Feds Trusted. Service Driven.

Feds Trusted. Service Driven.

Group Long Term Disability Insurance

Trust GEBA - For Paycheck Protection If You Suffer A Disability

GEBA’s Group Long Term Disability (LTD) coverage with New York Life Insurance Company helps provide “active” Federal employees (excluding military) a portion of your monthly income if you become disabled due to a debilitating accident or illness and can no longer work. 

Coverage Highlights: As a federal employee, you are not covered for LTD insurance for the first 18 months of your employment. With GEBA, Federal employees up to age 60 can apply for coverage with a 90 or 180-day waiting period.

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 in NH, ME, OR, VT.

  • FERS employees receive 60% of your salary for the first year of disability (which is taxable), and 40% of your salary – until you are eligible for normal retirement. 
  • CSRS employees receive 40% of your salary (which is taxable) – until you are eligible for normal retirement. 

Choose Group Long Term Disability coverage with GEBA and
join more than 16,000 satisfied members of the intelligence community and the broader federal workforce. Membership in GEBA is free as long as you maintain coverage.

Here’s what GEBA’s Comprehensive Disability Insurance includes**:

Benefits are protected from inflation. Cost of Living Adjustments begins with your second year of collecting disability.
Up to six annual adjustments will be made, with a maximum annual increase of 6%.

Partial Disability and Rehabilitation Benefits

Premiums will be waived after you begin receiving your benefit for a covered disability.

Coverage for a working spouse/domestic partner is also available (Member coverage is required)

Exclusive member-only group rates with many convenient payment options

Survivor Income Benefits, when available, are paid to the insured’s designated beneficiary (a benefit equal to three monthly disability payments)

*Consult your tax advisor.
**Sponsored Family Members are not eligible for the Group Long Term Disability Insurance Plan.

Think the Government has you Covered?

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)


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

GEBA is proud to partner with New York Life Insurance Company, a recognized leader in the group insurance field, and one of the largest and most respected life insurance companies in the nation. Since 1845, New York Life has kept the promises made to protect policy owners and their beneficiaries. And each promise is backed by stability and proven financial strength.
Learn more about New York Life and additional policy information here.
New York Life
Secure Future

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!

New York Life
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 Long 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-29344-0

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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