Short Term Disability Insurance for feds

[Anonymous]

Has anyone found a good short term disability policy for federal workers? I'm specifically interested in maternity coverage, but am also interested in it for my DH too. I've looked around and the policies all seem so expensive since they aren't offered through work.

[Anonymous]

Anonymous wrote:Has anyone found a good short term disability policy for federal workers? I'm specifically interested in maternity coverage, but am also interested in it for my DH too. I've looked around and the policies all seem so expensive since they aren't offered through work.

I'm not sure you can insure against something you know is going to happen. Maternity leave insurance sounds like flood insurance to me. You can't buy it except from the government and it's massively subsidized.

[Anonymous]

After a while you really only need long-term disability. I think short-term takes two weeks to kick in whereas long-term kicks in at 90 days (7 weeks or 35 sick days but probably less since there's holidays). Unless you get sick a lot you should have 35 days banked after four or five years.

[Anonymous]

Anonymous wrote:After a while you really only need long-term disability. I think short-term takes two weeks to kick in whereas long-term kicks in at 90 days (7 weeks or 35 sick days but probably less since there's holidays). Unless you get sick a lot you should have 35 days banked after four or five years.

Disregard the math above, massive calculation errors. Should be 13 weeks / 55 sick days minus holidays. I still don't get the ST disability though because it's easy enough to bank enough leave + sick time that it's not worth paying a few hundred dollars a month for ST disability.

[Anonymous]

Hello,
I am an independent insurance agent who specializes in disability insurance for federal and postal employees. Please contact me at: 717-891-3216. Sincerely, Kris

[Anonymous]

I looked into this years ago and found that while some companies offer individual STD plans, the premiums you pay into it for a year equal the pay out you would get for your 6 weeks of STD on maternity so it didn't really make sense to bother with the paperwork. Instead you could just set aside the amount you would have paid in premiums in a separate savings account and then pay yourself when the time comes.

[Anonymous]

All of this would be unnecessary if the FED employees and women in General were more vocal about the need for paid maternity leave or caregiver benefits in this country. Raise your voice! We have gay rights but no paid maternity leaves and are left scrambling. We shouldn't take this abuse anymore.