Your life can change
in a second.
Be ready!

Disability Insurance Protects Your Most Important Asset:
Your Income.

Disability Insurance replaces a portion of your income if illness or injury keeps you from working. As a Federal Employee, you do not have access to disability insurance through your employer. Your employer offers two types of protection; leave and disability retirement. While at first glance these programs may appear to provide adequate disability protection – they don’t. Let us set you up with the right amount for your lifestyle.

1 IN 4 PEOPLE

Will Become Disabled During
Their Working Career*

Enroll Now

How it Works

FedAdvantage Disability Insurance helps federal employees protect their financial stability during tough times when illness or injury keeps you from work.

Coverage you need.

Your life can change in a second. We help you think about the what if’s, so if trouble strikes, you are prepared. Protect your income.

Ease financial stress.

Income replacement to protect you for both the short and long-term duration that can come with a disabling condition.

Focus on recovery.

Replacing your income is just one part. Disability Insurance also provides vocational and rehabilitative services to help you get back on your feet.

Disability Insurance is not available to residents of Washington State.

Benefit Description: Combo Plans

Basic, Premier, Premier Plus

Waiting Period

All Plans: 30 Days

Benefit Amount

All Plans: 60% of Salary

Benefit Duration

All Plans: To Age 60

Maximum Monthly Benefit

All Plans: $15,000

Own Occupation

All Plans: 2 Years

Assisted Living Benefit

Basic Plan: None

Premier Plan: 20%

Premier Plus Plan: 40%

Lifetime Security Benefit

Basic Plan: None

Premier Plan: Yes

Premier Plus Plan: Yes

24-Hour Coverage

All Plans: Yes

Rehabilitative Benefit

All Plans: 10%

Back to Work Incentive

All Plans: 10%

Work Place Possibilities

All Plans: Yes

Benefit Description: Stand Alone Plans

Short Term, Long Term

Waiting Period

Short Term: 30 Days

Long Term: 180 Days

Benefit Amount

Short Term: 50% of Salary

Long Term: 60% of Salary

Benefit Duration

Short Term: 2 Years

Long Term: To Age 60

Maximum Monthly Benefit

Short Term: $6,000

Long Term: $15,000

Own Occupation

Both Plans: 2 Years

Assisted Living Benefit

Short Term: None

Long Term: 20%

Lifetime Security Benefit

Short Term: No

Long Term: Yes

24-Hour Coverage

Both Plans: Yes

Rehabilitative Benefit

Both Plans: 10%

Back to Work Incentive

Both Plans: 10%

Work Place Possibilities

Both Plans: Yes

Bought before I became pregnant and they paid the appropriate portion of my maternity leave, on time. Simple. Wish more feds knew about this plan.

- Rebecca C.

I've had them for years and three claims. They always paid my claims. They were there when I needed them most.

- Derek D.

GET A QUOTE

Disability Insurance is not available to residents of Washington State.

Protect Your Income.

Replacing up to 60% of your income tax-free provides money to meet your current financial obligations.

Protect Your Pension.

Integrating with your reduced fixed FERS pension could help shield your TSP from premature withdrawals.

Protect Your Future.

Our Proactive return-to-work programs can help you get back on your feet and back to work.

ENROLL NOW

Peace of mind doesn’t always have to be expensive.

The FedAdvantage Disability Insurance is not intended to replace your existing benefits, but rather “fill the gaps” in your coverage. Our program can help you protect your income, your pension and your future.