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High Deductible Health Plans and traditional medical insurance may not cover all of the expenses related to the treatment and recovery from a major illness.

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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:

Long Term Disability (LTD):  depends on your plan

  • Basic: 30 days
  • Premium - 30: 30 days
  • Premium - 180: 180 days
  • Premium Plus: 30 days

If you enrolled in the FedAdvantage supplemental disability programs prior to 1/1/2014, please Contact Us: Service Center Contact Form for your specific plan details.