Short Term Disability Insurance

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Disability insurance can help provide monthly income protection if an illness or injury keeps you from working. Coverage is designed to help support everyday expenses while you recover, both on and off the job. Flexible benefit options are available to fit different needs and budgets

• Income Protection: Your bills don’t stop when you’re unable to work.
• On & Off The Job Coverage: Coverage is designed to help protect you whether an injury or illness happens at work or away from work.
• No Health Questions: No lengthy medical questionnaires or exams during enrollment.
• Portable Coverage: Keep your coverage even if you leave the Postal Service or retire.

• Monthly benefits available from $1,500 to $6,000
• Covers accidents and sicknesses
• 24-hour protection
• Choice of waiting periods
• Choice of benefit periods
• Pre-existing conditions eligible after 1 year of policy ownership
• Maternity coverage available (subject to policy waiting period)
• Benefits are generally received income tax-free

Accident insurance provides cash benefits directly to you after a covered accident. Benefits can help with medical expenses, everyday bills, or other unexpected costs during recovery.

• Benefits paid directly to you 
• Family coverage available 
• No health questions
• Starting as low as $9.06 per pay period

• Cash Benefits Paid Directly To You: Benefits are paid directly to you and can be used however you choose.
• Coverage For Everyday Accidents: Coverage can help with many common accident-related expenses and treatments.
• Family Coverage Available: Options are available for individuals, spouses, children, or the entire family.
• Portable Coverage: Keep your coverage even if you leave the Postal Service or retire.

Coverage may include benefits for:

• Emergency Room Visits
• Urgent Care Visits
• Ambulance Transportation
• Hospital Confinement
• Intensive Care
• Fractures
• Burns
• Lacerations
• Physical Therapy
• CT Scans & MRI Imaging
• Follow-Up Treatment

Critical illness insurance provides a lump-sum cash benefit if you’re diagnosed with a covered condition such as cancer, heart attack, or stroke.

Benefits are paid directly to you and can be used however you choose.

• Benefits paid directly to you
• Coverage available up to $40,000
• Covers cancer, heart attack, stroke, and more
• Family coverage available

• Focus On Recovery: A serious illness can affect more than your health. It can impact your finances, work, and family.
• Cash Paid Directly To You: Benefits aren’t restricted to medical bills. Use them however you need.
• Family Protection Available: Coverage options are available for spouses and children.
• Coverage Stays With You Keep your coverage even if you leave the Postal Service or retire.

Covered conditions may include:

• Cancer
• Heart Attack
• Stroke
• End Stage Renal Failure
• Major Organ Transplant
• Coronary Artery Bypass Surgery

See policy details for covered conditions and benefit percentages.

Help protect the people who matter most. Life insurance helps provide financial protection for your loved ones if something happens to you. Whether you’re protecting a spouse, children, grandchildren, coverage can help provide peace of mind for the people who depend on you.

• No health questions for up to $50,000
• Coverage available up to $150,000
• Whole life and term life options available
• Keep your coverage if you leave or retire

• Coverage That Lasts: Whole life insurance provides permanent coverage that stays with you for life.
• Rates Stay The Same: Premiums remain level and do not increase as you get older.
• Build Cash Value: Policies build guaranteed cash value that grows over time.
• Coverage You Can Keep: Take your policy with you if you leave the Postal Service or retire.

• Whole Life Coverage Available
• Term Life Coverage Available
• Coverage Up To $150,000
• No Health Questions Available For Many Applicants
• Guaranteed Cash Value Growth
• Eligible For Annual Dividends
• Level Premiums
• Coverage Available For Spouses, Children, and Grandchildren