Group Short Term Disability Insurance

Help protect your income and your family’s financial security when you are unable to work.

What would happen if your income stopped tomorrow?

Would you still be able to pay your living expenses? Support your family? Your ability to earn an income is one of your most valuable assets. That is why we offer Group Short Term Disability Insurance. It can help protect your income, ensuring funds are available if you become too sick or hurt to work. Here are some important coverage details:

Up to $3,500 in monthly benefits

You choose the monthly benefit amount in $100 increments.

Specially negotiated member rates

Negotiated rates that you can pay through payroll deductions.

30-day waiting period

Benefits start after a 30-day waiting period.

Calculate Your Premium Apply Online

For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)

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Use this handy calculator to get a good idea of what your rate will be.

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Active Postal Support Employee (PSE) Associate Retiree

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Short Term Disability will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. Long Term Disability will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or until you return to work.

You may apply for either or both coverages with the same or different benefit amounts up to two-thirds of your basic monthly pay. If you become disabled, and have both disability coverages, you would first collect benefits for Short Term Disability, after your 30 day waiting period. If you were still disabled at the end of the 12th month, you would continue to receive benefits for Long Term Disability.

All disability applications go through an underwriting process. Acceptance is based on the information you provide and your answers to the medical questions on your application.

Group Short Term Disability Insurance

What is the difference between Short Term and Long Term Disability?

May I apply for only one of the disability coverages or do I have to apply for both?

Are the disability coverages Acceptance Guaranteed?