Disability Coverage
The Federal government does not offer you Disability insurance coverage; however, American Benefits Exchange does. You can supplement your government insurance benefits by purchasing our Disability Insurance.
Why purchase Disability Insurance for Federal Employees?
Disability insurance provides you an income if you suffer a disabling illness or injury. This income replacement will help you meet your daily financial needs and obligations while you are recovering.
Federal Short-Term Disbaility
Federal Long-Term Disability
Federal Short-Term Disbaility
Federal Short-Term Disability
Short-Term Disability provides coverage for the less serious disabling injuries and illnesses. Waiting periods are usually shorter and coverage typically provides benefits for three, six or twelve months. Guarantee Issue Short-Term Disability provides immediate coverage, no underwriting required and no waiting period.
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- Income Benefit Range: Your income replacement can range up to 60% of your pre-disability earnings. We can help you integrate your Disability coverage with your Federal sick-leave program.
- Waiting (Elimination) Periods: Your coverage can begin the first day of a disabling injury or illness, or, for a more economical plan, coverage can begin later.
- Benefit Durations: Benefit coverage can range from four weeks to two years.
- Types of Disability: Coverage is provided for Total, Partial or Residual Disability.
- Total Injury is an injury that has rendered you completely unable to perform any job functions on a temporary basis. You are expected to make a full recovery and return to work.
- Partial and Residual Injuries are injuries where you are temporarily precluded from performing a certain set of job skills but can still work at a reduced level.
- Maternity Coverage: Maternity coverage is available and can be used to supplement your Federal Health Insurance.
Federal Long-Term Disability
Federal Long-Term Disability
Long-Term Disability provides coverage for the more serious disabling injuries and illnesses. Waiting periods are usually longer and coverage can range from a few years, up to age 65 or even over a lifetime.
- Income Benefit Range: Your income replacement can range up to 60% of your pre-disability earnings. American Benefits Exchange offers a wide range of replacement options to help you meet your benefit budget.
- Waiting (Elimination) Periods: Your coverage can begin as early as 14 days or not until one year following the disability incident. We can help you integrate your Long-term Disability coverage with your Federal sick-leave program and your Short-Term Disability coverage.
- Benefit Durations: Benefit coverage usually lasts a lifetime; however, more economical plans are available. Benefit coverage for disabilities due to drug/alcohol, mental/nervous, and/or self-reported conditions can be limited to reduce the cost of your plan.
- Types of Disability: Partial or Residual Disability coverage allows you to return to work and still receive a benefit.
- Optional Work Provision Plans: We offer a number of optional work provision plans: Work Incentive Benefit, Cost of Living Adjustment, Specific Loss Benefit, Reasonable Accommodation Benefit, Survivor Benefit and others.
American Benefits Exchange, LLC is not connected with or endorsed by the local, state, or federal government.
