Plan 01

Accident & Disability Insurance

One policy, one premium: a cash benefit for covered accidents, plus monthly income if you're out of work — with no waiting period. Add your spouse and dependent children for Accident coverage too.

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Disability benefits

If a covered injury keeps you out of work, this benefit is built to start paying right away — not after weeks of waiting. This is the employee-only side of your policy; it doesn't extend to dependents.

No waiting period. Your benefit can begin as soon as you're out of work with a covered injury.
24/7/365 coverage, on and off the job.
Choose the benefit amount you need. You pick the monthly amount when you enroll.
Benefits are paid to you — to use as you need, with no restriction on how it's spent.
Waiver of premium while you're disabled.
Physician's office benefit included.
Pays up to 12 months per injury, and your policy doesn't cancel if you're injured.

Good to know

One policy, one premium — Accident and Disability together
No waiting period on the Disability benefit
Premiums deducted automatically through PostalEase
Coverage is portable if you leave USPS

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Included With Your Policy

Accident insurance benefits

This plan pays a cash benefit two ways — for the event that brought you in, and for the specific injury you're treated for. That money is yours to use however you need it: co-pays, gas, rent, or the mortgage. Add your spouse and dependent children for Accident coverage too.

Payments for each event

Hospital confinement
Emergency room services
Ambulance
Medical imaging
...and more

Payments for specific injuries

Broken bones
Lacerations
Surgery
...and more

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 Accident & Disability policy fills them.

Where Union Plans Fall Short

How Postal Benefits Plan Bridges It

Short-term disability doesn't begin until 30 days after the injury

No waiting period — benefit available from day one

Long-term disability requires a separate 12-month-later enrollment

One policy — no gap to manage between short- and long-term

AD&D pays only on death or dismemberment — not everyday injuries

Cash payments for events (hospital confinement, ER, ambulance, imaging) and specific injuries (fractures, lacerations, surgery)

No mention of premiums continuing to be owed while you're out

Waiver of premium while you're disabled

No routine-care benefit

Physician's office benefit included

Coverage can be reduced or dropped after you file a claim

Pays up to 12 months per injury, and your policy doesn't cancel if you're injured

Restricted to dues-paying APWU members

Available to every USPS employee