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(not available to sponsored family members)

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.

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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.
  • No premium after you begin receiving your benefits.
  • 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.

New Employee at GEBA

Are You a New Employee?

New federal employees are not covered by the FERS Retirement Disability Insurance Plan for the first 18 months. No need to worry – GEBA has you covered with guaranteed benefits of $1,600/month* and guaranteed benefits of $1,000/month* for your spouse/domestic partner.

*Must be age 55 or younger, a U.S. Citizen, and not previously declined.

Long Term Care Insurance

Many people are startled to learn that long-term care is not covered by traditional health insurance or Medicare. Be prepared!

Long Term Care Insurance

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