PREMIERFor non-postal federal employees
Federal disability
Your coverage conversation checklist
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Guaranteed issue with no medical exam for eligible applicants. First-time enrollment is up to 65% of gross monthly income, capped at $5,000. Eligibility, state availability, income limits and policy terms apply. Pre-existing conditions are covered after 12 months for eligible groups.
Start with your existing protection
Review your employer benefits, sick leave and any disability coverage you already have. Ask how other coverage affects the benefit you may select.
Choose an affordable monthly benefit
Review the quoted biweekly premium and the first-time income limit together. A displayed benefit amount does not establish eligibility.
Plan for the waiting period
Ask when accident and sickness benefits can begin, how the 14/14-day periods are measured and what exceptions apply.
Understand the benefit period
Review the 12-month base period and ask how any Building Benefit Rider changes the maximum period over time.
Read the coverage conditions
Discuss the disability definition, exclusions, limitations and pre-existing-condition provisions in the policy.
Prepare for a claim
Ask which documents are required, how to contact the insurance company's claims department and how the claim process works.
Insurance company: The Manhattan Life Insurance Company