1 in 4 Will Face a Disability Before Retirement!2.
If your income stopped tomorrow, would your coverage be enough?
Federal benefits help, but they may not fully replace your income if you’re unable to work due to a covered illness or injury. Over time, that gap can deplete your long-term savings and/or retirement and impact your ability to cover:
- Mortgage or rent
- Daily living expenses
- Family support
Your income is one of your most valuable assets. GEBA’s Group Long Term Disability Insurance may help you maintain financial stability when the unexpected happens.
See how much protection $6.50 a month
may provide your family.**
Protection When it Counts
GEBA’s Group Long Term Disability coverage helps replace a portion of your income if you’re unable to work due to a disabling illness or injury.
- Covers up to 67% of your gross monthly salary
- Provides tax-free* monthly benefits up to $7,500
Available to active federal employees (excluding active-duty military) up to age 60
Long Term Disability Insurance: Myth vs. Fact
Federal Employees have access to valuable benefits, but when it comes to income protection, coverage isn’t always as clear as it seems. Let’s break down a few common myths and the facts behind them.
Myth | Facts |
|---|---|
I don’t need Disability Insurance because I have coverage through work. | The FERS retirement disability benefit is taxable and pays 60% of your salary for the first 12 months and then 40% until retirement eligibility. |
My Federal benefits will fully protect my income if I become disabled. | Without traditional disability coverage, Federal Employees rely on sick leave and retirement disability, which can fall short. |
I don’t need it because I don’t work in a “dangerous” job. | Most disabilities are caused by illness—not accidents—meaning they can happen to anyone, regardless of occupation. |
Federal Benefits Reality Check
FERS Disability Retirement is helpful, but it’s not designed as full income protection.
- It’s a retirement pathway, not a paycheck replacement
- Benefits may fall short of your monthly needs, including housing, family expenses, and long-term financial goals.
- Qualification requires strict eligibility criteria. You must show that your condition prevents you from doing your job, will last at least one year, and cannot be accommodated by your department or agency.
Request More Information
Submit your information to receive plan details, rates, and eligibility for Federal Employees.
1 “Hey Gen X: Time to Protect Your Income,” Council for Disability Income Awareness, July 2024
2 Disability Benefits (Publication No. 05-10029), Social Security Administration, February 2025
**Cost is based on members age 39 and younger with a 90-day waiting period. Cost for those eligible up to age 60, ranges from $6.50/month to $221.00/month based on member age, waiting period, and benefit amount.
Group Long Term Disability Insurance underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR under policy G-29344-0. For information including features, cost, eligibility, renewability, limitations, and exclusions, visit www.GEBA.com/LTD.
NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
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