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 benefits
Your employer offers two types of protection; leave and disability retirement. ...Q: What’s wrong with my leave and disability benefit
There 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:...