MR Insurance Consultants Explains the Importance of Why Federal Workers Should Review Their Disability Benefits Early in Their Employment

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Although most Federal government employees are provided benefits for disability retirement through the Federal Employees Retirement System, many are unaware of the exact details and requirements surrounding this coverage, which may lead to a false sense of security.

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Not only is there a gap within the first 18-months of service, but even subsequently, FERS disability retirement benefits do not provide adequate income protection for Federal employees.

MR Insurance Consultants is encouraging Federal employees to get informed about their disability income protection during the first few weeks of beginning Federal work. As found by visiting, a new employee is only eligible for FERS disability retirement benefit after completing eighteen months of civilian service. Therefore, if a Federal employee does not currently have or seek their own disability insurance policy, he/she may be susceptible to tremendous financial risk for disability.

Federal employees can review detailed information about the disability retirement benefits provided under FERS by visiting the OPM (Office of Personnel Management) website. Additionally, Federal employees can visit Federal employee disability insurance to review information regarding supplemental disability insurance options that can be used to protect against the gaps within the FERS program.

“Not only is there a gap within the first 18-months of service, but even subsequently, FERS disability benefits do not provide adequate income protection for Federal employees”, says Michael Relvas, founder of MR Insurance Consultants. Following the benefit calculations provided by the OPM website, a Federal employee who suffers a long-term disability will be provided 60% income replacement during the first 12-months and only 40% for all subsequent years.

Michael Relvas, is a CERTIFIED FINANCIAL PLANNER™ professional and also the founder of MR Insurance Consultants - the creator of the “Physicians Disability Insurance Buyer’s Guide”.

Michael L. Relvas, CFP® is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 1355 Piccard Drive, Suite 380, Rockville MD 20850. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 240-683-9700.
Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. MR Insurance Consultants is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

The views and opinions expressed herein are solely that of the author and do not represent the views and opinions of The Guardian Life Insurance Company of America or its subsidiaries.

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.


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