FEGLI.net Introduces Long Term Disablility Insurance

Along with Guardian, we are pleased to announce a new Long Term Disability Insurance Plan designed especially for federal employees under the FERS system..

Along with Guardian, we are pleased to announce a new Long Term Disability Insurance Plan designed especially for federal employees under the FERS system.

Guardian is one of the most respected LTD providers in the industry. We can now offer senior, highly compensated federal employees full coverage on top of government sponsored disability and sick leave through FERS. Product highlights include the following:

Increased participation limits allowing for high level, tax free benefits in addition to the benefits available under FERS. These are the highest limits available under an individual plan.

Non cancellable-guaranteed renewable policy where the rates cannot be increased and the policy cannot be terminated as long as the premiums are paid.

“own occupation” definition of disability for the entirety of your disability. This is the same “your specialty” definition available to doctors for years. Many group plans alter this definition after two years to include definitions including any occupation based on training.

Full residual or partial disability based on as little as 15% loss of income.

Future purchase options to guarantee the protection of future salary increases.

Fully portable…if you leave the government, you don’t loose the policy. All benefits and rates are full guaranteed.

In many cases, you can pay for the Guardian LTD policy to protect your career earnings as well as a life insurance policy equal to five times your salary with the savings generated from our life insurance comparison at fegli.net. Our average savings for senior, highly compensated federal employees who currently carry FEGLI Option “B” has been $100,000 over twenty years. That means you can fully protect your family against death and disability for what you are currently paying for FEGLI Option “B”. Additionally, both the life insurance and LTD policies are fully portable if you leave the government.

This is the first time a premier disability carrier has offered the same quality product with professional participation limits to federal government employees as has been available to the medical, legal and engineering profession. To get your personal quote based on your profile, please complete and submit the brief form. We will get back to you within two days with a detailed quote.