AFSPA members who are active, full-time U.S. citizens on assignment or expatriates are eligible to apply as long as they are under age 69 and work at least 30 hours per week.
The Plan covers a wide range of disabling conditions, including:
Monthly benefit amounts range from $50 to $7,500. Your monthly coverage amount, plus any other disability income coverage you may have, cannot exceed 60% of your monthly earned income.
AFSPA offers competitive group rates that help make this coverage more affordable than what you might find independently. Rates are calculated based on your monthly benefit amount, age, and your Plan option (2-year or 5-year).
Visit enrollment.afspa.org to find your exact rates.
Both options can help replace up to 60% of your monthly earnings with a benefit between $50 – $7,500 per month. Both also provide tax-free benefits: Since you pay premiums with after-tax dollars, your benefits aren’t subject to federal income tax. However, the two options differ in benefit duration and disability definitions. The 5-year option has a slightly higher cost per $100 in coverage due to the extended duration.
2-year option | 5-year option | |
Duration | Benefits for up to 2 years from the date your claim starts, or until age 70 (whichever comes first); members age 69+ can receive up to 12 months of benefits. | Benefits for up to 5 years from the date your claim starts, or until age 70 (whichever comes first); members age 69+ can receive up to 12 months of benefits. |
Disability definition | You’re considered disabled if you’re unable to perform the material and substantial duties of your regular occupation, have a 20% or more loss in monthly. earnings, and are under the care of a doctor | First 24 months: Same as the 2-year option (unable to perform duties of your regular occupation) After 24 months: Extends to include being unable to perform duties of any gainful occupation for which you’re reasonably fitted by education, training, or experience, while under a doctor’s care |
If you need to make changes to your LTD coverage—whether it’s updating your salary information, adjusting your coverage amount, or switching between the 2-year and 5-year plan options—please contact AFSPA Member Services directly.
Contact AFSPA:
What you’ll need to provide:
Changes to your coverage may require updated premium calculations, so our team will work with you to process your request and provide any necessary paperwork.