Trust GEBA –
For Paycheck
Protection If
You
Suffer A Disability
GEBA Group Long Term
Disability Insurance
Trust GEBA –
For Paycheck
Protection If
You
Suffer A Disability
GEBA Group Long Term
Disability Insurance

GEBA’s Group Long Term Disability (LTD) coverage with New York Life Insurance Company helps provide “active” Federal employees (excluding active duty Military) a portion of your monthly income if you become disabled due to a debilitating accident or illness and can no longer work.
Many Federal employees don’t have adequate disability coverage through their benefits. If an injury or illness prevents you from working, how will you manage your financial obligations?
Federal employees up to age 60 can apply for GEBA Long Term Disability (LTD) coverage.
GEBA’s Group LTD plan provides tax-free* payments up to $7,500 per month (not to exceed 67% of gross monthly salary). Note: Coverage is unavailable for applicants residing in NH, ME, OR, and VT.
How does Federal Disability Retirement compare?
- FERS employees receive 60% of their salary for the first year (taxable), and then 40% until retirement eligibility.
- CSRS employees receive 40% of their salary (taxable) until retirement eligibility.
Choose Group Long Term Disability coverage with GEBA and join approximately 16,000 satisfied members of the Intelligence Community and the broader Federal workforce. Membership in GEBA is free as long as you maintain coverage.
(Not available to Federal retirees, active/retired Military, or Sponsored Family Members) *Consult your tax advisor.




How much will it cost?
Think the Government has you Covered?
GEBA vs. FERS
Even if you qualify, the FERS disability coverage you have as a government employee may not be enough if you suffer a long term disability.
Supplemental coverage from GEBA offers flexibility that may make sense.
Plus, GEBA also offers coverage for a working spouse/domestic partner, FERS does not. (GEBA member coverage is required)
30-DAY
FREE LOOK
When you become insured, you will be sent a Certificate of Insurance summarizing your coverage.
If you’re not completely satisfied with the Certificate’s terms you may return it, without claim, within 30 days and your premium will be promptly refunded. No questions asked! Your insurance will then be invalidated.
The Strength of
New York Life
Exclusive Benefits from the Same Organization Your Peers Have Trusted Since 1957.
How Can We Serve You Today? Our Knowledgeable Member Services Staff Can Help!
Call: (410) 657‑8060 or (800) 826‑1126 Email: [email protected]
(Not available to Federal retirees, active/retired Military, or Sponsored Family Members)

GEBA’s Group Long Term Disability Insurance, underwritten by New York Life Insurance Company, pays a monthly benefit if you have a serious covered injury, accident, or illness that makes it impossible for you to work.
The NEW YORK LIFE Box Logo is a registered trademark of New York Life Insurance Company and is registered in the United States and in other countries around the world.
The Group Term Disability Insurance Plan is underwritten by New York Life Insurance Company, 51 Madison Ave, New York, NY 10010. Under Group Policy G-29344-0 on Policy Form GMR-FACE/G-293440-0
New York Life’s state of domicile is New York, and NAIC ID # is 66915
New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability.
Before applying and for important information including features, cost, eligibility, renewability, limitations, and exclusions, please read the additional policy information.
Coverage is not available in all states at this time. Please contact GEBA for details.
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