Introduction of the Federal Employee Short-Term Disability Insurance Act of 2026

Floor Speech

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Ms. NORTON. Mr. Speaker, today, I introduce the Federal Employee Short-Term Disability Insurance Act of 2026, which would make short- term disability insurance available to federal employees. Employees would be responsible for 100 percent of the premiums and would receive benefits for up to one year. Insurance companies would be prohibited from excluding federal employees, or charging them higher premiums, based on preexisting conditions. Many privatesector employers make available disability insurance to their employees.

I began examining how we could provide federal employees with short- term disability insurance at group rates and with guaranteed coverage after learning that many of them buy such insurance in the individual market, which can have high premiums and exclude those with preexisting conditions. Although federal employees have good health insurance, health insurance benefits do not replace lost income. Moreover, while federal employees may have available sick or annual leave, they may not have enough such leave to pay the bills if they cannot work for an extended period, such as following surgery. Although the federal government provides disability benefits to federal employees who become permanently disabled, federal employees do not qualify for these benefits until they have worked for the federal government for at least 18 months. The Office of Personnel Management would contract with insurance companies to provide short-term disability insurance.

According to the Social Security Administration, a 20-year-old worker has a one-in-four chance of becoming disabled by retirement age. The majority of disabilities are not caused by major accidents, but by injuries or illnesses, according to the Council for Disability Awareness.

I urge my colleagues to support this bill.

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