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?While no medical questionnaire is required to enroll in the disability insurance program, please be aware that a Preexisting Condition provision applies if you become ......
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 Long Term Disability Plans compare?The Short Term, Long Term, and Combination plans different in benefits. ...
Q: What is Workplace Possibilities?We offer a Dedicated Work Place Possibilities Consultant for all FedAdvantage enrolled members for return to work and stay at work services. Services include:...
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: What is FedAdvantage's Accident Insurance?Accident Insurance for Federal Employees provides cash benefit(s) for a covered injury, related services and treatments...
Q: How does Accident Insurance coverage work?Federal Employees receive a direct payment for a covered injury and related services....
Q: As a Federal Employee, why do I need FedAdvantage's Accident Insurance?Accident insurance can help relieve the financial impact of a covered accident. You can use the direct payment(s) in any way you choose...
Q: Who can enroll in FedAdvantage's Accident insurance?You’re eligible if you’re a full-time federal employee working 20 hours per week....
Q: Am I guaranteed to be enrolled in FedAdvantage's Accident insurance?This coverage is guaranteed issue for Federal Employees. So, if you enroll, you are automatically issued coverage....
Q: Can I take the coverage if I leave my job?The Accident insurance coverage you enrolled under as a Federal Employee is portable....
Q: Can I see an example of how my Accident insurance benefits might work?See an example of how Accident insurance works in this benefit example....
Q: What is Critical Illness insurance?A lump sum benefit paid directly to you when you or a dependent is diagnosed with a covered illness...
Q: How does Critical Illness coverage work?You and your dependents are eligible for coverage. You choose the amount of coverage ($10,000; $20,000; $30,000)...
Q: Why consider a benefit like Critical Illness Insurance?Critical Illness Insurance is designed to complement your health plan and provide an additional financial safety net if...
Q: Why do I need Critical Illness Insurance?Critical Illness Insurance can help relieve Federal Employees of the financial impact of an illness....
Q: What does Critical Illness insurance cover?Some people may end up using the lump sum to pay for everyday expenses such as mortgage or rent, groceries, increased costs associated with child care as significant others are...
Q: How much Critical Illness coverage am I able to purchase?Federal Employees may purchase 3 levels of coverage....
Q: What should I consider when making an enrollment decision on Critical Illness Insurance?If I was diagnosed with a serious critical illness (one that was covered by this policy) do I have enough savings that I would be able to pay for...
Q: Am I eligible for Critical Illness insurance?You’re eligible for coverage if you’re a full-time Federal Employee and work 20 hours per week....
Q: Is there a Critical Illness insurance guarantee?For Federal Employees this coverage is guaranteed issue, no denials....
Q: Can I take my Critical Illness insurance coverage if I leave my job?Coverage is also portable, so if you terminate your employment you may continue your coverage under a group plan at group rates....
Q: Is there an example that demonstrates how to use the Critical Illness insurance?Rachel's story shows how Federal Employees might use this 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...
Q: Where can I get claim forms for The Standard Disability Insurance Program?Here you'll find forms if you enrolled in the The Standard Disability insurance program....
Q: Where can I get forms for the MetLife voluntary life insurance program?Please call our Customer Service Center at 1-866-973-6605 or ......
Q: Enrolled on or after 1/1/2014 in the MetLife supplemental disability insurance program?Please call our Customer Service Center at 1-866-973-6605 or ......
Q: Where can I find forms for my MetLife supplemental disability insurance program if I enrolled before January 1, 2014?Please call out Customer Service Center at 1-866-973-6605 or ......
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....
Q: How do I file a Critical Illness and/or Accident insurance claim?Everything you need to know about who, what, when, where to file either/or a Critical Illness or Accident insurance claim....