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Disability Insurance

Because peace of mind is priceless

Our disability coverage can bring you precious peace of mind by helping you cover your regular living expenses such as mortgage or rent, groceries, or transportation costs, if you are unable to work for several weeks or months, but are not permanently disabled. If you are new to Federal service or if you have less than two years of sick leave, we highly recommend considering disability plan coverage. You can enroll at any time. 

Cigna Disability 30-Day Plan

Up to $5,000 per month after 30-day waiting period

The CIGNA 30-Day plan offers comprehensive disability insurance after a 30-day waiting (elimination) period. No health application required.

Use the calculator below to see what your yearly premium and monthly benefit will be


Monthly Benefit Amount:
Annual Premium:

Cigna Disability 90-Day Plan

Up to $7,500 per month after 90-day waiting period

The CIGNA 90-day disability plan accommodates a greater range of salaries at a lower premium. It offers a higher maximum monthly benefit (up to $7,500 a month). No health application required.

Use the calculator below to see what your yearly premium and monthly benefit will be


Monthly Benefit Amount:
Annual Premium:

Recent Blog Posts

Foreign Service Benefit Plan

2025 FSBP Open Season – Benefit Enhancements, Changes, and Webinars

Open Season started Monday, November 11th and it is already in full swing! You have until December 9th to make changes to your health insurance, dental and vision insurance, and FSAFEDS program. If you’re content with your health, dental/vision insurance, there is no action needed on your end. For the FSAFEDS program, you do have to re-enroll every year. Keep reading to learn about the new changes and added benefits to the Foreign Service Benefit Plan.

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