AFSPA is proud to offer two coverage options for disability, exclusively designed for our members. Disability policies provide peace of mind because they help cover regular living expenses – like your mortgage or rent, groceries, car payments, etc. – if you are unable to work for several weeks or months, but are not permanently disabled. We recommend considering a disability plan if you are new to Federal service or if you have less than two years of sick leave. 

Here are four things to know about the disability insurance plans we offer:

  • Following our commitment to Caring for Your Health Worldwide, both plans cover you anywhere in the world.
  • Both plans provide disability coverage, meaning that they provide income replacement when you are unable to work for several weeks, or longer, because of a medical condition.
  • These plans also provide you with partial/residual disability benefits if you are unable to perform all of your regular duties due to illness or injury, and are not considered totally disabled. 
  • Depending on the plan you choose, you may be able to receive a lump sum benefit after regular monthly payments, or, you may be able to use the regular monthly benefits to cover a healthy maternity leave.

Click the tabs here to learn more about both plans and decide which is right for you and your family.

The information shared here is not the insurance contract. The information in the tabs here provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.


Here's what you need to know about the Lloyd's of London Disability Income Protection Insurance:

  • It provides 60% of your annual salary up to a maximum benefit of $5,000 per month for a two-year period, after a 45-day qualifying period.
  • You may choose, at the time of your application, to purchase an optional Lump Sum Benefit of $250,000, or up to five times your annual salary, whichever is less.
  • This plan has an application process, and you may be denied participation depending on your current health.
  • Benefits will be offset by FERS, CSRS, and Social Security. This plan does not cover injuries or illness resulting from war or terrorism, nor does it cover routine maternity.

To apply for coverage today:

No need to wait for an open enrollment period! You can apply at any time.

Both current and new AFSPA members simply complete and return the application at the bottom of this page.  For quicker service, please upload the completed form via our secure Disability Plan form portal. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

 

 

Use the simple calculator below to determine your yearly premium and monthly benefit for this plan.


 
 
Monthly Benefit Amount:
Lump Sum Benefit Election:
LTD Annual Premium:
Lump Sum Annual Premium:

As of February 1, 2016, AFSPA is proud to offer an additional disability insurance option to our members. 

Here’s what you need to know about the CIGNA Global Long Term Disability Plan:

  • It provides you with up to 60% of your annual salary, up to a maximum benefit of $5,000 per month, for either a two-year or five-year period following a 30-day qualifying period.
  • No one will be turned away; this plan does not require a review of your health history to enroll.
  • Medically Necessary Maternity coverage is included, and/or complications resulting from pregnancy.
  • This plan does cover war and terrorism.
  • To enroll in this plan, you must work a minimum of 30 hours a week.
  • Benefits will be offset by FERS, CSRS, and Social Security.
  • The "3/6/12" rule applies: If you are treated for a medical condition 3 months prior to your effective date, it will not be covered unless you are treatment free for 6 months after your effective date of coverage or after you have been insured and still active at work for 12 months.
  • Please review plan documents for details of coverage.

To enroll in coverage today:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the enrollment form at the bottom of this page.  For quicker service, please upload the completed form via our secure Disability form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

 

DISCLAIMER
This overview is intended to provide only a general description of this insurance and is not intended to describe the full terms and conditions of the master policy. Policy provisions will prevail if there is a conflict between the policy and the descriptions/FAQ's listed in this page.

Use the simple calculator below to determine your yearly premium and monthly benefit for this plan.


 

 

 
 
Monthly Benefit Amount:
Annual Premium:
Overview

AFSPA is proud to offer two coverage options for disability, exclusively designed for our members. Disability policies provide peace of mind because they help cover regular living expenses – like your mortgage or rent, groceries, car payments, etc. – if you are unable to work for several weeks or months, but are not permanently disabled. We recommend considering a disability plan if you are new to Federal service or if you have less than two years of sick leave. 

Here are four things to know about the disability insurance plans we offer:

  • Following our commitment to Caring for Your Health Worldwide, both plans cover you anywhere in the world.
  • Both plans provide disability coverage, meaning that they provide income replacement when you are unable to work for several weeks, or longer, because of a medical condition.
  • These plans also provide you with partial/residual disability benefits if you are unable to perform all of your regular duties due to illness or injury, and are not considered totally disabled. 
  • Depending on the plan you choose, you may be able to receive a lump sum benefit after regular monthly payments, or, you may be able to use the regular monthly benefits to cover a healthy maternity leave.

Click the tabs here to learn more about both plans and decide which is right for you and your family.

The information shared here is not the insurance contract. The information in the tabs here provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.

Lloyd's of London

Here's what you need to know about the Lloyd's of London Disability Income Protection Insurance:

  • It provides 60% of your annual salary up to a maximum benefit of $5,000 per month for a two-year period, after a 45-day qualifying period.
  • You may choose, at the time of your application, to purchase an optional Lump Sum Benefit of $250,000, or up to five times your annual salary, whichever is less.
  • This plan has an application process, and you may be denied participation depending on your current health.
  • Benefits will be offset by FERS, CSRS, and Social Security. This plan does not cover injuries or illness resulting from war or terrorism, nor does it cover routine maternity.

To apply for coverage today:

No need to wait for an open enrollment period! You can apply at any time.

Both current and new AFSPA members simply complete and return the application at the bottom of this page.  For quicker service, please upload the completed form via our secure Disability Plan form portal. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

 

 

Use the simple calculator below to determine your yearly premium and monthly benefit for this plan.


 
 
Monthly Benefit Amount:
Lump Sum Benefit Election:
LTD Annual Premium:
Lump Sum Annual Premium:
CIGNA Disability

As of February 1, 2016, AFSPA is proud to offer an additional disability insurance option to our members. 

Here’s what you need to know about the CIGNA Global Long Term Disability Plan:

  • It provides you with up to 60% of your annual salary, up to a maximum benefit of $5,000 per month, for either a two-year or five-year period following a 30-day qualifying period.
  • No one will be turned away; this plan does not require a review of your health history to enroll.
  • Medically Necessary Maternity coverage is included, and/or complications resulting from pregnancy.
  • This plan does cover war and terrorism.
  • To enroll in this plan, you must work a minimum of 30 hours a week.
  • Benefits will be offset by FERS, CSRS, and Social Security.
  • The "3/6/12" rule applies: If you are treated for a medical condition 3 months prior to your effective date, it will not be covered unless you are treatment free for 6 months after your effective date of coverage or after you have been insured and still active at work for 12 months.
  • Please review plan documents for details of coverage.

To enroll in coverage today:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the enrollment form at the bottom of this page.  For quicker service, please upload the completed form via our secure Disability form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

 

DISCLAIMER
This overview is intended to provide only a general description of this insurance and is not intended to describe the full terms and conditions of the master policy. Policy provisions will prevail if there is a conflict between the policy and the descriptions/FAQ's listed in this page.

Use the simple calculator below to determine your yearly premium and monthly benefit for this plan.


 

 

 
 
Monthly Benefit Amount:
Annual Premium:

FAQs (17)

What happens if my disability lasts longer than the benefit period?

With both plans, the benefit period will not be extended. 

Depending on your specific circumstances, Federal Employees Retirement System (FERS) coverage may provide you with disability coverage. 

The Lloyd’s of London plan does offer an Optional Lump Sum Benefit, which must be elected at the time you apply for the plan. It cannot be purchased once coverage is in effect, and it cannot be purchased once you have become disabled. The Optional Lump Sum Benefit, with a separate premium, will provide you with either $250,000 or an amount up to 5X your salary, whichever is less. This optional benefit is paid out only if you are still considered totally disabled after receiving your monthly benefit for the full two years. 

What is total disability coverage?

Disability coverage provides salary replacement when one experiences lost income due to a sickness or injury.

How much of my salary can I replace under the Lloyd's of London and the CIGNA Global Health Disability plan?

Both plans pay out a benefit of up to 60% of your annual salary, up to a maximum of $5,000 per month, for a limited period of time (2 years for the Lloyd’s of London plan, and either 2 years or 5 years for the CIGNA plan). 

Will I be asked questions about my health and can I be turned down?

Whether you are asked questions about your health depends upon which of the two plans you choose, Lloyd’s of London or CIGNA.

The Lloyd’s of London plan does require an application containing a few health questions. Depending upon your current health status and the severity of any medical condition, you could be turned down for coverage.

The CIGNA plan does not require an application, you simply enroll. To enroll you must work a minimum of 30 hours a week. It is important to understand that the CIGNA plan does follow something called a “3/6/12 Rule.” If you are treated for a medical condition 3 months prior to your effective date, any disability arising from that condition will not be covered unless you are treatment free for 6 months after your effective date of coverage or after you have been insured and still active at work for 12 months.

Does a disability plan provide health coverage too?

No, it provides wage/salary replacement only.

How long do the disability plans provide benefits? Is there an elimination/waiting period before benefits are payable?

Both plans have a qualifying period, typical with disability insurance plans. This time period is also known as an “elimination” period. Think of your need to cover living expenses without income during this time period as similar to having to meet the deductible through your health insurance plan. During the qualifying period, you remain financially responsible for your living expenses. 

  • The Lloyd’s of London plan will provide benefits for 24 months, after a 45-day qualifying period.
  • The CIGNA plan will provide benefits for 2 years or 5 years, depending on the plan you choose at the time of enrollment, after a 30-day qualifying period.
What is the Optional Lump Sum Benefit offered by the Lloyd's of London plan ?

The Optional Lump Sum Benefit of $250,000 or up to 5X your salary, whichever is less, must be elected at the time of application. A separate premium is applicable for this additional coverage. The Optional Lump Sum Benefit is payable after the maximum benefit period has been met under the basic disability policy and if you are still considered totally disabled.

If I am declared permanently disabled under the government's Federal Employees Retirement System (FERS), can I collect benefits under theses policies and FERS?

No, disability coverage will cease once the FERS disability coverage begins for both of these plans.

Will I be billed for the premiums on a quarterly or annual basis?

Both plans are payable only by a monthly deduction from a designated financial institution. Unlike other plans sponsored by AFSPA, premiums must be paid monthly to both Lloyd’s and CIGNA.

How do these disability plans differ from a typical disability plan?

These disability plans are meant to cover the gap in lost income when a newly hired employee has not yet accumulated a substantial amount of sick leave and is unable to work for a period of time or if you just want extra income protection. Typical disability plans offer long-term disability coverage that covers you to age 65 should you become disabled.

Is this plan available to my family members?

No. Only active duty employees who are AFSPA members, or eligible for AFSPA membership, can apply.

What do I need to know about direct debit enrollments, changes, and cancellations?

Due to security and concerns for protecting your privacy, ALL Direct Debit enrollments/changes will be handled through the AFSPA Member Portal.

Three e-mails will be generated: (1) an e-mail containing a secure PDF of your signed enrollment for your records; (2) an acceptance e-mail from the AFSPA Accounting Team that your Direct Debit has been processed and accepted; and (3) an e-mail when the first debit has occurred from your bank account.

All changes made online to your Direct Debit will be confirmed via e-mail.

You can also use the edit button to change bank information quickly and immediately.

To cancel direct debit, send a request via email or our secure forms page and indicate the date on which direct debiting should be cancelled. 

 

Does an individual have to exhaust all their annual leave before drawing on this disability insurance plan?

No, annual leave is not taken into account when a claim is submitted/considered.

Is sick leave taken into account when a disability claim is submitted?

Regarding sick leave, the certificate booklet states on page 14:
"An employee for whom Disability Benefits are payable under the Policy may be eligible for benefits from Other Income Benefits. If so, the Insurance Company may reduce the Disability Benefits by the amount of such Other Income Benefits. Other Income Benefits Include:
*Any sick leave or salary continuation plan"

How does the Cigna Disability Plan apply the 30-day elimination period?

Cigna Adjudicates the claim based on the claimant's answer, the medical certification received from the Physician and the employer's statement. This disability plan would not start benefit consideration until the 31st day of medical necessary disability.

Is a Doctor's note needed regarding the duration of recovery as a result of an illness or injury? (NOTE: Includes maternity)

Yes, your Physician is required to provide a statement to document your medically necessary disability to validate your claim.

Do I need to exhaust ALL of my sick leave before long term disability is paid?

No, you are not required to use your sick leave. However, if you are receiving sick leave benefits, it will be coordinated with this disability policy.

 

FORMS & BROCHURES (4)

Form

Description

Action

Disability Plan Question
Disability Plan Question Form
Non FSBP Direct Debit Request
Non FSBP Direct Debit Request for use with Life AD&D, Dental, Disability and Long Term Care Plans
Lloyd's of London Disability Brochure
Lloyd's of London Disability Brochure and Application
Cigna Disability Brochure
Cigna Disability Brochure and Enrollment Form