| Think it can’t happen to you? More than 8.5 million people collected Social Security disability benefits in 2008. |
Long Term Disability (LTD) Insurance
Protect your most important assets: your paycheck, your pension,
your future
Mortgage, rent, car payments, credit cards... The bills don't stop just because you can't work. You have a lot riding on your paycheck. Protect it with FEDERAL FIRST Long Term Disability (LTD) Insurance Program.1
This supplemental insurance benefit picks up where your Federal Retirement System (FERS) Disability Plan stops. It offers higher benefits, and you can choose an option that will start paying you as soon as 30 days after becoming disabled - unlike FERS benefits, which can take a year or longer. You don't even have to use all of your annual leave before receiving benefits.
Protect yourself and your family:  |
About the Program
FEDERAL FIRST's LTD insurance was originally designed by a group of federal personnel specialists. The program is managed and administered by Arthur J. Gallgher & Co, and is underwritten by MetLife. The stability of these two strong companies ensures that you and your family will be protected, now and in the future.
Learn More
- See an overview of the program's benefits, including the different levels of coverage and benefits that you can choose
- Learn how to enroll, including how to calculate the premium amount you'll pay
- Find answers to your questions in a comprehensive FAQ
- Contact customer service if you're already participating
1 The FEDERAL FIRST Long Term Disability Program is not an official federal program or endorsed by the U.S. government. It is sponsored and endorsed by the Department of Justice Recreation Association (1995), Nurses Organization of the Veterans Affairs (1996), and the National Conference of Bankruptcy Clerks (2007). It is also endorsed by the Federal Court Clerks Association (FCCA) and the Federal Law Enforcement Officers Association (FLEOA).
This long term disability program contains Limitations and Exclusions
This long term disability program contains Limitations and Exclusions
Think it can't happen to you?
Nearly one in five of us will become disabled for a year or more before reaching age 65.2 And half of all people who file for bankruptcy do so because of health problems.3
2 Life and Heath Insurance Foundation for Education. “Disability Insurance: Who Needs It?” http://www.lifehappens.org/disability-insurance/who-needs-it Accessed July 16, 2008.
3 David U. Himmelstein, Elizabeth Warren, Deborah Thorne, Steffie Wollhandler. “MarketWatch: Illness and Injury as Contributors to Bankruptcy.” Health Affairs. February 2, 2005. http://content.healthaffairs.org/cgi/content/full/hlthaff.w5.63/DC1 .
3 David U. Himmelstein, Elizabeth Warren, Deborah Thorne, Steffie Wollhandler. “MarketWatch: Illness and Injury as Contributors to Bankruptcy.” Health Affairs. February 2, 2005. http://content.healthaffairs.org/cgi/content/full/hlthaff.w5.63/DC1 .