Disability Income Insurance For

     Postal & federal employees

Your Questions Answered by Disability Income Insurance Specialist Bill O’Donnell

Over 30 Years of Experience

 

Q  AM I COVERED ON OR OFF THE JOB?

A YES.  24-7 coverage on or off the job.  no one is denied coverage.

 

When does my coverage start?

A  When the first premium comes out of your paycheck.  Generally within 2 weeks.

 

Q  When do my benefits start?

A  Benefits start on the 15th day.  no long waiting period to receive your money.

 

Q  ARE PRE-EXISTING CONDITIONS COVERED?

A  ANYTHING THAT IS WRONG WITH YOU NOW OR WITHIN THE LAST 12 MONTHS IS CONSIDERED PRE-EXISTING AND WILL NOT BE COVERED IN THE FIRST 12 MONTHS OF YOUR COVERAGE.  AFTER THAT, ALL PRE-EXISTING CONDITIONS ARE COVERED.  

 

Q   IS PREGNANCY AND COMPLICATIONS DUE TO PREGNANCY COVERED?

A  YES, BUT YOUR COVERAGE MUST ALREADY HAVE STARTED BEFORE YOU BECOME PREGNANT.

 

Q  CAN I STILL ENROLL IF NOT YET A CAREER EMPLOYEE?

A  ABSOLUTELY.  ALL POSTAL EMPLOYEES ARE ELIGIBLE, IE:  CCA, PSE, MHA, AND ALL CAREER EMPLOYEES.

 

 

Q  CAN I USE MY COVERAGE IN THE FIRST 12 MONTHS?

A  ABSOLUTELY.  ANYTHING THAT IS NEW (NOT PRE-EXISTING), IS COVERED DURING THE FIRST YEAR.

 

Q  What about workers comp? 

A  You’ll collect 50% of your disability benefit in addition to your workers’ comp check.  if workers comp is denied you will receive 100% of your disability benefit amount

 

Q  Can my coverage be canceled?

A  You can only be canceled for non-payment.

 

Q  What is the amount of monthly income I will receive?

A  You can choose the amount of income you’ll receive from $1200-$2000 per month.  The payments are tax-free.

 

 Q   What about payroll deduction.

A  payroll deduction is approved.

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