Disability Insurance Protects Your Most Important Asset:
Your Income.
Disability Insurance replaces a portion of your income if illness or injury keeps you from working. As a Federal Employee, you do not have access to disability insurance through your employer. 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. Let us set you up with the right amount for your lifestyle.
How it Works
FedAdvantage Disability Insurance helps federal employees protect their financial stability during tough times when illness or injury keeps you from work.
Coverage you need.
Your life can change in a second. We help you think about the what if’s, so if trouble strikes, you are prepared. Protect your income.
Ease financial stress.
Income replacement to protect you for both the short and long-term duration that can come with a disabling condition.
Focus on recovery.
Replacing your income is just one part. Disability Insurance also provides vocational and rehabilitative services to help you get back on your feet.
Disability Insurance is not available to residents of Washington State.
Disability Insurance
Stand Alone Plans
Benefit Description of Stand Alone Plans
"Bought before I became pregnant and they paid the appropriate portion of my maternity leave, on time. Simple. Wish more feds knew about this plan."
- Rebecca C.
"I've had them for years and three claims. They always paid my claims. They were there when I needed them most."
- Derek D.
Disability Insurance is not available to residents of Washington State.
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Protect Your Income.
Replacing up to 60% of your income tax-free provides money to meet your current financial obligations.
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Protect Your Pension.
Integrating with your reduced fixed FERS pension could help shield your TSP from premature withdrawals.
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Protect Your Future.
Our Proactive return-to-work programs can help you get back on your feet and back to work.
Don't wait until it’s too late.
Protect you and your family now!
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Peace of mind doesn’t always have to be expensive.
The FedAdvantage Disability Insurance is not intended to replace your existing benefits, but rather “fill the gaps” in your coverage. Our program can help you protect your income, your pension, and your future.
Disability Insurance FAQs
Below you’ll find answers to the questions we get asked the most when inquiring about Disability Insurance
What is Disability Insurance?
Disability insurance replaces a portion of your income if you can’t work for a prolonged time due to an accident or illness.
How does Disability Insurance work?
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You can no longer work due to an accident, illness, or some other medical condition.
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Complete a claim form, which involves three parts: Employee Statement, Employer Statement, and Physician Statement.
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While the claim is processing you complete your elimination period of 30 or 180 days, depending on plan.
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Receive benefits under the terms of the contract until you are medically cleared to return to work, or reach the maximum benefit age.
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Optional vocational and rehabilitative training assists disabled federal employees in getting back on their feet and back to work.
Who is eligible to enroll?
All active federal employees and federal contractors* working at least 20 hours per week are eligible except for postal workers. Postal workers (USPS employees) are an excluded class under the program and are not eligible to enroll.
*In order to be eligible for enrollment, federal contractors must receive compensation directly from their contracting agency.
Do I have to take a physical exam?
No, you are not required to take a physical exam or provide medical evidence in order to enroll on our disability program.
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 disabled within 24 months of becoming insured.
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Consulted a physician or other licensed medical professional;
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Received medical treatment, services, or advice;
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Undergone diagnostic procedures, including self-administered procedures; or
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Taken prescribed drugs or medications
Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.
When does the coverage become effective?
Your coverage becomes effective on the date your first allotment is received.
How do I enroll?
Enrollment is simple, enroll online and we’ll process the form (1 – 2 business days) and mail you instructions for setting up your payroll deduction. You are not actively enrolled in the program until you have set up and made your first allotment.
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.
What exclusions or limitations exist?
Exclusions include: war, insurrection or rebellion, self-inflicted injury, attempted suicide, commission, or attempt to commit a felony.
The 24-month limitation of benefits include mental nervous disorders, alcohol, drug or substance abuse.
Yes, our program is an age-banded group contract as follows:
Regular Employees: Under 35, 35-44, 45-49, 50-54, 55-59, 60 & over.
Special Groups Employees: Under 35, 35-44, 45-49, 50-54, 55+
Title 38 & Title 38 Hybrid Employees: Under 35, 35-44, 45-49, 50-54, 55-59, 60+
Can I change or cancel the plan?
Yes, you can make changes or cancel your plan at any time.
Can I take the coverage when I retire or leave my job?
If you leave federal service you may convert the plan to an individual plan (different rates and coverage) without having to pass underwriting, providing medical evidence, or having to go through another pre-existing condition.
Since disability insurance protects your paycheck if you can't work, coverage is not needed (or available) in retirement.
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