FedAdvantage is a specialized program dedicated to educating federal employees about their employer-sponsored benefits, FERS retirement, and financial planning. Because federal benefits do not offer cradle-to-grave protection, we offer comprehensive supplemental disability insurance, life insurance, and health-related programs tailored to "fill the gaps." Our one-stop shopping experience ensures you receive straightforward, unbiased answers to maximize your federal employee benefits.

FedAdvantage serves all active federal government employees and federal contractors paid through the government, including those looking for reliable disability insurance for federal employees or alternatives to their standard government plans.

FedAdvantage provides a variety of insurance products designed to supplement and enhance the benefits available to federal employees and contractors. These products include: Disability Insurance: Short-Term Disability: The government does not offer federal short term disability. This plan provides financial support if you are unable to work for up to 2 years due to injury, illness, or maternity leave, covering 50% of your salary. Long-Term Disability: Protects your income during extended periods of disability. Federal employee long term disability covers 60% of your income up to age 60, bridging the gap if you are waiting on FERS disability retirement. Accident Insurance: Provides financial protection for accidental injuries, helping cover deductibles and unexpected medical costs if you have a high deductible health plan. Critical Illness Insurance: Offers a lump sum cash benefit upon diagnosis of a covered illness (like cancer or heart attack), helping offset expenses not covered by employee critical illness government plans. Hospital Indemnity Insurance: Helps manage out-of-pocket costs from hospital stays. A hospital indemnity plan protects your budget from the unexpected expenses left behind by FEHB. Liability Insurance: Federal professional liability insurance protects managers and employees against personal liability claims, administrative investigations, and civil lawsuits. Life Insurance: Provides financial security to loved ones. We help employees compare FEGLI vs private life insurance to lock in better rates for living expenses and debts. Long-Term Care Insurance: Helps cover nursing home or in-home care services, allowing you to weigh long term care vs long term disability to protect your assets as you age. Pet Insurance: Pet insurance for federal employees reimburses covered veterinary costs, helping manage unexpected expenses for your furry family members.

Beyond our insurance products, we provide expert guidance to help you navigate your federal benefits and plan for the future. Whether you are looking for federal pension advisors or just need to review a retirement planning checklist, we offer a full suite of services to support you: Virtual Health Fair: Gain convenient online access to our virtual health fair for interactive tools, wellness resources, and expert guidance on your federal employee benefits. Financial Library: Access a comprehensive library of resources to help you make informed decisions about everything from what is supplemental disability to how to maximize TSP contributions. Video Library: Stream expert insights on federal employee disability benefits, TSP management, and life insurance strategies directly to your device. Seminars and Webinars: Attend over 20 specialized sessions covering core federal benefits, FERS calculations, and the exact retirement planning checklist you need before leaving government service. Individual Consulting: Work one-on-one with our consultants and federal pension advisors to evaluate your specific situation, explore supplemental income protection, and build a secure retirement timeline. Podcast Episodes: Informative podcasts discussing various aspects of federal benefits, financial planning, and retirement strategies, offering insights and advice from expert.

To enroll, click the Enroll Now button at the top of our website. Enter your company code, then fill out the form to create your account. Once your account is created, click Start Your Enrollment to begin. Before starting your enrollment, you may need to update your profile: Go to Edit My Profile → Employment Tab → Edit Location Information Select your correct location If you need help at any point, FedAdvantage representatives are available to assist you. Call us at (888) 833-5594 for support.

To help you navigate your federal benefits and find unbiased comparisons for your supplemental insurance options, FedAdvantage offers several resources: Financial Library & Blogs: Explore our comprehensive library for articles answering common questions about federal employee benefits, from short-term disability to FEGLI alternatives. Multimedia Resources: Check out our educational videos and podcast episodes for deep dives into filling the gaps in your FERS retirement and health insurance plans. Direct Support: If you prefer one-on-one assistance to maximize your coverage, call our service center at 888-833-5594 or contact us.

You can request a personalized quote by clicking the Get a Quote button at the top of our website. Simply fill out the short form with your information, and a FedAdvantage representative will provide you with plan details and pricing options. If you’d prefer, you can also call us directly at (888) 833-5594 for assistance.

Online quotes are often available instantly after you submit your information. If you call us directly at (888) 833-5594, phone quotes may take a few minutes as the representative collects your details and processes your request.

Getting a quote from FedAdvantage is free of charge. You can request and compare quotes without any obligation to purchase.

If you run out of leave and do not have private short term disability insurance, you may be placed in "Leave Without Pay" (LWOP) status. In this scenario, your income stops. A supplemental short term disability policy ensures that you continue to receive a portion of your salary so you can cover your mortgage, utilities, and insurance premiums while off the clock

Federal managers and supervisors carry a much higher risk of exposure due to their responsibilities. They frequently face administrative complaints related to employee discipline, performance evaluations, wrongful termination, discrimination, and harassment allegations. Because their decisions directly impact other employees, supervisors are prime targets for investigations. Professional liability insurance includes Employment Practices Liability coverage, ensuring managers have their own appointed attorney to navigate these complex, career-threatening administrative processes