If you are a carrier or a clerk or do any sort of lifting as a USPS employee, disability insurance can be very important. We wanted to take a few minutes to explain how the waiting periods work when it comes to postal disability insurance.
The waiting period for a disability policy is the amount of time you have to be out of work due to the injury or illness BEFORE you can file a claim. Waiting periods can be as short as 14 days and as long as 90 days depending on the plan. It is important that you evaluate your sick-leave balance and vacation time before you choose a waiting period.
We get the question all the time, “Can I get a plan without a waiting period?” and the answer is no. If you could find a plan with no waiting period, it would be so expensive no one could afford it. Our plans at www.postallifeanddisabilityplans.com are either 14 or 30 days.
Just because you have to wait 14 or 30 days to file your claim doesn’t mean you can’t get a lot done during the waiting period. We can get you the paperwork you need as soon as you realize you will be out of work. During that period, you can start filling out the sections you need to complete and you can also get that those forms to your Doctor and supervisor as well. This gives them time to complete what you need without you having to rush them.
Disability insurance is very important for postal employees. We are here to help with any and all your questions. No matter if you are full-time or part-time, we can help any of you with your disability insurance needs.