Question 1

What is FedAdvantage and who does it serve?

Accepted Answer

FedAdvantage educates and supports federal employees and eligible contractors with supplemental insurance and federal benefit guidance, bridging gaps in FERS retirement, health coverage, and income protection.

Question 2

What products does FedAdvantage offer?

Accepted Answer

Disability Insurance (short and long term), Professional Liability (FEPLI), Accident, Critical Illness, Hospital Indemnity, Life Insurance comparisons, Long-Term Care, and voluntary benefit programs for federal employees.

Question 3

How do I enroll or get a quote?

Accepted Answer

Click Enroll Now, enter your company code, create an account, and select Start Your Enrollment. For a quote click Get a Quote and complete the short form. Call 888-833-5594 for assistance.

Question 4

What does disability insurance cover?

Accepted Answer

Replaces a portion of income if unable to work due to covered illness or injury, protecting your paycheck and essential living expenses during extended absences.

Question 5

Who is eligible for disability coverage?

Accepted Answer

Active federal employees and eligible contractors working at least 20 hours per week. Postal workers are excluded. Contractors must be paid directly by their contracting agency.

Question 6

Are there disability exclusions or limitations?

Accepted Answer

Exclusions include war, self-inflicted injury, attempted suicide, and felony commission. Mental health and substance abuse benefits are generally limited to 24 months.

Question 7

Do federal employees automatically get short term disability?

Accepted Answer

No. The federal government does not provide automatic short term disability. Employees rely on accrued leave unless they purchase supplemental coverage.

Question 8

How does short term disability work?

Accepted Answer

Replaces a percentage of income if medically unable to work. Standard waiting period is 30 days and benefits may extend up to 2 years depending on the plan.

Question 9

What are key features of long term disability?

Accepted Answer

Typically replaces 60% of income after a 180-day elimination period, continuing until age 60 depending on policy. Most plans offset benefits received from OPM or Social Security.

Question 10

How does accident insurance work?

Accepted Answer

Pays cash benefits for covered injuries to help cover deductibles, ER visits, diagnostic tests, and hospital stays. No physical exam required, guaranteed issue, premiums never increase with age.

Question 11

What does critical illness insurance cover?

Accepted Answer

Provides a lump sum cash benefit of $10,000 to $30,000 if diagnosed with a covered condition such as cancer, heart attack, or stroke. No physical exam required, paid via monthly ACH.

Question 12

What is hospital indemnity insurance?

Accepted Answer

Provides cash benefits for hospital admissions to cover out-of-pocket expenses not paid by primary health coverage. Guaranteed issue, no exam required, effective on first premium receipt.

Question 13

What is professional liability insurance (FEPLI)?

Accepted Answer

Protects federal employees from administrative, civil, and criminal allegations arising from official duties. Under Public Law 106-58, eligible supervisors may receive up to 50% premium reimbursement, typically up to $150 per year.

Frequently asked questions

What is FedAdvantage and how does it help federal employees?

Who does FedAdvantage serve?

What products do we offer to supplement federal benefits?

What educational and consulting services does FedAdvantage offer federal employees?

How can federal employees enroll in FedAdvantage?

Where can federal employees find more information about supplementing their benefits?

How can I request a quote for supplemental insurance?

How long does it take to receive a quote?

Are there any costs associated with getting a quote?

What happens to my federal paycheck if I run out of sick and annual leave due to a medical emergency?

Why do federal managers and supervisors specifically need professional liability insurance?

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