Disability Insurance Quotes for Federal Government Employees

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Disability Insurance for Federal Government Employees

Your most valuable asset isn’t your house, car, or retirement account. It’s the ability to make a living.

If you get sick or injured and are unable to work, you don’t want to worry about paying for groceries or covering next month’s mortgage.

Disability income insurance can help replace a major portion of your income. Some think of it as “paycheck protection.” Others view it as “mortgage protection.”

Whatever your mindset, disability income insurance can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

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But, doesn’t my employer offer this?

Most employers offer some kind of disability insurance, but not all disability insurance is the same.

It may cover you for short-term sick leave, but leave you stranded if you become impaired for months, or even years.

It may cover you for longer, but only make up for a small portion of your regular income, forcing you to go back to work while you shouldn’t – or rely on your savings.

Do I need disability insurance?

Would you be able to comfortably continue living as you do now if your paycheck vanished for weeks, months, or even years at a time?

Most Americans would collect serious debt during that time, perhaps too much to ever recover.

While most employers offer some sort of disability insurance, it may only cover you for a short period of time, or cover a small portion of your regular income.

We always advise to first learn about your current disability coverage, to make sure you feel comfortable with what it has to offer.

1 in 8 workers will become disabled for 5 years or longer.
We’re Here To Help Federal Employees

At Federal Employee Insurance Benefits, we focus entirely on providing coverage for federal employees.

We are familiar with federal occupations, and the benefits they may or may not include.

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WE’RE PROUD TO BE
Recommended by Federal Employee Unions and Offices

We are recommended by multiple unions, fighting for the rights and better futures of a combined total of more than 1,000,000 federal employees.

National Federation of Federal Employees - Federal Employee Insurance Benefits
National Nurses United
AFGE - Federal Employee Insurance Benefits

Frequently Asked 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:

Long Term disability (LTD): Up to your Normal Social Security Retirement Age  – Please see the plans sample policy for more details

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 consecutive working days (other than absences for childbirth with no complications, broken/fractured bones with full recovery, or the flu)?”