Accident Plans for Federal Employees: Are You Covered?

Why Federal Employees Need Accident Coverage

You already know, accidents can happen anytime. A simple slip or fall could put you out of work for weeks. For federal employees, missing work means lost income. This is why accident plans for federal employees are so important.

Your Federal Employee Health Benefits (FEHB) plan covers medical bills, but it may not replace lost income. That’s where accident insurance comes in. It helps cover expenses while you recover.

What Does an Accident Plan Cover?

An accident insurance plan gives you money when you get hurt. Here’s what it usually covers:

• Emergency room visits – If you break a bone or get injured, this helps with costs.
• Hospital stays – Covers expenses if you are admitted for treatment.
• Medical tests and X-rays – Helps pay for necessary tests.
• Lost wages – Some plans offer cash benefits to make up for missed work.
• Rehabilitation – Helps with physical therapy and recovery.
• Who Can Get an Accident Plan?

Federal employees at all levels can apply for accident coverage. If you work in the USPS, TSA, VA, or any other federal agency, you can protect yourself with an accident plan.

Even if you already have health insurance, these plans pay you directly. That means you can use the money however you need—whether for medical bills, rent, or groceries.

How Much Does It Cost?

Plans are affordable. Depending on the coverage, you may only pay a few dollars per paycheck. The cost depends on:

• Your age – Younger employees usually pay less.
• The type of coverage – More benefits mean higher premiums.
• Family plans vs. individual plans – Covering your family costs more but adds protection for loved ones.

How Do You Sign Up?

Many accident plans are available through federal employee benefit programs. You can also get private accident insurance from trusted providers.

Here are your options:

🔹 FEHB Supplemental Plans – Some FEHB providers offer accident coverage as an add-on. Check with your provider.
🔹 Private Insurance Providers – Many companies offer accident plans for federal workers. Research the best option.
🔹 Workplace Benefits Programs – Some agencies offer group accident insurance plans at discounted rates.

Real-Life Example: Why Accident Plans Matter

Sarah, a federal postal worker, slipped on ice while delivering mail. She broke her wrist and had to take time off. Her health insurance covered hospital bills, but she still needed money for rent and groceries.

Luckily, Sarah had an accident insurance plan. It paid her $1,500 in cash to help with expenses while she recovered. Without it, she would have struggled financially.

Why You Shouldn’t Wait

Accidents don’t wait. One bad fall or unexpected injury could cost you weeks of lost pay. Most accident plans have no waiting period, so coverage starts quickly.

Take Action Now

✅ Check your current benefits. Does your FEHB plan offer accident coverage?
✅ Compare plans. Look for affordable options with strong benefits.
✅ Sign up today. Protect yourself and your paycheck.

Where to Learn More

For more details on accident plans for federal employees, visit The National Association for Employee Benefits.

Take the first step today. Visit the Postal Disability Coverage website or contact The Benefit Coordinators to learn more about your options.