Securing Feds' Financial Futures
Since 1957

Securing Your Financial Future – Entrusted since 1957

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
$

Take Home Pay Percentage

$
$
$
%

FERS Disability Pay Estimate

$

Estimated Monthly Disablity Benefit under FERS

$
$
$
$
$
*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 Same Organization Your Peers Have Trusted Since 1957.

How Can We Serve You Today? Our Knowledgeable Member Services Staff Can Help!

Get An Instant Quote
Apply Today
(not available to 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

alt-to-ltc.jpg

Policy Information, Forms and Claims

Trust GEBA – Securing Feds’ Financial Futures for Over 65 Years

Life Insurance

Life
Insurance

Long Term Disability

Group Long Term Disability

Dental
Insurance

Vision Insurance

Vision
Insurance

Long Term
Care

Emergency
Travel Plan

Professional
Liability

Auto & Home
Insurance

Pet
Insurance

Financial
Planning

About
GEBA

GEBA - Government Employee's Benefit Association

1362 Mellon Road, #100
Hanover, MD 21076

 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 available to ALL civilian federal employees and retirees, including the military and their families. Membership is free, and continues as long as you maintain a plan or service with GEBA.

Get in Touch

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

CALL
Call

Send Message
Email

Fax: (410) 846-6420

Rate Corner

Ask us about our great fixed annuity rates:

Fixed Annuities:
Guaranteed Rates:
2-year: 4.50%
3-year: 4.80%
5-year: 5.25%

Stable Value Fund: 2.59%
(past 30 days)

Rates as of 5/3/2023. Minimum Investment amounts may apply. 

Copyright © 2023 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

We want to assist you better. Help us help you.

Gain access to insurance and investment content.
PLUS receive personalized service and updates from GEBA.

Popup Form

We respect your privacy. Your information is safe and will never be shared. You can unsubscribe at any time.