Disability Insurance
Because peace of mind is priceless
Our disability coverage can bring you precious peace of mind by helping you cover your regular living expenses such as mortgage or rent, groceries, or transportation costs, if you are unable to work for several weeks or months, but are not permanently disabled. If you are new to Federal service or if you have less than two years of sick leave, we highly recommend considering disability plan coverage. You can enroll at any time.
Enroll anytime!
Lloyd's of London
Up to $5,000 per month after 45-day waiting period
Did you know Lloyd’s of London insured the guitar-god hands of Rolling Stone legend Keith Richards for $1.6 million? And the singing voice of the Boss himself, Bruce Springsteen, for $6 million? Surely you’ll be in elite company when you sign up to safeguard your income with AFSPA’s elite disability income plan backed by world-renowned Lloyd’s of London.
- Worldwide coverage
- Coverage of 60% of your salary, up to $5,000 per month for a 2-year period
- Coverage kicks in after a 45-day qualifying period
- Optional lump sum benefit of $250,000, or up to 5x your annual salary (whichever is less)
Cigna Disability 30-Day Plan
Up to $5,000 per month after 30-day waiting period
The CIGNA 30-Day plan offers comprehensive disability insurance after a 30-day waiting (elimination) period. No health application required.
- Worldwide coverage
- Coverage of 60% of your salary, up to $5,000 per month for a 2-year period
- Coverage kicks in after a 30-day qualifying period
- Offers "medically necessary" maternity coverage
How do I enroll?
Simply complete the PDF enrollment form and click the button above to submit your form.
| Use the calculator below to see what your yearly premium and monthly benefit will be |
|---|
| Monthly Benefit Amount: | |
| Annual Premium: |
Cigna Disability 90-Day Plan
Up to $7,500 per month after 90-day waiting period
The CIGNA 90-day disability plan accommodates a greater range of salaries at a lower premium. It offers a higher maximum monthly benefit (up to $7,500 a month). No health application required.
- Worldwide coverage
- Coverage of 60% of your salary, up to $7,500 per month for a 2 or 5-year period
- Coverage kicks in after a 90-day qualifying period
- Offers "medically necessary" maternity coverage for complications only
How do I enroll?
| Use the calculator below to see what your yearly premium and monthly benefit will be |
|---|
| Monthly Benefit Amount: | |
| Annual Premium: |
What we offer
Request a Call Back
Recent Blog Posts
2024 FSBP Open Season
Open Season started Monday, November 13th and it is already in full swing! You have until December 11th to make changes to your health insurance, dental and vision insurance, and FSAFEDS program. If you’re happy with your health, dental/vision insurance, there is no action needed on your end. For the FSAFEDS program, you do have to re-enroll every year. Keep reading to learn about the new changes and added benefits to the Foreign Service Benefit Plan.
Domestic Violence Awareness Month: Let’s Talk About It
As October concludes, we want to highlight that October is Domestic Violence Awareness Month. AFSPA is joining the campaign to help raise awareness around domestic violence abuse in intimate relationships.
