Government Shutdown FAQ's
Government shutdowns create uncertainty, but your benefits remain secure. This FAQ is here to answer common questions about your coverage, premium payments, and how FedAdvantage supports you during this time. If you have additional questions or concerns, our team is here to help.
1. What happens to my insurance premium if the government is shut down and I don’t get paid?
Your coverage does not automatically end if your payroll allotment is missed during the shutdown. Once federal payroll resumes missed allotments are typically reconciled automatically. If you pay by ACH, your payment will continue as usual.
2. Will ACH payments still come out during the shutdown?
Yes. ACH (direct bank draft) payments are not affected by the government shutdown, since they are handled through your bank account and not the federal payroll system.
3. Will my coverage lapse during the shutdown?
No. Your supplemental disability coverage remains active as long as premiums are caught up once normal payroll operations resume. FedAdvantage and our carriers provide grace periods to ensure members are not penalized for shutdown-related disruptions.
4. If I need to file a disability claim during the shutdown, will it still be handled?
Yes. Claims processing remains fully operational. You can file a claim, and benefits will be paid even if federal payroll systems are temporarily paused.
5. Can I switch from payroll allotment to ACH if I’m worried about delays?
Yes. Members who want uninterrupted payment processing can switch to ACH (direct bank draft). Contact FedAdvantage at customerservice@fedadvantage.com for the form and instructions.
6. If my payment is late because of the shutdown, will I be penalized or lose coverage?
No. We understand that late payments during a shutdown are beyond your control. Grace periods are in place, and once payroll resumes, any missed payments will be reconciled automatically. You will not lose coverage due to the shutdown alone.
7. Can I still enroll during the shutdown?
Yes. Enrollment remains open. Applications can be submitted and processed as normal, and coverage can begin. If your payment method is payroll allotment, deductions will start once payroll resumes. If you use ACH, payments will begin immediately. Please note that your coverage does not become effective until the first premium has been received.
8. Who can I call with additional questions?
You can reach the FedAdvantage Member Services team at (888) 833-5594 or info@FedAdvantage.com. Our team is available to help you with questions about coverage, payments, or claims during the shutdown.