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Group Short-Term Disability Insurance

Many federal employees are surprised to learn their work benefits don’t include short-term disability coverage. A temporary illness or injury, such as a broken hand or concussion, could keep you out of work — stopping your paycheck immediately. With WAEPA Group Short-Term Disability Insurance, you can continue to receive a paycheck for up to six months during recovery.

Understanding Group Short-Term Disability Insurance

A Steady Income, Even if You Can’t Work

WAEPA members can apply for benefits up to $6,500 a month to help replace income while recovering from a short-term disability, limited to up to 60% of your average monthly income. This supplemental income could create a safety net for you and your family.

Available Exclusively For Feds, By Feds

This valuable protection is reserved for Civilian Federal Employees between the ages of 18 and 69 who are actively working at least 30 hours a week.

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Valuable Product Benefits

Up to $6,500 in Monthly Benefits

Receive a fixed monthly income if a covered
disability keeps you from working. Apply for
benefits from $100 to $6,500 in $100

Choice of Waiting Period

You decide when coverage begins. When you
apply, you have the option of choosing a 14 or 30-day waiting period to start receiving your disability income benefits.

Tax-Free Benefits

Benefits are paid directly to you, and are usable as you see fit. And, as long as you pay the monthly premiums yourself, benefits are tax-free**.

Competitive Rates

Below are current sample rates for various age bands and genders.
Calculate your personalized short-term disability income insurance rate.

Income Protection When You Need It

Create paycheck protection for you and your loved ones.

Apply Today

New York Life — the Company Behind the Coverage

We selected New York Life Insurance Company to develop this exclusive protection for our members — and with good reason. For more than 175 years, American families have trusted New York Life to protect the financial future of those they love. It’s a company you can rely on.

New York Life has earned the highest ratings currently awarded to any life insurer for financial strength from all four major rating agencies:  That includes A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). Ratings as of 10/15/20.


Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy form GMR-FACE/G-30281-0

* ”Disability Statistics”, Council for Disability Awareness, 2018.

** Consult a tax advisor for details around tax free disability benefits.

***Benefits cannot exceed 60% of your average monthly income when combined with all other income benefits you receive from any other source. See other income benefits provision for more details. Consult a tax advisor for details around tax free disability benefits.

****STDI is not currently available in: LA, MO, NV, WA NH, VT, all US Territories including Puerto Rico, Guam, US Virgin Islands, etc.