Simplified Issue
Short/Long Term Disability Insurance

Read these Health Questions to see if you qualify for a Simplified Issue Short Term Policy.

For Our Simplified issue disability polices, we use Humana Specialty Benefits.

Below are the short term disability rates federal employees; benefit coverage for one or two years, waiting period for accidents starting from (0 day) day one to a (90 day) ninety day wait. Sickness coverage starting from (14 day) fourteen day waits to (90 day) ninety day wait. If you have questions on waiting periods (elimination period), read our disability questions.