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How Much Disability Insurance Should I Consider?

This calculator provides an estimate of the Long Term Disability Monthly benefit you may need based on your inputs.  You may want to consult your GEBA Wealth Management Financial Advisor to help you determine the optimal amount.  This calculator is for FERS employees only

Long Term Disability Needs
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Take Home Pay Percentage

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$
$
%

FERS Disability Pay Estimate

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Estimated Monthly Disablity Benefit under FERS

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$
$
$
$
*Long Term Disability Insurance helps you protect your income in the event you become disabled. You may want to consider supplementing your federal disability annuity with GEBA’s insurance plan. For information, visit Long Term Disability Insurance.
 
Note: If you receive social security benefits, the amount you receive will reduce the benefit received payable as a FERS employee.
 
Note: We recommend that you bring this estimate to the GEBA office and discuss the outcomes with a GEBA Member Services Representative.
 
Group Long Term Disability Insurance Paycheck Protection from GEBA. Our Group Long Term Disability Insurance offers up to $7,500 in monthly benefits.
Group Long Term Disability Icon

Comprehensive Disability Insurance coverage you should consider*

  • Tax-free payments up to $7,500 per month (not to exceed 67% of gross monthly salary). Please consult with your tax advisor for more information.
  • Coverage for a working spouse/domestic partner is also available. (Member coverage is required.)
  • Affordable group rates with many convenient payment options.
  • 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.
  • Survivor Income Benefits, when available, are paid to the insured’s designated beneficiary (a benefit equal to three monthly disability payments).

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

Exclusive Benefits from the Organization Feds Have Trusted Since 1957.

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(not available to Federal Retirees, or active/retired

Military, Sponsored Family Members)
Why you should consider long term disability?

Why Consider Long Term Disability?

How much disability insurance do I need

How Much Disability Insurance Should I Consider?

Why GEBA is a smart choice for disability insurance

Why GEBA is a Smart Choice for Disability Insurance

How Long Term Disability is Different from Long Term Care

Difference Between Long Term Disability & Long Term Care

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About
GEBA

GEBA - Government Employee's Benefit Association

 GEBA is a not-for-profit federal employee benefit association created by National Security Agency (NSA) employees in 1957. Our goal is to offer high-quality insurance and investment products at competitive rates combined with expert financial planning services to best meet our members’ needs throughout all life stages and circumstances. GEBA has been serving Federal employees for over 65 years, and you can count on us to be there for you and your family when you need it most.

 GEBA membership is FREE and is available to ALL Civilian Federal Employees and retirees, military (active duty, retired, disabled, and veterans), and their families. Membership is activated upon enrollment in a plan or service and continues as long as you maintain any plan or service with GEBA.

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We’re available by phone:
(410) 657-8060
(800) 826-1126
M–F 8:00 a.m.–4:30 p.m. ET

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Fax: (410) 846-6420

1362 Mellon Road, #100
Hanover, MD 21076

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GEBA provides expert non-commissioned retirement and financial planning services to Feds, military, and families.

Rate Corner

Ask one of our Financial Advisors about our great fixed annuity rates:

Fixed Annuities
Guaranteed Rates:
3-year: 5.20%
5-year: 5.50%

GEBA Stable Value Fund: 3.56%
(past 30 days)

Rates as of 01/03/2025. Minimum investment amounts may apply.

In these uncertain times, understanding your Federal Employee benefits and retirement options is essential. GEBA’s here to help.

Watch our on-demand webinars, Understanding Your Retirement Options and TSP Strategies for Your Next Steps to learn more about your possible retirement scenarios.

For personalized guidance, call our expert credentialed advisors at (410) 657-8060, 8:00 a.m. – 4:30 p.m. ET or email [email protected]. 

For more on GEBA’s benefits, discount programs, or financial and retirement services, click on the appropriate box above.

For more on GEBA’s membership eligibility, click here. 

GEBA’s Board of Directors recently made a $10,000 charitable donation to *FEEA’s Disaster Relief Fund to help support Federal Employees impacted by Hurricanes Helene and Milton.

*The Federal Employee Education and Assistance Fund (FEEA). Learn more at https://feea.org/

Copyright © 2025 GEBA. All rights reserved.

Securities are offered through American Global Wealth Management, Inc. Member FINRA, SIPC, MSRB, a broker dealer.

Investment Advisory Services are offered through Cape Investment Advisors, Inc., an SEC registered investment advisor.

1600 Pennsylvania Avenue, McDonough,GA 30253
Tel: (678) 583-1120

GEBA Financial Advisors and Consultants are Registered Representatives of one or both firms. GEBA is not affiliated with either firm.

Individual Life Insurance offered through Truchoice Financial.

For information about our Financial Advisors and Consultants, please visit Broker Check.

Group Term Life and Disability Insurance underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR.

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