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Law Enforcement Officers (LEO), Air Traffic Controllers, and Fire Fighters covered under the Special Groups Retirement System with less than 20 years of service credit under the Special Groups Retirement will revert back to a regular employee retirement under FERS, if they become disabled and qualify for disability retirement under FERS.

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Disability Solutions to Protect You

Protect your income, pension and future.

All Federal Civilian Employees, except Postal Workers (USPS employees), can enroll in group Short Term Disability (STD) and Long Term Disability (LTD) to supplement their leave and disability retirement programs and fill the gaps in your benefits. Our supplemental disability insurance is not intended to duplicate or replace your current benefits, but rather to fill the gaps and make them more complete.

What You Have

Your employer offers two types of protection; leave and disability retirement . While at first glance these programs may appear to provide adequate disability protection – they don’t. The main problem is your leave and disability are separate and don’t work together. Qualifying for one doesn’t mean you’ll qualify for the other; therefore there is no set timetable to gauge when benefits begin, end, or how long the benefits will pay out.

What’s wrong with your leave and disability retirement?

Primarily you’re exposed in three ways:

  1. Your Paid Leave isn’t enough
  2. You’ll have to live on a reduced fixed pension
  3. Your employer doesn’t offer any assistance in helping you get back to work

As a result, these gaps in your coverage can leave you exposed financially.

There is a Solution

FedAdvantage offers supplemental disability insurance designed to "fill the gaps" in your leave and disability retirement benefits, providing federal employees with the peace of mind in knowing they can protect their income through a comprehensive disability insurance program.

Underwritten by MetLife, we offer a choice of three programs intended to meet the needs of all federal employees. Please note: Postal workers (USPS employees) are an excluded class under the program and are not eligible to enroll.

  1. Short-Term Disability (STD) insurance
  2. Long-Term Disability (LTD) insurance
  3. Combination of both (short and long term disability) insurance plans

Learn more about our Disability Plans


Get an instant cost vs. benefit quote or a Disability Financial Impact Analysis