Dental


Disability


Vision


Disability Plan

Especially designed for Postal/Federal Employees

  Monthly Benefit
DISABILITY INCOME - Accident* (DICERT)

Pays a Monthly Benefit for Total Disability or Presumptive Disability if you are unable to work due to a covered Injury. Monthly Benefits begin after an elimination Period of 14 or 30 days.** Monthly Benefits continue while your Total Disability lasts or until the end of the Maximum Benefit Period.

 $600
to
$2000
DISABILITY INCOME- Sickness* (DICERT)

Pays a Monthly Benefit for Total Disability or Presumptive Disability if you are unable to work due to a covered Sickness. Monthly Benefits will begin after an elimination period of 14 or 30 days.** Monthly Benefits continue while your Total Disability lasts or until the end of the Maximum Benefit Period.

 $600
to
$2000

*The premium for this policy includes coverage for both Accident and Sickness.
**Elimination period does not apply to Presumptive Disability.

Waiver of Premium

All Premiums that are due after You have been Totally Disabled for 90 consecutive days will be waived for as long as Benefits are payable, at no additional charge (Waiver of Premium not available with 90 day Benefit Period).

  • Pays in addition to any other insurance, 50% if Workers' Compensation or similar law pays.
  • Disability Benefit due to childbirth available if the inception of the pregnancy occurs afterthe Certificate Effective Date and coverage is in full force.
  • Alternate plan available if employee changes jobs.
  • One rate regardless of age or sex.
  • Pre-existing conditions covered after 12 months of coverage,
    (see Limitations)

Disability Plan Features