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.

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Protect your income

Protect your family

Cover gaps in health insurance

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 01

Accident & Disability Insurance

Cash benefit for covered accidents, on or off the job
Monthly income if you're out of work with a covered injury — no waiting period
One policy, one premium, no separate application
Add your spouse and dependent children for Accident coverage
Simplified issue — no medical exam

Learn more →

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.

Talk to a licensed agent

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

Apply in about 5 minutes

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

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

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 up to $75,000 — never expires, builds 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. Up to $75,000, coverage is guaranteed issue — no medical questions at all. Above $75,000, we ask a short set of health questions. Either way there's 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.

Yes. Most full-time and part-time postal employees are eligible, career or non-career. This matters because non-career postal employees aren't eligible for FEGLI at all — if you're a PSE, CCA, RCA or MHA, you likely have no employer life coverage right now.

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.