Postal Employee Disability Coverage

Injuries happen, are you prepared?

Guaranteed Approval

No physicals, tests or medication checks.

Timely Payment of Benefits

Waiting periods as short as 14 days.

Full Coverage

We cover on AND off the job injuries.

About the Program

The Need for Disability Insurance

Working for the postal service is HARD ON THE BODY. You don’t have to look much to find people in our office or in the case next to you who have missed work due to injuries or illnesses.

Some employees have thousands of hours of sick-leave and they don’t to worry about disability insurance. If you don’t have at least 1000 hours of sick leave you run the risk of losing income in the event of your illness, injury or maybe taking care of a family member on FMLA.

You have insurance on your house and your car. Doesn’t it make sense to have insurance on your paycheck?

For Postal Employees Only

This program is only offered to postal employees. This is a group plan where everyone is accepted as long as you meet a couple very simple conditions pertaining to your work status. There is no increase in premiums for your age or sex or your physical condition. You pick the benefit amount and you pay a flat rate based on that monthly benefit.

The Company

Strength and stability are everything when it comes to insurance. The company behind our very unique program for postal employees has been in existence over 100 years and coverstens of thousands of postal employees in all 50 states.

Program Benefits

No physicals or examinations

Most disability programs require physicals, prescription checks, as well as checking your driving record. If an insurance company checks all these areas it reduces your chances of being approved.

Only a 14-day waiting period before benefits start

Most disability plans require a 60 or 90 day waiting period before you are eligible for benefits. If you think about it A LOT of injuries and sicknesses can cause you to miss less than 90 days of work. On their plan you wouldn't receive even one check. On our plan you would be eligible after 14 days.

Monthly Benefits

Postal employees can qualify for up to $2,000/month tax free benefit that is payable for up to one year per occurrence.

Covers both on and off the job injuries

This is huge because you never know where you might be injured. If you're injured on the job you may be eligible for WCC, but if you fall in your back yard they aren't going to pay anything. Your paycheck needs to be protected no matter where the injury occurs and that's why our program covers both.

Payroll deduction for premiums

Everybody knows it is easier to pay for something automatically. You can set up your disability premiums to come out of your paycheck. Every federal agency has a system where employees can set up allotments.

Your doctor makes the decision if you can work or not

This is probably one of the top two reasons Federal employees should utilize our program. Most disability plans require you to submit Dr's records to their IN HOUSE DOCTOR to determine if your claim will be paid. It doesn't take a rocket scientist to figure out that the insurance company's doctor would be much more strict than your own family doctor. This can mean the difference between getting paid or not getting paid.

Cost & Coverage

Click below to see how much this program costs to get coverage.

How Much Does it Cost?