Individual Disability Benefits
Designed for Federal and Postal Service employees
Federal and Postal Service employees ($600 – $3,000)
Disability Income (Accident)
Pays a monthly benefit for total disability or presumptive disability if you are unable to work due to a covered injury. Monthly benefits begin after an elimination period of 14 or 30 days. Monthly benefits continue while your total disability lasts or until the end of one year.
Disability Income (Sickness)
Pays a monthly benefit for total disability or presumptive disability if you are unable to work due to a covered sickness. Monthly benefits will begin after an elimination period of 14 or 30 days. For the 14 day elimination period only, if you are hospitalized as a resident bed patient for a covered sickness, benefits will begin on the first day admitted. Monthly benefits continue while your total disability lasts or until the end of one year.
Waiver of Premium – All premiums that are due after you have perceived total or presumptive disability benefits for 90 consecutive days will be waived as long as benefits are payable, at no additional charge.
- Pays in addition to any other insurance, 50% if Worker’s Compensation or similar laws pay.
- Disability benefit due to childbirth available if the inception of the pregnancy occurs after the certificate effective date and coverage is in full force.
- Policy may be continued if employee changes jobs.
- Guaranteed renewable to age 70.
- One rate regardless of age or sex.
- Pre-existing conditions are covered after 12 months.