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If you are a Professional and you have or need private disability, please download our Brochure. Download Brochure

If you are a Medical Professional and you want more information on how to help disabled patients, please download our Brochure. Download Brochure

If you are a Federal employee and need information on disability retirement annuities, download this brochure. Download Brochure

If you work for New York City or New York State and need information on disability benefits, download this brochure. Download Brochure

If you are a New York State teacher, and you need disability information, download this brochure. Download Brochure

If you have an Employer-Sponsored Disability Plan (ERISA), and you need more information, download this brochure.Download Brochure

• FERS Question of the Week

  QUESTION: How is my high-3 salary calculated?

  ANSWER: Remember that your high-3 salary is calculated upon your base salary, alone. To figure it out, take the average of your highest base pay for any three years of consecutive service. While your highest base pay usually falls in your last three working years, it may be that you earned a higher salary at an earlier period in your federal career. If this is the case, your high-3 will be based upon that higher number.

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• DB Disability Blog

  • Why Disabled Clients Should Worry About "Independent" (Insurance) Medical Exams (IME's) February 4, 2012
    If you become disabled, one of the things the insurance carrier may demand is that you submit to an Independent Medical Exam, or IME. Most people assume that this examination is impartial because the word independent is used in the title. However, that could not be further from the truth. In fact, it would be a lot more accurate to call the exam an Insurance […]