Jump to main content

Group Short-Term Disability Insurance

Protect Your Paycheck

Group Short-Term Disability Insurance protects your income when you can’t work due to eligible illnesses or injuries.

Apply Now

Did you know that your federal employee benefits don’t include short-term disability coverage? With WAEPA Group Short-Term Disability Insurance, you can continue to receive a paycheck for up to six months during recovery from a temporary illness or injury.

Understanding Group Short-Term Disability Insurance

Why do I need short-term disability insurance?

If you have a temporary illness or injury that could keep you out of work, short-term disability insurance will cover your paycheck for up to six months.

A Steady Income, Even if You Can’t Work

As a WAEPA member, you can apply for benefits up to $6,500 a month to help replace your income while recovering from a short-term disability. This is limited to up to 60% of your average monthly income. The supplemental income will 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 65 who are actively working at least 30 hours a week.

View Frequently Asked Questions (FAQs)
Download Product Brochure

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

Decide When Coverage Begins

Choose a 14 or 30-day elimination period when you apply, and you only have to wait 14 or 30-days after being disabled before benefits are paid out.

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**.

Calculate Your Rate

Calculate your Short-Term Disability Income Insurance rate using the calculator below or download the Schedule of Benefits and Current Premium Rates brochure for complete premium rate information broken down by age group, gender, benefit amount, elimination period and payment frequency.

Income Protection When You Need It

Create paycheck protection for you and your loved ones.

Apply Today

Reliably Backed by New York Life Insurance

We’ve worked with New York Life Insurance Company to develop our 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 received the highest financial strength ratings currently awarded to any U.S. life insurer*. 


A.M Best


Fitch Ratings


Moody’s Investors Service


Standard & Poor’s

*Third Party Rating Reports as of 6/22/2022.

Frequently Asked Questions

What is group short-term disability income insurance?

This is protection that pays you a fixed monthly benefit, if a covered illness or injury keeps you out of work for up to six months. Coverage is issued by an insurance carrier (New York Life Insurance Company) to a policyholder (WAEPA) for the purpose of insuring the policyholder’s members. The economies of scale provide for competitive premiums.

Who is eligible to apply for this coverage?

This protection is reserved for eligible Civilian Federal Employees between the ages of 18 and 65 who are actively working at least 30 hours a week. Eligible spouses of Civilian Federal Employees may also apply for coverage as a WAEPA Associate Member.

How do I apply?

It’s easy. You can apply online in a few short minutes. In some cases, a medical exam and/or copies of medical records may be required. Is so, the exam will be performed by a medical examiner appointed by our insurance underwriter, New York Life Insurance Company, at no charge to you. We also cover the cost of obtaining copies of your records. It may take up to eight weeks to complete the application process and receive your Certificate of Insurance.

How much coverage is available to me?

You can choose a monthly benefit amount from $100 to $6,500 a month in increments of $100. This amount can’t be more than 60% of your average monthly income when combined with the benefits you receive from any other source.

How long does coverage last?

You can collect benefits for up to six months.

How soon can I collect benefits?

Benefits can begin after either 14 or 30 days. You decide the elimination period that’s right for you.

Is Short-Term Disability Insurance portable if I leave federal service?

Yes, provided they are transitioning to a job actively working at least 30 hours per week and will have a W-2 from the new job. You may want to consider if your current coverage amount will still be applicable and confirm if you will have an STDI policy through your new job to prevent being over or under-covered, or duplicating benefits with your new employer.

What is an elimination period?

The time period that begins when a disability first occurs and ends when you become eligible for benefit payments.


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

* “10 Must-Know Statistics About Disability”, TMI Insurance Trust, 2015.

** 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: NV, OR, NH, VT, all US Territories including Puerto Rico, Guam, US Virgin Islands, etc.

*****Louisiana residents please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.

******Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.