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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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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 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 Long Term 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 The Standard, we offer a choice of four 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.

Learn more about our Disability Plans

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