Frequently Asked Questions

Disability Insurance Questions

Who is eligible to enroll?

All active federal employees and federal contractors* working at least 20 hours per week are eligible, except for postal workers. Postal workers (USPS employees) are eligible for Short Term Disability only.

*In order to be eligible for enrollment, federal contractors must receive compensation directly from their contracting agency.

Is maternity time included?

Yes. After the chosen waiting period, benefits will be coordinated with leave and sick leave. Past that, benefits will be paid up to 6 weeks for a normal pregnancy (minus the waiting period) and up to 8 weeks (minus the waiting period) for a Cesarean Section pregnancy. Complications of pregnancy could continue benefits depending on the situation. You must have the coverage in-force BEFORE a pregnancy.

How does it work?

Our program is designed to fill in the gaps with your federal programs; it does not replace any of your current benefits.

Short Term and Long Term Disability (LTD):

  • Bridges your income from the time that your leave stops or runs out until you are ready to return to work. All benefits coordinate with leave and sick leave to total no more than 60% of your gross income. This is usually pretty close to your take-home pay after taxes.
  • Supplements your income from disability retirement and increases your take home pay. In any case, you will not receive more than 60% of your gross income between Disability Retirement and policy benefits.

Please see the plan’s sample policy for more details.

How long are benefits paid?

Benefits under our program will be paid out for as long as you are disabled under the program, or until you reach the following maximum benefit periods:

Short Term Disability (STD): Up to one year after waiting period

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:

Short Term (STD) and Long Term Disability (LTD): depends on your plan

  • Choice of 14 or 30 days

Do I pay my insurance policy or is it automatically withdrawn (allotment)?

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

How do I enroll?

You need to complete an enrollment form on this website and set up the payment through allotment (instructions are also on this website). Or, feel free to contact (833) 225-8815 and do the enrollment over the phone. It takes about 15 minutes total, and would be approximately another 5 minutes to set up your payroll deduction. Feel free to set up a time here. There are also paper enrollment forms that can emailed to dquiett@tmprofessionals.com or mailed to the following address:

Federal Employee Insurance Benefits

℅  T.M. Professionals

1109 W. San Bernardino Rd. Suite 250

Covina, CA, 91722

Do I have to take a physical exam?

No, a physical exam or evidence of health is not required. Anyone with a new hire date within 13 months of effective date will be given a guaranteed issue of up to $4000. Any employees with a hire date of 13 months or longer will have to answer a medical question.

The questions is:

“Within the past 12 months has any person to be covered age 18 or older been absent from work due to illness or medical treatment for a period of more than 5 consecutive working days (other than absences for childbirth with no complications, broken/fractured bones with full recovery, or the flu)?”

Is there a Pre-existing Condition Provision?

While no medical questionnaire is required to enroll in the disability insurance program, please be aware that a Pre-existing Condition Provision applies if you become disabled within 12 months of becoming insured.

A Pre-existing Condition is a mental or physical condition whether or not diagnosed or misdiagnosed for which you have:

  • Consulted a physician or other licensed medical professional;
  • Received medical treatment, services, or advice;
  • Undergone diagnostic procedures, including self-administered procedures; or
  • Taken prescribed drugs or medications

Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.

What other exclusions or limitations exist?

Exclusions include war, insurrection or rebellion, self-inflicted injury, attempted suicide, or commission or attempt to commit a felony. Limitations on benefits apply to mental illness, anxiety, and alcohol, drug, or substance abuse and are limited to 12 months. For a more complete description of the exclusions and limitations, please consult the group certificate.

Can I change or cancel the plan?

Yes. Each year during our open enrollment season you can make changes to or cancel your plan at any time.

How does my leave and disability impact finances?

There are at least five reasons you are financially exposed:

  • Since leave and disability retirement are separate programs with different eligibility requirements and do not coordinate, you could find yourself in extended periods of LWOP with no income coming in.
  • Leave donations are just that – donations which are not guaranteed for a specific period of time and are not tied to your monthly bills.
  • Now that you can convert your unused leave to increase your retirement income, like most federal employees, you should become more reluctant to make donations.
  • Disability retirement provides a base pension benefit that offers a twoyear step rated down income stream that levels off at 40% of your high-3 average salary. This pension benefit is not only taxable, it doesn’t come with COLA. As an actively working employee you may find it difficult to live on this benefit amount.

The combination of LWOP with the reduced income received from disability retirement may force you to withdraw funds from your TSP, or other savings and investments, before you are ready. The premature liquidation of your TSP or other savings and investments will have a negative impact on your future income security.

How do I pay for the plan?

Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees would pay monthly. All premiums are after-tax. Instructions are on this website after filling in your quote information.

Will my premiums increase with age?

The coverage is guaranteed renewable. As a matter of fact, with future pay increases and new updated coverage information, you will pay for the amount based on the rate when you originally took out your coverage. For example, a 30 year old policyholder taking out more coverage as a 40 year old will pay the 30 year old rate.

What are my federal leave and disability benefits?

  • Under FERS, you are considered disabled if you are unable to perform “useful and efficient service” in your position because of illness or injury. To qualify for disability retirement benefits, you must have at least 18 months of creditable service and your disabling condition must be expected to last at least 1 year.
  • If approved for FERS disability retirement, your two part pension formula is:
First 12 months60% of High-3100% of Social Security Benefit=Disability Retirement Benefit
Starting the 13th month40% of High-360% of Social Security Benefit=Disability Retirement Benefit

What’s wrong with my leave and disability benefit?

  1.  Your Paid Leave isn’t enough – Your employer restricts your ability to adequately bank enough leave to support you during times of a prolonged disability. Once exhausted, you are in a Leave without Pay (LWOP) status.
  2.  You will have to live on a fixed pension – Disability retirement provides a base pension income of approximately 40% of your high-3 salary to those who qualify. As an actively working employee, you may find it difficult to live off of this pension benefit.
  3. Your employer doesn’t offer any assistance in helping you get back to work – Without any services to retrain disabled employees, you are trapped, living indefinitely on a fixed income that is below your current income standards and unable to improve your situation.

Life Insurance Questions

Why Life Insurance?

As benefit advisors, the most common life insurance question we are asked is, “why do I need life insurance?” The answer to this is simple: you don’t – you’ll be dead. Life insurance is about creating financial protection for your family. It is purchased so that your family is not left with debts they are unprepared for. Mortgage payments, car payments, and daily expenses can add up fast and are always changing, so making sure you have proper financial protection in place is critical to both financial and estate planning.

How much life insurance do I need?

Everyone is different, just as their life insurance needs are. We all carry different levels of debt and assets, and this comes into play when deciding how much life insurance we need to purchase. Whether you’re checking up on your current life policy or looking to purchase a new policy, our needs analysis is a great resource at your disposal.

Is FEGLI Option "B” right for me?

Most federal employees can greatly improve their Federal Employees Group Life Insurance (FEGLI) Option “B” coverage, when compared to policies that are available in the private sector. Sometimes, with severe health impairments, Option B still might be the answer. However, if you want additional life coverage, we can get another $100,000 of coverage for those up to 49 years of age, or another $50,000 for ages 50 or older with NO health questions! Through our life program we can help you compare your current FEGLI Option “B” with the highest rated, most competitive insurance carriers in the industry today. In many cases, a federal employee aged 45 or over with 5 times their income can easily save over $50,000 over their career. The higher your income, the higher the savings.

Watch my video here for more information.

How can private insurance save on premium?

Guaranteed Rates. Many private insurance companies underwrite policies based on your current health status, and more often than not, will offer you guaranteed rates for the life of your policy. Even though your employer contributes to the cost of your basic FEGLI, you are stuck paying 100% of the cost of your optional coverage. Additionally, the premium of the multipliers increase every 5 years. FEGLI Options A and C work very much the same way. For many employees, the continued increases cause the insurance to become unaffordable later in their careers. I find many federal employees drop their coverage at age 60 from maybe 5 x’s their income to 2 or 3 x’s their income because they don’t know what else to do.

Click on this video to see how you can save.

What if I have a health impairment?

Don’t let a medical condition keep you from obtaining life insurance. Every carrier views each health situation differently, and our Impaired Risk Life Insurance Program is designed to find the carrier that wants to work with you.

Can I talk to a professional?

Of course. You can call (833) 225-8815 to speak to a licensed professional, hassle-free, or feel free to set a time on our calendar here. We provide answers to your questions regarding life insurance, so that you can make the best decisions for you and your family. Term, Whole Life, Universal Life, FEGLI; with so many life insurance options, it can be hard to determine what is right for you, not to mention how much insurance to purchase. Every single person has a different situation, and our consultations are designed to find the program that best suits you and your needs.

Life Insurance Without Needles

Hate needles or don’t want to be bothered with medical exams? Then a term or permanent life insurance policy without the medical exam is a great option for you. There is a slight difference in rates, though you aren’t required to have an exam — everything else stays the same.

This option is ideal for those who want the coverage of a term life or permanent insurance policy, but not the hassle of scheduled medical exams.