Understand the benefits.
See the rates.

The Manhattan Life federal schedule is for eligible federal employees other than postal employees.

Eligibility, group participation, state availability, exclusions and policy terms apply.

The monthly benefit choices range from $600 to $5,000.

For first-time enrollment, your selected benefit can cover up to 65% of gross monthly income. Income limits and eligibility requirements apply.

No medical exam is required for the guaranteed-issue benefit choices. Pre-existing conditions are covered after 12 months for eligible groups.

Applicable application information and eligibility requirements still apply.

This schedule has 14-day accident and 14-day sickness waiting periods.

For this 14-day sickness period, the brochure states that benefits begin on the first day admitted if you are hospitalized as a resident bed patient for a Covered Sickness. The elimination period does not apply to Presumptive Disability. The policy defines these terms and conditions.

The selected schedule uses a 12-month base benefit period.

Read the brochure and policy for the full benefit-period provisions. The policy determines benefits payable.

The monthly benefit is the disability coverage amount you select. The biweekly premium is the price listed for that benefit choice.

Compare the benefit amount with its matching biweekly premium on the federal rate sheet.

For a basic disability inquiry, share your name and either an email address or phone number to Premier Protection. Your date of birth is not needed at that stage. Application requirements are separate.

Reviewing this FAQ or the rate sheet does not submit an application. Discuss the coverage and next steps with Premier Protection before choosing a benefit.

The Allstate postal schedule is for eligible postal employees.

Eligibility, group participation, state availability, exclusions and policy terms apply.

The table shows selected monthly benefit choices from $600 up to $6,000.

For first-time enrollment, your selected benefit can cover up to 60% of gross monthly income. Income limits and eligibility requirements apply.

No medical exam is required for the guaranteed-issue benefit choices. 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.

Applicable application information and eligibility requirements still apply.

The selected schedule lists 14-day accident and 14-day sickness waiting periods and a 12-month benefit period.

Read the brochure and policy for how benefits apply, including disability definitions, waiting-period provisions, exclusions and benefit limits. The policy determines benefits payable.

Mental-illness exclusions apply; Alzheimer’s or similar senile dementia is covered only if first manifesting after coverage takes effect. Occupational sickness or injury is excluded by the base policy unless covered by an on-the-job disability rider. The selected coverage includes the on-the-job accident rider in its price; it pays 50% of the monthly benefit when workers’ compensation or another state disability benefit is received.

The monthly benefit is the disability coverage amount you select. The biweekly premium is the price listed for that benefit choice.

Compare the benefit amount with its matching biweekly premium on the postal rate sheet.

Review the applicable premium schedule with your agent.

This describes the pricing. Eligibility ages and coverage termination rules are separate; review the brochure and policy for those requirements.

For a basic disability inquiry, share your name and either an email address or phone number to Premier Protection. Your date of birth is not needed at that stage. Application requirements are separate.

Reviewing this FAQ or the rate sheet does not submit an application. Discuss the coverage and next steps with Premier Protection before choosing a benefit.

The rate sheet lists four employee basic-benefit amounts: $10,000, $20,000, $30,000 or $40,000.

Available benefit amounts depend on the applicable group plan. Review the brochure for each covered person's benefit amounts and terms.

Covered dependents receive 50% of the employee initial, cancer and reoccurrence benefit amounts.

The rate sheet includes employee, employee with children, employee with spouse and family coverage tiers.

Match the employee basic-benefit amount with the applicable coverage tier. Review the brochure for each covered person's benefit amounts and terms.

Premiums vary by issue age and coverage tier. Match the employee basic-benefit amount, issue-age band and coverage tier before reading the premium.

The premiums are biweekly. Compare the brochure and matching rate sheet together.

The insuring company shown for this coverage is American Heritage Life Insurance Company.

Premier Protection is an independent insurance agency.

Read the brochure and policy for covered-condition definitions, benefit details, exclusions and eligibility requirements.

Available benefit amounts and policy terms depend on the applicable group plan. State availability and policy conditions still apply.

A diagnosis occurring before coverage begins is not payable. A diagnosis of a covered critical illness or specified disease after the effective date may be payable, subject to the policy definitions, limitations and exclusions.

Premier Protection recommends the Whitten & Associates claims center for this coverage.

You may also contact the insuring company directly.

Review the benefit brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.

Reading this FAQ or the rate sheet does not submit an application.

The materials include the Low Premium Plan and the High Benefit Plan.

Each has its own brochure and biweekly rate sheet. Match the plan name before comparing benefits and premiums.

Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms.

The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid.

The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.

The Low Premium Plan lists a $100 daily hospital benefit, up to 10 days. The High Benefit Plan lists a $200 daily hospital benefit, up to 10 days, for covered hospital confinement under the policy terms.

The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid.

Match the plan and coverage tier before reading the premium. The premiums are biweekly.

Review each plan's brochure with its matching rate sheet so the premium and benefits belong to the same plan.

The rate sheets list four coverage tiers: employee, employee with spouse, employee with children and family.

Read the brochure and policy for eligible-dependent definitions, benefit limits and coverage conditions.

Hospital indemnity is limited-benefit supplemental coverage. It is not major medical insurance or a Medicare supplement.

Eligibility, covered-confinement definitions, exclusions, benefit limits and policy terms apply.

Review the plan brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.

Reading this FAQ or a rate sheet does not submit an application.