Federal Employee Short Term Disability

The question we are most often asked is HOW MUCH? Well, the general answer is below. Specific prices can be answered at the next step.

However; the big question is not the cost but rather the LOSS. Most families cannot exist with the suspension of a paycheck for one, two, three, or more months.

If you do not have a short-term disability policy, you need one desperately.

Benefit Amount

Postal Service


$600 monthly

$17.42 biweekly

$13.76 biweekly

$1,000 monthly

$29.03 biweekly

$22.94 biweekly

$1,500 monthly

$43.55 biweekly

$22.94 biweekly

$2,000 monthly

$58.06 biweekly

$45.88 biweekly

$2,500 monthly

$72.69 biweekly

$57.35 biweekly

$3,000 monthly

$87.09 biweekly

$68.32 biweekly

NOTE: Other monthly amounts available. The rates quoted are for 30 day elimination period.

Short-term disability insurance pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). A typical short-term disability insurance policy provides you with 60 to 70 percent of your pre-disability base salary.

The National Association of Insurance Commissioners estimates that these benefits generally last many months. Short-term disability insurance policies place a “cap,” meaning you receive a maximum benefit amount per month. Short-term disability insurance policies also have a limit on the amount of time you can receive benefits — up to two years.

Federal short-term disability insurance, which is often purchased while working as a Postal Service or Federal employee, can be paid by payroll deduction. Some products offered by The Benefit Coordinators are Group short-term disability insurance policies offered on a “guaranteed issue” basis, meaning you do not have to take a medical exam to buy coverage.

Did You Know?

Short-Term Disability can fill the gap between the injury and when Worker’s Compensation begins.

The Benefit Coordinators offers Short-Term Disability programs ranging from 2 weeks to 104 weeks of benefits.

It is the federal employees responsibility to enroll in their own short-term disability program.

No, short-term disability is not a core benefit. However, employees do have access to Worker’s Compensation.

From private insurance carriers, employees are eligible if they work more than 30 hours per week.