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Long Term Disability Insurance

FEDERAL FIRST Long Term Disability (LTD) Insurance underwritten by MetLife pays you a portion of your income due to sickness, pregnancy or injury. The Federal First program allows you to choose a monthly benefit of 50% to 70% of monthly pre-disability earnings, depending on the policy. This exclusive benefit helps prevent the debt a prolonged illness or injury can bring to you and your family. With the Federal First LTD program, you are not required to use all of your leave before receiving benefits. You can pick an option that will pay you after 30 days of disability.

Option 30
Option 60
Option 90
Covers 50% of your most recently reported monthly salary
Covers 60% of your most recently reported monthly salary
Covers 70% of your most recently reported monthly salary
Maximum monthly benefit is $3,500
Maximum monthly benefit is $5,000
Maximum monthly benefit is $10,000
Minimum monthly benefit is $100
Minimum monthly benefit is $100
Minimum monthly benefit is $100
Benefit payments begin after you are unable to work for 30 days (the elimination period) due to your disability
Benefit payments begin after you are unable to work for 60 days (the elimination period) due to your disability
Benefit payments begin after you are unable to work for 90 days (the elimination period) due to your disability


Eligibility
You are eligible to enroll for the FEDERAL FIRST Long Term Disability Insurance Program if you are a regular active, benefited full-time employee of the Federal Judiciary, Department of Justice (effective March 1, 2011), or Veterans Affairs (effective March 1, 2011) working 20 or more hours per week during your employer’s work week

Eligibility Waiting Period
There is no eligibility waiting period. You are eligible to enroll for coverage as of the day you meet the definition of an eligible employee.

Click on the link to learn how to enroll in FEDERAL FIRST Long Term Disability Insurance.
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