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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.
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 all your Total Disability lasts or until the end of one year.
Your policy becomes effective on the date when the premium is first deducted from your paycheck via payroll deduction.
YES and NO – Your pre-existing conditions will be covered after you have been in the program for one year.
Your policy becomes effective on the date when the premium is first deducted from your paycheck via payroll deduction.
YES – routine maternity is covered (the inception of the pregnancy must occur after the policy effective date). It will pay 6 weeks for a vaginal delivery and 8 weeks for C-Section.
You can sign up for the lesser of $3,000† per month or 60% of your base salary.
As a federal employee, you are guaranteed to be approved for $3,000 † per month (or 60% of your pay, if less). There are no health questions for amounts less than $3,000 †. You can apply for greater amounts (up to $5,000 per month), but you are not guaranteed to be approved. Health questions must be answered. In no event can you apply for more than 60% of your salary.
YES – If you are hurt on the job, and covered by workers compensation, the plan will pay you 50% of your monthly benefit.
14 or 30 days – This is referred to as the elimination period. You can choose to have benefits begin after either a 14 day or a 30 day elimination period.
YES – Disabilities due to both sickness and accidents are covered.
YES – This policy is guaranteed renewable. Although you must be a federal employee to sign up, you can keep the coverage for as long as you like, up to age 70, even if you leave the federal government. The premiums would not change.
NO – If you are a full time federal employee, under age 70, and for the past 30 days have been performing normal activities and have been actively at work full time, at your regular occupation, you cannot be turned down for this coverage.
NO – Mental and emotional conditions are not covered.
YES – Your spouse can apply for coverage, but is not guaranteed to be accepted. Medical questions must be answered.
YES – However; your total monthly benefit with both companies cannot exceed 60% of your pay.
** Elimination period does not apply to Presumptive Disability.
† A maximum benefit of $3,000 in certain states.