Long-term disability insurance


Q: My husband is a federal employee working for OPM under FERS. We cannot find any reference to long-term disability insurance. Is LTD standard with FERS? If so, is there a link to the policy description/handbook? Also, I heard that the program only kicks in after a year of disability and falls to 40 percent in second and subsequent years. Is there some sort of supplemental insurance that is recommended?

A: The federal government doesn’t provide short- or long-term disability insurance to its employees. What it does provide is disability retirement to anyone who qualifies. To find out who can apply and how, go to www.opm.gov/retire/pubs/handbook/C060.pdf and scroll down to Section 60B. To see how disability annuities are computed, go to www.opm.gov/retire/pubs/handbook/C061.pdf. and scroll down to Section 61B  Note:Because your husband is a FERS employee, if he applies for disability retirement, he must also apply for Social Security disability benefits.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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