to 24 months.

Additional Plan Benefits

  • Family Care Incentive - Included in Rehabilitation Plan Provision.
  • Survivor Benefit – 3 times your monthly benefit is paid to your survivors.
  • Employee Assistance Program - 3 face to face visits included
  • Temporary Recovery in Benefit Waiting Period (BWP) – 90 days temp recovery during BWP, 180 days during maximum benefit period. 

General Information for The Standard Disability Insurance Programs

Plan Highlights for New Members (Effective after 11/1/2017)