Civilian temporary disability insurance


Q. I was told that federal employees are not covered under temporary disability insurance. I was directed to different offices with negative results. I asked our CIVPAY office and was told that I have mandatory payroll deduction for Old Age Survivors and Disability Insurance for the past 28 years meant for disability insurance. I have submitted my disability retirement application to our civilian personnel Office at Fort Shafter, Hawaii, since December. I have depleted my personal savings and am experiencing financial hardship and I need help. Please direct me to the right office to apply for this temporary disability insurance benefit pending approval of my benefit.

A. What you were told is correct. The federal government doesn’t provide temporary disability insurance for its civilian employees. Instead, employees must use sick and annual leave or go on leave without pay.

However, the government does allow employees to donate annual leave to someone in need. Talk to a benefits specialist in your personnel office about how to get on the list of potential recipients.


About Author

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

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