Eligibility, state availability, exclusions and policy terms apply. Critical illness and hospital indemnity are limited-benefit coverage, not major medical insurance or a Medicare supplement.
137 listed biweekly premiums shown.
Federal employee disability
Guaranteed-issue income protection for eligible federal employees other than postal. No medical exam required. Pre-existing conditions are covered after 12 months for eligible groups.
- 14-day accident and sickness waits
- 12-month base benefit period
- Monthly benefit choices from $600 to $5,000
- First-time enrollment: up to 65% of gross monthly income
| Federal employee disability: biweekly premiums | |
|---|---|
| Monthly benefit | Biweekly premium |
| $600 | $14.50 |
| $700 | $16.92 |
| $800 | $19.33 |
| $900 | $21.75 |
| $1,000 | $24.17 |
| $1,100 | $26.58 |
| $1,200 | $29.00 |
| $1,300 | $31.42 |
| $1,400 | $33.83 |
| $1,500 | $36.25 |
| $1,600 | $38.66 |
| $1,700 | $41.08 |
| $1,800 | $43.50 |
| $1,900 | $45.91 |
| $2,000 | $48.33 |
| $2,100 | $50.75 |
| $2,200 | $53.16 |
| $2,300 | $55.58 |
| $2,400 | $58.00 |
| $2,500 | $60.41 |
| $2,600 | $62.83 |
| $2,700 | $65.25 |
| $2,800 | $67.66 |
| $2,900 | $70.08 |
| $3,000 | $72.50 |
| $3,100 | $74.91 |
| $3,200 | $77.33 |
| $3,300 | $79.75 |
| $3,400 | $82.16 |
| $3,500 | $84.58 |
| $3,600 | $87.00 |
| $3,700 | $89.41 |
| $3,800 | $91.83 |
| $3,900 | $94.25 |
| $4,000 | $96.66 |
| $4,100 | $99.08 |
| $4,200 | $101.49 |
| $4,300 | $103.91 |
| $4,400 | $106.33 |
| $4,500 | $108.74 |
| $4,600 | $111.16 |
| $4,700 | $113.58 |
| $4,800 | $115.99 |
| $4,900 | $118.41 |
| $5,000 | $120.83 |
Insurer: The Manhattan Life Insurance Company. Read the brochure and policy for benefit definitions, limits and conditions.
Postal employee disability
Guaranteed-issue income protection for eligible postal employees. No medical exam required. No benefits are paid for a disability starting within the first 12 months of coverage from a pre-existing condition, as defined in the policy. Post Office employees working 27 or more hours per week are eligible. Income limits, state availability and policy terms apply. Mental-illness and substance-abuse exclusions apply; the policy describes a specific Alzheimer’s/senile-dementia exception. On-the-job accident coverage is included in the selected premium.
- 14-day accident and sickness waits
- 12-month benefit period
- Selected monthly benefits up to $6,000
- First-time enrollment: up to 60% of gross monthly income
Georgia-form reference. Availability varies by state and employer group.
| Postal employee disability: biweekly premiums | |
|---|---|
| Monthly benefit | Biweekly premium |
| $600 | $15.38 |
| $800 | $20.50 |
| $1,000 | $25.62 |
| $1,100 | $28.18 |
| $1,200 | $30.74 |
| $1,300 | $33.30 |
| $1,400 | $35.86 |
| $1,500 | $38.44 |
| $1,600 | $41.00 |
| $1,800 | $46.12 |
| $1,900 | $48.68 |
| $2,000 | $51.24 |
| $2,100 | $53.80 |
| $2,200 | $56.36 |
| $2,300 | $58.92 |
| $2,400 | $61.48 |
| $2,500 | $64.04 |
| $2,600 | $66.60 |
| $2,700 | $69.16 |
| $2,800 | $71.74 |
| $2,900 | $74.30 |
| $3,000 | $76.86 |
| $3,100 | $79.42 |
| $3,300 | $84.54 |
| $3,500 | $89.66 |
| $3,800 | $97.34 |
| $4,000 | $102.46 |
| $4,100 | $105.04 |
| $4,200 | $107.60 |
| $4,400 | $112.72 |
| $4,500 | $115.28 |
| $4,600 | $117.84 |
| $4,800 | $122.96 |
| $5,000 | $128.08 |
| $5,100 | $130.64 |
| $5,200 | $133.20 |
| $5,300 | $135.76 |
| $5,400 | $138.34 |
| $5,500 | $140.90 |
| $5,600 | $143.46 |
| $5,700 | $146.02 |
| $5,800 | $148.58 |
| $5,900 | $151.14 |
| $6,000 | $153.70 |
Insurer: American Heritage Life Insurance Company. Read the brochure and policy for benefit definitions, limits and conditions.
Critical illness
Four basic-benefit levels available through the employer’s plan, with premiums by issue age and coverage tier. This is limited-benefit supplemental coverage, not major medical insurance or a Medicare supplement.
- $10,000-$40,000 employee basic benefits
- Five printed issue-age bands
- Employee through family coverage tiers
Georgia-form reference. Availability varies by state and employer group.
Uni-tobacco premiums.
| Critical illness — $10,000 employee basic benefit: biweekly premiums | ||
|---|---|---|
| Issue age | Employee / employee and children | Employee and spouse / family |
| 18-29 | $2.82 | $4.58 |
| 30-39 | $4.44 | $7.00 |
| 40-49 | $8.26 | $12.74 |
| 50-59 | $15.76 | $23.98 |
| 60-80+ | $29.46 | $44.54 |
| Critical illness — $20,000 employee basic benefit: biweekly premiums | ||
|---|---|---|
| Issue age | Employee / employee and children | Employee and spouse / family |
| 18-29 | $4.94 | $7.74 |
| 30-39 | $8.20 | $12.62 |
| 40-49 | $15.82 | $24.08 |
| 50-59 | $30.82 | $46.56 |
| 60-80+ | $58.24 | $87.70 |
| Critical illness — $30,000 employee basic benefit: biweekly premiums | ||
|---|---|---|
| Issue age | Employee / employee and children | Employee and spouse / family |
| 18-29 | $7.06 | $10.94 |
| 30-39 | $11.94 | $18.26 |
| 40-49 | $23.38 | $35.42 |
| 50-59 | $45.86 | $69.14 |
| 60-80+ | $87.00 | $130.86 |
| Critical illness — $40,000 employee basic benefit: biweekly premiums | ||
|---|---|---|
| Issue age | Employee / employee and children | Employee and spouse / family |
| 18-29 | $9.18 | $14.12 |
| 30-39 | $15.72 | $23.90 |
| 40-49 | $30.94 | $46.76 |
| 50-59 | $60.92 | $91.72 |
| 60-80+ | $115.78 | $174.02 |
Insurer: American Heritage Life Insurance Company. Read the brochure and policy for benefit definitions, limits and conditions.
Hospital indemnity: low plan
Low Premium Plan, with its own rates and hospitalization benefits.
- $1,000 first-day confinement benefit, limited to one occurrence per year
- $100 daily hospital benefit, up to 10 days
- Four coverage tiers
Georgia-form reference. Availability varies by state and employer group.
| Hospital indemnity: low plan: biweekly premiums | |
|---|---|
| Coverage tier | Biweekly premium |
| Employee | $11.42 |
| Employee + spouse | $20.35 |
| Employee + child(ren) | $15.71 |
| Family | $24.35 |
Insurer: American Heritage Life Insurance Company. Read the brochure and policy for benefit definitions, limits and conditions.
Hospital indemnity: high plan
High Benefit Plan, with its own rates and hospitalization benefits.
- $1,000 first-day confinement benefit, limited to one occurrence per year
- $200 daily hospital benefit, up to 10 days
- Four coverage tiers
Georgia-form reference. Availability varies by state and employer group.
| Hospital indemnity: high plan: biweekly premiums | |
|---|---|
| Coverage tier | Biweekly premium |
| Employee | $20.70 |
| Employee + spouse | $39.20 |
| Employee + child(ren) | $28.70 |
| Family | $44.62 |
Insurer: American Heritage Life Insurance Company. Read the brochure and policy for benefit definitions, limits and conditions.
Premier Protection is an independent insurance agency and is not affiliated with or endorsed by the U.S. government.