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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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General *
Disability Insurance *
Inpatient Medical Expense Insurance *
Q: Who is eligible to enroll?
The Medical Expense Insurance plan is open to...
Q: When does the coverage become effective?
You become eligible for benefits under the plan on the...
Q: When I retire, can I keep it?
Yes, the Medical Expense Insurance plan is available to...
Q: How does it work?
A medical expense insurance policy is designed as a ...
Q: Will it work with all health options?
Yes, regardless of the health plan you choose...
Q: Why do I need Supplemental Inpatient Medical Expense Insurance?
This program can substantially reduce your inpatient out-of-pocket costs and...
Q: Can I still contribute to my Flexible Spending Account?
Yes, enrolling on the medical expense insurance...
Q: How do I enroll?
Enrollment is a breeze, simply follow these easy steps...
Q: Do I have to take a physical?
No, a physical exam or evidence of health is not ...
Q: What are the exclusions and limitations?
For an expense to be eligible under the medical expense insurance...
Q: When can I cancel the plan?
You may cancel the plan at anytime....
Q: What gaps does it fill?
A medical expense insurance policy is designed as a companion...
Q: What are some basic plan benefits of the inpatient medical expense insurance program?
This benefit is designed to offset the cost you incur as an ...
Q: Do you have any examples of how the inpatient medical expense insurance benefits might apply?
Here is an example of Inpatient Medical Expense Insurance benefits...
Q: How do I pay for the plan?
Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees and Retirees would pay monthly. All premiums are paid after-tax....
Q: Will my premiums increase with age after my initial enrollment?
No! The monthly premiums are age-banded. However, ...
Q: How do I submit a claim?
In order to receive benefits under our program you need to...
Claim Forms *

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