FEDERAL FIRST’s Long Term Disability (LTD) Program
Underwritten by Aetna Life Insurance Company (Aetna)

Protect your most important assets – your paycheck … your pension … your future

Help prevent the severe debt a disabling illness or injury can bring

Mortgage. Rent. Car payment. Tuition. The bills don’t stop just because you can’t work.

If you’re like most people, you have a lot riding on your paycheck. So protect it. Enroll in the FEDERAL FIRST Long-Term Disability (LTD) Insurance Program.¹ It picks up where your Federal Retirement System (FERS) Disability Plan stops. It increases your benefit amount and pays
you faster.

Think it can’t happen to you? Nearly one in five of us will become disabled for a year or more before reaching age 65.² And half of all people who file for bankruptcy do so because of health problems.³ 

Protect yourself and your family. Enroll in the FEDERAL FIRST LTD
Program today!

FEDERAL FIRST's Long Term Disability (LTD) Program is offered as a supplemental insurance benefit.

This is not an official federal program or endorsed by the U.S. government. It is sponsored and endorsed by the Department of Justice Recreation Association (1995), Nurses Organization of the Veterans Affairs (1996), the Treasury Department Recreation Association (2003), and the National Conferenceof Bankruptcy Clerks (2007). It is also endorsed by the Federal Court Clerks Association (FCCA) and the Federal Law Enforcement Officers Association (FLEOA).

FEDERAL FIRST's LTD Program was originally designed by a group of federal personnel specialists and is managed and administered by Arthur J. Gallagher & Co and is underwritten by Aetna Life Insurance Company effective April 1, 2007. The stability of these two strong companies ensures that you and your family's needs can be met.

FEDERAL FIRST’s LTD Program is different than your FERS Disability Retirement.  You’ll be eligible for benefits faster with FEDERAL FIRST LTD. With FERS Disability Retirement, you may have to wait up to a year or longer before benefits kick in. Not with FEDERAL FIRST. You can pick an option that will pay you after just 30, 60 or 90 days of disability. 

(footnotes)
1.The FEDERAL FIRST Long Term Disability Program is not an official federal program
or endorsed by the U.S. government.
2 Life and Heath Insurance Foundation for Education. “Disability Insurance: Who Needs It?” http://www.life-line.org.  Accessed January 16, 2007.
3 David U. Himmelstein, Elizabeth Warren, Deborah Thorne, Steffie Wollhandler. “MarketWatch: Illness and Injury as Contributors to Bankruptcy.” Health Affairs.    February 2, 2005. http://content.healthaffairs.org/cgi/content/full/hlthaff.w5.63/DC1. Accessed January 16, 2007.