Eligibility

Full or part-time Federal Employees are eligible for Wright USA’s Disability Income Insurance Protection Plan regardless of their length of service time.

Exclusions

This plan is currently closed to California and New York residents.

Intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane.

Any Total Disability caused by pregnancy or childbirth, except: pregnancy that had its inception while you were covered under the policy; and the Total Disability is caused by, or contributed to, by the results of a complication of pregnancy.

Total Disability caused, or contributed to, by war or any act of war, except with respect to you, in the line of duty ("War" means declared or undeclared war and includes resistance to armed aggression.)

Injury sustained while riding on, boarding or alighting from, any aircraft: as pilot, crew member or student pilot, unless the Insured Person is flying on his or her Employer’s business in an aircraft certified as airworthy by the appropriate authority; the commission or attempted commission of a felony by you.

Any period of Total Disability during which you are not under the direct care and treatment of a licensed Physician; or any sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

Abilities Plus Benefit is not available to residents in FL, IN, LA, MD, NY and Utah.

Limitations

Successive Periods of Disability: Periods of Disability due to the same or related medical causes and separated by less than 6 months during which you are Actively-at-Work will be considered one Period of Disability.

Concurrent Disabilities: Benefits during any Period of Disability as the result of: more than one sickness; or more than one accident; or both sickness and accident will be considered the same as if the disability resulted from only one cause.

Period of Disability means a continuous length of time during which you are disabled under this plan.

During the first year of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-Existing condition means any injury or sickness including pregnancy: diagnosed or undiagnosed, for which you have received medical care within the 12 month period prior to your coverage effective date or date of an increase in coverage. During that time, benefits for all other accidents are illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over.

If you are Totally Disabled due to Mental or Nervous Disorders, alcoholism, or drug abuse, the Maximum Payment Period will be reduced to 2 years during your lifetime unless you are confined in a hospital or other institution licensed to provide care and treatment for that disability.

Your coverage ceases when the Master Policy is no longer in force, when you cease to be Actively-at-Work except due to disability covered by the policy, premiums are not paid, or you are no longer an employee with the Federal Government. Basic Monthly Insured Salary means your regular monthly rate of pay including Administratively Uncontrollable Overtime (AUO) or Availability Pay, but not counting commissions, bonuses, other overtime pay or any fringe benefit or extra compensation, in effect on the last day of active employment prior to becoming Disabled, and upon which the required premium has been paid. If your rate of pay changes, your benefit amount will be adjusted on the premium due date you pay the premium applicable to the new rate of pay and benefit amount. Total Disability- If you become Totally Disabled as the result of an Injury or Sickness while covered under the Policy, we will pay the Monthly Benefit Amount due for the period of Total Disability. The period of Total Disability must require the regular care of a physician.

Special Provisions

The Plan has an Offset Provision which means benefits payable as a result of your disability will be the lesser of the monthly benefit amount or the monthly benefit Amount minus any other income benefits. However, if your monthly benefit amount would reduce to less than $200 per month due to other income Benefits, then the minimum Monthly Benefit Amount under this benefit will be $200 per month.

Note: Information provided above explains the general purpose of the insurance, but in no way changes/affects the policy as actually issued. In the event of a discrepancy between this website and the policy, terms of the policy apply. All benefits are subject to terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, benefit reductions and terms under which policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) and Special Agents Trust for Insurance (SATI) are group policyholders of this insurance program. Both organizations make available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Wright USA acts as the program administrator for both CSEBA and SATI.