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.

Types of Federal Disability Insurance

There are two types of Disability Insurance:

• 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.
• 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.
• Guarantee Issue Short-Term Disability provides immediate coverage, no underwriting required and no waiting period.

Federal Short-Term Disability

• 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 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

There are two types of Disability Insurance:

• Income Benefit Range: Your income replacement benefit can range from 40% to 70% of your pre-disability earnings. IHC Financial Group 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.

FedAdvantage- Short and Long Term Disability program available only to Federal Employees

• Guaranteed Acceptance
• Payroll Deduction
• Disability Benefits up to 66 2/3% of your pre-disability income
• Coverage amount remains consistent during the course of your disability
• Provides income for disabilities expected to last less than a year (short term)
• Comprehensive rehabilitation and return-to-work incentives (Family Care Incentive, Moving Expense Incentive, Work Incentive)
• Ability to qualify for coverage without tenure requirements

Click here for more information.
Click here for the FedAdvantage brochure.
Supplemental Disability Insurance Program for Federal Employees
Click here to obtain a no obligation quote.
Click here to enroll now (paper enrollment).
Click here to enroll online (electronic enrollment).