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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: Why do I need supplemental disability insurance?

Having a comprehensive disability program is essential for all working employees, and federal employees are no different. While you do have leave and disability retirement, these programs work as a base; but they can fall well short of what you may need if you were to suffer a prolonged disability.