Guaranteed to Issue Short Term Disability

In the work force, almost one third of Americans will miss work because of a sickness or accident before they retire. That is 2 out of 6 coworkers. As federal employees you only accrue 13 days of sick leave a year. Have you ever been asked to donate your leave to a fellow coworker? Have you ever personally run out of sick leave? Think about how you would handle day-to-day living expenses if forced to missed weeks or months of work because of a sickness or accident. We offer a solution! Our short term disability plan offers a tax free monthly benefit that will pay you for a covered sickness or accident, in addition to your sick and annual leave.

Plan Features

  • Guarantee issue on select amount (no physical or health questions)
  • Accidents covered on and off the job, covers 50% if Workers Comp. or similar laws
  • Benefit will pay along with your sick or annual leave
  • 1 year, 6-months, & 3-month benefit period options
  • Benefit starts after a waiting period. Choose between a 14 day, 30 day, 60 day, or 90 day waiting period
  • Pre-existing conditions are covered after 12 months from effective date
  • Maternity leave is covered. *childbirth must be 10 months after the policy effective date.

*See company brochure for complete details. Plan not available in all states.