Q: Do you provide educational seminars?We offer a comprehensive series of educational seminars that cover the gamut of both federal benefits as well as...
Q: Who Needs Insurance?People need insurance for a variety of reasons...
Q: Are you a member of the Better Business Bureau?Yes, we want the people who put their trust in us to know we take our business seriously and want to make sure our clients are treated fairly, professionally and with respect. ...
Q: Share of Costs for Benefits?What is my share of costs for federal benefits?...
Q: How do we compare?Competition creates better products and we believe that compared to our competition we offer the best disability insurance product for federal employees....
Q: Who are your partners?As part of our commitment to you, FedAdvantage has partnered with some of the highest rated and most recognized insurance carriers and wholesalers in the world. ...
Q: Who is eligible to enroll?All active federal employees and federal contractors* working at least 20 hours per week are eligible...
Q: How does it work?Our program is designed to fill in the gaps with your federal programs; it does not replace any of your current benefits....
Q: How long are benefits paid?Benefits under our program will be paid out for as long as you are disabled under the program or until you reach the following maximum benefit periods...
Q: What are waiting periods?Waiting periods are time deductibles that begin the day you become disabled. These deductibles are based on calendar days and each of our plan options offer the following waiting periods:...
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....
Q: How do I enroll?You need to complete an enrollment form and submit it to our service center. You can enroll on-line or complete the form and return it (fax, mail, or e-mail) to our service center. ...
Q: Do I have to take a physical exam? No, a physical exam or evidence of health is not required. All eligible employees are given guaranteed acceptance when enrolling on our program....
Q: Is there a pre-existing condition?Yes, whether you enroll in our short term, long term or combination disability insurance program; they all have the same pre-existing condition clause......
Q: What other exclusions or limitations exists?Exclusions include, war, insurrection, or rebellion, self-inflicted injury, attempted suicide, commission or attempt to commit a felony. Limitations on benefits apply to mental nervous, alcohol, drug, or substance abuse and are limited to 24 months.
For a more complete description of the exclusions and limitations please consult the group certificate....
Q: Can I change or cancel the plan?Yes, each year during our open enrollment season you can make changes to the plan and you can ...
Q: How does my leave and disability impact finances?There are at least five reasons you are financially exposed:...
Q: How do the disability plans compare?The Short Term, Long Term, and Combination plans different in benefits. ...
Q: How do I pay for the plan?Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees would pay monthly. All premiums are after-tax....
Q: Will my premiums increase with age? Yes, regardless of whether you enroll under the short term or long term disability plan our program is an age-banded group contract......
Q: What are my federal leave and disability benefitsYour employer offers two types of protection; leave and disability retirement. ...
Q: What’s wrong with my leave and disability benefitThere are three basic reasons your leave and disability benefits are not enough....
Q: What gaps in my benefits do your programs fill?There are three ways we fill the gaps in your federal leave and disability benefits:...
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...
Q: Where can I get forms for the MetLife voluntary life insurance program?Here you'll find forms if you are already enrolled in the FedAdvantage Voluntary Term Life Insurance program....
Q: Where can I get Accident Insurance Forms?Here you'll find forms if you enrolled in the Lincoln Financial Group Accident insurance program....
Q: Enrolled on or after 1/1/2014? Find forms for your MetLife supplemental disability insurance program.The forms on this page are for you if you enrolled January 1, 2014 and later, OR if you converted your Option 30, Option 60, or Option 90 plan to one of the new plans that became available January 1, 2014....
Q: Where can I find forms for my MetLife supplemental disability insurance program if I enrolled before January 1, 2014?The forms on this page are for you if you enrolled prior to January 1, 2014 and you are currently covered under Option 30, Option 60, or Option 90....
Q: How do I file a claim for the Medical Expense Insurance program?Although the claims process is simple, it requires YOUR PARTICIPATION. Please follow the instructions below so that we may process your claim on a timely basis....