Serving Federal, Postal and DC Employees for Over 40 Years
Guaranteed-Issue Coverage for Federal, Postal and DC Government Employees
Start filling in the gaps in your existing federal benefits by signing up for coverage designed exclusively for government employees.
- Guaranteed approval - no medical exam or health questions
- Disability benefits available up to $5,000 per month for a covered accident or illness*
- No qualifying federal, postal or DC government employee can be turned down
GUARANTEED ISSUE FOR
ACTIVELY WORKING GOVERNMENT EMPLOYEES
“Teri did an outstanding job with my short term disability claim last year. My family went through some very hard times last year after my injury & it was so nice knowing I was still going to have income for the 8 weeks I was off. Teri is a true asset to my family & I look forward to working with her long into the future.”
“Paula helped us to pick not only the right sources of coverage, but also the right types of insurance that address the most urgent risks we currently face. Her expertise identified a risk that we didn’t know about, and now we can figure out how to mitigate that risk before it becomes a reality.”
"Lindsay was easy to work with. She was very knowledgeable about the benefits and how they compared to my current coverage. She was not pushy at all which made the experience that much better. I will be referring her to my friends in the future."
“After my husband’s passing, I faced the daunting task of managing both of our retirement TSPs. Tyson stepped up with incredible dedication, guiding me through every step of the investment process with clarity and patience. His knowledge and support made a potentially overwhelming experience manageable, and I felt confident in the decisions we made together. Thanks to Tyson, I now have a solid plan for my retirement, and I feel empowered moving forward. More than just a retirement sales officer, Tyson has become a true friend. I can’t thank him enough for his unwavering support and guidance.”
Insurance Coverage FAQs
Can I be turned down for coverage?
If you are a full-time federal employee, under age 70, and for the past 30 days have been performing normal activities and have been actively at work full time, at your regular occupation, you cannot be turned down for this coverage.
Is the disability policy guaranteed issue?
This policy is guaranteed issue up to $4,000 if you are a postal employee or $5,000 if you are a federal employee (or 65% of your salary, whichever is lower). There is no need to answer any health questions. However, if you wish to request higher amounts, you will need to provide answers to health questions. It is important to note that you cannot apply for an amount exceeding 65% of your salary.
Does the disability policy cover routine maternity (childbirth)?
Yes, routine childbirth is covered — but the inception of the pregnancy must occur after the policy effective date.
Does short-term disability cover me if I'm hurt on the job?
If you are hurt on the job, and covered by workers compensation, the plan will pay you 50% of your monthly benefit.
I have some pre-existing health conditions. Will I be covered if I become disabled due to my pre-existing condition?
Pre-existing conditions for short-term disability policies will be covered after you have been in the program for one year.
Does the short-term disability policy cover both accident and sickness?
Yes, disabilities due to both sickness and accident are covered. Sickness, Surgery and Pregnancy/Maternity are covered conditions.
I have disability coverage with another company. Can I sign up for your plan as well?
Yes, but your total monthly benefit with both companies cannot exceed 65% of your pay.
What is the difference between FEGLI and other life insurance options?
FEGLI is the life insurance plan that is offered to government employees. The premiums for this coverage increase as you get older. Our alternative products can offer a fixed premium for the lifetime of the policy, which could save you a significant amount of money.
Is life insurance tax-free?
The policy death benefit is tax free if paid to an individual. If paid to an estate, then the death benefit must go through probate.
What is the difference between term and whole life?
Term Life coverage is for a specified period of time, which could be 10, 15, 20 or even 30 years. This option has the most affordable rates.
Whole Life coverage is permanent coverage for your lifetime that builds cash value over the years.
Do I have to receive treatment to collect the cancer policy benefit?
Yes — benefits are paid upon diagnosis and treatment of cancer.
*Guaranteed approval benefit amount available up to $5,000 for federal employees and $4,000 for postal employees.
Plans not available in all states. Benefits may vary by insurance carrier.
Federal Employees Benefit Association
Address: 8 Marticville Road, Lancaster, PA 17603
Toll Free Phone: (877)-812-6837
Email: info@febabenefits.org
FEBA is not a government entity and is not affiliated with the federal government, and its products, services and solicitations are not approved, endorsed, or authorized by the federal government. FEBA is an independent non-profit association serving federal employees.