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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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Can I take the coverage when I retire or leave my job?

The disability insurance plan is convertible to all active federal employees which means you can move 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.