Eligibility, exclusions and original policy terms apply.
Coverage overview
Income protection with included rider benefits
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
Eligibility, exclusions and original policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: The Manhattan Life Insurance Company
Coverage details
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
Eligibility, exclusions and original policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: The Manhattan Life Insurance Company
Included with the policy price
Included premium relief during a covered disability
Waiver of Premium is included at no additional charge after 90 consecutive days of total or presumptive disability benefits.
Applies while benefits remain payable. Not available with the 90-day benefit-period option; source and certificate conditions apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: The Manhattan Life Insurance Company
Included with the policy price
Building Benefit Rider included in the quoted price
The Manhattan Life quoted price includes the Building Benefit Rider.
Original rider benefit limits, eligibility and election requirements apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: The Manhattan Life Insurance Company
Coverage questions
Who is this coverage for?
The Manhattan Life federal schedule is for eligible federal employees other than postal employees.
Eligibility, group participation, state availability, exclusions and policy terms apply.
How much coverage can I select?
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.
Is a medical exam required?
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.
What are the waiting periods?
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.
What is the base benefit period?
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.
Is the monthly benefit what I pay?
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.
What do I need to request information?
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.
Eligibility, group participation, income limits, state availability, exclusions and policy terms apply. The rate sheet is an overview; the policy determines benefits payable.
Insuring company: The Manhattan Life Insurance Company. Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.