Benefits for Federal Employees and their families
DISABILITY, LIFE, LONG TERM CARE, CANCER, HOSPITAL, CRITICAL ILLNESS
SERVING OUR FEDERAL, USPS, MILITARY AND CIVILIAN POPULATION SINCE 2009
THE TIME TO CONTACT US IS BEFORE YOU NEED US!
About Us
Federal Employees
Discount Benefits
Types of Insurance
We currently insure and service over 25,000 federal employees and their families. We work with "all" federal departments including USPS and military employees. We have exclusive agreements in place with many carriers to provide you with benefits you can only get through our brokerage. This ensures that you get the most cost-effective cove
We currently insure and service over 25,000 federal employees and their families. We work with "all" federal departments including USPS and military employees. We have exclusive agreements in place with many carriers to provide you with benefits you can only get through our brokerage. This ensures that you get the most cost-effective coverage with a top rated company. Ask us about our disability insurance that offers "guaranteed coverage" to "any" federal employee. You can't be turned down for coverage due to your medical history or current medical conditions!
Types of Insurance
Discount Benefits
Types of Insurance
Disability Income Protection
Life Insurance
Long Term Care
Hospitalization Coverage
Maternity Packages
Cancer and Critical Illness Plans
Accident Insurance
Dental Insurance
Vision Insurance
Discount Benefits
Discount Benefits
Discount Benefits
Tele-Medicine (MeMD)
Illness or injury can strike suddenly. For less than $12/month, MeMD allows you and your family access to medical help via telephone or web, any time, day or night. (With no per visit fees). Access our national network of US-licensed, board-certified medical providers. You’ll receive a diagnosis and personalized tre
Tele-Medicine (MeMD)
Illness or injury can strike suddenly. For less than $12/month, MeMD allows you and your family access to medical help via telephone or web, any time, day or night. (With no per visit fees). Access our national network of US-licensed, board-certified medical providers. You’ll receive a diagnosis and personalized treatment plan, including prescriptions* for common conditions when medically necessary. MeMD can help when your regular doctor is not available, when travel is difficult, or after-hours.
*Prescriptions cannot be written for controlled substances or elective medications.
Multiple benefit packages to select from!
Attention USPS Employees!
Guaranteed Coverage Disability Insurance is available to USPS employees!
203.535.0914 (8:00 AM to 8:00 PM EST)
Payroll Deducted! Enroll over the phone in just a few minutes!
Highlights of the coverage include:
Guaranteed coverage up to $2000/month with no underwriting
(with income verification)
Monthly disability benefits from $2000 to $5000/month available with underwriting
Pays in addition to any other insurance or paid time off
Includes coverage for on the job injuries
(Pays in addition to workers compensation)
Coverage for Maternity! *
Policy may be continued if employee changes jobs
Guaranteed renewable to age 70
One rate regardless of age or sex
Pre-existing conditions covered after 12 months
*Disability benefit due to child birth is available if the inception of the pregnancy occurs after the coverage effective date and coverage remains in full force.
Brief description of coverages
Disability Income Protection
For most people, a temporary loss of income could have long-term financial consequences. Disability insurance policies help people avoid the hardship of medical bills and lost income. Disability coverage provides a monthly benefit amount when you're disabled and unable to work due to injury, illness surgery or even maternity.
Life Insurance
People know they should have it, but it’s a difficult conversation to have with their family and loved ones. If something happens, will your family have the funds to pay the bills, final expenses or maintain the household? Life insurance policies are designed to help families get through the tough times. (Ask us about return of premium life insurance which refunds all of your money if you don't use the policy).
Hospitalization Plans
Hospital-related expenses are at an all time high. Even a quick trip to the hospital can result in out of pocket costs and have a negative impact on everyday life. Hospitalization plans typically pay a lump sum for the confinement as well as benefits that can include ER visits, physician visits, medical imaging and more.
Maternity Packages
In the last 10 years, we've helped hundreds of families prepare for the financial challenges that can be associated with growing your family. Unpaid time off and out of pocket medical costs are typically the most frequent challenges that people face. Let us set up a maternity package for you to ensure you receive the most benefit . These insurance plans pay in addition to any other insurance or paid time off so let us help you plan to grow your family and maximize your benefits.
Cancer and Critical Illness
Whether it's cancer, heart disease or a number of other critical illnesses, we have plans that cover these specific medical events to help minimize out of pocket related costs and lost income.
Accident Coverage
Accident insurance plans help with the unexpected out-of-pocket costs that can hurt the family budget when injury occurs. Typical benefits covered on these plans can include ER visits, hospitalization, physical therapy, follow up visits, ambulance travel and much more.
Our Carriers
Companies We Represent
Our family
Frank & JoAnn Ottens
Frank began his insurance career in 2009 after more than 20 years years in corporate finance and accounting. As the business grew, JoAnn came on board in 2013 to become the partner of this family business. Their office currently represents over 10,000 policyholders and their families. Their business focuses on servicing their clients while building long-lasting relationships with their policyholders. As an independent agency, they have access to dozens of top-rated insurance carriers which compete for your business. This approach will ensure you have the most cost-effective coverage with a top-rated insurance carrier. We feel that the choice you make for your coverage should be based on your needs, your budget (and most importantly) the service you receive. "Our clients can feel confident that we'll be here for them when they need us to answer their questions, process their claims and help them find the best coverage" Frank H Ottens Sr.