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65% Of American Cancer survivors said they did not have sufficient income to cover out-of-pocket expenses for cancer treatment and other incurred debts related to the illness following treatment. 

Insights From Survivors: Managing the Personal, Emotional and Financial Impact of Cancer, Washington National Institute for Wellness Solutions, 2014.

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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.