For USPS Employees & Their Families

Your route doesn't stop for a doctor's note. Your paycheck shouldn't either.

Accident, short-term disability, and life coverage built for full-time and part-time postal employees — no health exam, and payable right through PostalEase. About five minutes to apply.

Protect your income
Protect your family
Cover gaps in health insurance
A-Rated
Underwritten by an A-rated national carrier
No Exam
Simplified-issue underwriting
~5 min
Average application time
100%
Payroll-deductible via PostalEase
The Lineup

Two plans. One paycheck to protect.

Every plan below is structured for postal work specifically — on-duty and off-duty, career and non-career.

Plan 02

Life Insurance

  • Permanent coverage that lasts as long as premiums are paid
  • Cash value grows tax-deferred, guaranteed never below 3%
  • Portable — keep it if you leave USPS or retire
Learn more →
Getting Covered

From "tell me more" to enrolled — in one short call.

01

Talk to a licensed agent

A real person walks you through coverage amounts and cost — not a script, not a lead-resale form.

02

Apply in about 5 minutes

Simplified issue means no exam, no blood draw, no waiting on records.

03

Pay through PostalEase

Premiums come out of your paycheck automatically once your allotment is set up — nothing to remember to pay.

Why This Matters

Health insurance covers the hospital. It doesn't cover your mortgage.

A twisted knee on the workroom floor or a fall off the porch on your day off can both sideline you for weeks. Health insurance pays the doctor. It doesn't replace the paycheck you stop earning while you're out.

  • 01Accident insurance pays a lump-sum cash benefit for the injury itself — usable for anything, from co-pays to groceries.
  • 02Disability income replaces part of your paycheck every month you're out — with no waiting period before it starts.
  • 03Neither requires you to be hurt on the clock — coverage applies on and off the job.

The gap a paycheck leaves behind

High $0 THE GAP bills owed, no income coming in
Your bills & expenses Income with coverage Income without coverage

Illustrative example only. Actual benefit amounts depend on the plan and elections you choose.

The Comparison

How we stack up against union voluntary benefits

Many APWU members already have a union-sponsored voluntary benefits plan. Here's where it leaves gaps — and how our plan fills them.

Where Union Plans Fall Short
How Postal Benefits Plan Bridges It
Only available to dues-paying APWU members — excludes NALC carriers, other crafts, non-union employees, and management
Open to every USPS employee, regardless of craft or union status
Disability benefit doesn't start until 30 days after you're out of work
No waiting period — coverage starts immediately
AD&D only pays on accidental death or dismemberment
Cash benefits for everyday accidents — ER visits, fractures, lacerations, surgery, and more
Life insurance is term — can expire or get more expensive with age
Guaranteed-issue permanent life insurance that never expires, with cash value
Enrollment is mail-in, self-service, no one to ask questions
1:1 licensed agent — no forms to mail
Questions

Straight answers, no fine-print hunt

No. These plans use simplified issue underwriting — a short set of health questions, no exam, no blood draw, and no medical records review in most cases.

Yes. Accident and disability coverage applies to covered injuries whether they happen on your route or on your day off, subject to the policy's terms, limitations, and exclusions.

Most full-time and part-time postal employees are eligible.

Once you enroll, we help you set up an allotment in PostalEase so your premium is deducted automatically from your paycheck — no bills to remember, no separate bank draft.

No. Postal Benefits Plan is an independent, privately owned insurance agency. We are not part of, affiliated with, or endorsed by the United States Postal Service. Plans are simply designed for and marketed to postal employees.

Ready to protect your paycheck?

Two minutes of information gets you a callback from a licensed agent — not a form that resells your info.

Get My Free Quote