• • Income Benefit Range: Your income replacement benefit can range from 40% to 70% of your pre-disability earnings. We can help you integrate your Disability coverage with your Federal sick-leave program.
  • Waiting (Elimination) Periods: Your coverage can begin the first day of a disabling injury or illness, or, for a more economical plan, coverage can begin later.
  • Benefit Durations: Benefit coverage can range from four weeks to two years.
  • Types of Disability: Coverage is provided for Total, Partial or Residual Disability.
    • Total Injury is an injury that has rendered you completely unable to perform any job functions on a temporary basis. You are expected to make a full recovery and return to work.
    • Partial and Residual Injuries are injuries where you are temporarily precluded from performing a certain set of job skills but can still work at a reduced level.
  • Maternity Coverage: Maternity coverage is available and can be used to supplement your Federal Health Insurance.

Federal Long-Term Disability

Long-Term Disability provides coverage for the more serious disabling injuries and illnesses. Waiting periods are usually longer and coverage can range from a few years, up to age 65 or even over a lifetime.

• Income Benefit Range: Your income replacement benefit can range from 40% to 70% of your pre-disability earnings. American Benefits Exchange offers a wide range of replacement options to help you meet your benefit budget.
• Waiting (Elimination) Periods: Your coverage can begin as early as 14 days or not until one year following the disability incident. We can help you integrate your Long-term Disability coverage with your Federal sick-leave program and your Short-Term Disability coverage.
• Benefit Durations: Benefit coverage usually lasts a lifetime; however, more economical plans are available. Benefit coverage for disabilities due to drug/alcohol, mental/nervous, and/or self-reported conditions can be limited to reduce the cost of your plan.
• Types of Disability: Partial or Residual Disability coverage allows you to return to work and still receive a benefit.
• Optional Work Provision Plans: We offer a number of optional work provision plans: Work Incentive Benefit, Cost of Living Adjustment, Specific Loss Benefit, Reasonable Accommodation Benefit, Survivor Benefit and others.