Protect Your Family with a Fire Extinguisher

Posted on: 16 February 2021

If you have a federal position, you're entitled to disability insurance. It's extremely important if you ever get disabled short-term or long-term. If you're dealing with a situation that calls for this insurance program, then you want to approach it very carefully. 

Carefully Review Particular Disability Insurance Program

Disability insurance programs can vary depending on what federal position you have. Therefore, before assuming you're entitled to a certain amount for a certain period of time, review your particular disability insurance policy. You should be able to talk to the provider directly about what types of injuries they do and don't cover, how much compensation is, and how long it will last. Once you learn these details, you'll have a better understanding of how to approach an injury or sickness that may be keeping you from returning to your federal position. 

Utilize Compensation Calculators

Before you try using your disability insurance for a federal position, first see what a general compensation amount should be based on your current disability situation. Fortunately, doing so is pretty manageable because there are compensation calculators available on federal websites.

After entering in some basic details like age and gross annual income, you can see how much coverage a disability insurance program should provide. Then, if you're given a lower rate once you try using your disability insurance policy, you'll know something is off and can look into the matter so that you're not left being compensated insignificantly. 

Always Pay Premiums

Disability insurance for federal employees isn't free. You will have to pay premiums (monthly payments). They need to be paid every month if you wish to continue having protection for when you're unable to work your normal federal position because of a disability.

If you miss a payment — even if it's just once — that can interfere with your disability insurance benefits and then you'll have to deal with more steps. Be sure to pay your premiums every month so that you're always enrolled in this important program for federal employees. You might want to set reminders or just get an auto-deducting schedule going with a bank account. 

Federal employees have access to disability insurance if circumstances lead to severe injuries and sickness. If you know what your particular plan covers and deal with it carefully when a disability becomes relevant to your life, you'll save yourself a lengthy process with federal employee disability insurance. For more information, contact a federal employee disability insurance provider.