Disability Coverage
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.
FedAdvantage
Short and Long Term Disability program available only to Federal Employees
Click here for more information.
Types of Individual Disability Insurance
- Income Benefit Range: Your income replacement benefit can range from 40% to 70% of your pre-disability earnings. We can help you integrate your Disability coverage with your company’s 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 Individual Health Insurance.
Short-Term Disability Coverage Options
- Income Benefit Range: Your income replacement benefit can range from 40% to 70% of your pre-disability earnings. We can help you integrate your Disability coverage with your company’s 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.
- Special provisions for law enforcement officers, firefighters, air traffic controllers, or military reserve technicians
- Benefit Durations: Benefit coverage can range from four weeks to two years.
- Types of Disability: Coverage is provided for Total, Partial or Residual disability.
Long-Term Disability Coverage Options
- Income Benefit Range: Your income replacement benefit can range from 40% to 70% 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 company’s 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.
