The Introduction of the Federal Employee Short-Term Disability Insurance Act of 2013

Floor Speech

Ms. NORTON. Mr. Speaker, today, as many our federal workers face furloughs and a third year of pay freezes, I introduce the Federal Employee Short-Term Disability Insurance Act of 2013, which will help provide some financial relief for federal employees who suffer a short-term injury or disability. This bill will offer federal employees short-term disability insurance at no cost to the federal government. Employees will be responsible for 100 percent of the premiums. If federal employees elect to purchase the short-term insurance provided for in my bill, and they become injured or ill because of a non-work-related injury or illness, they will be able to collect disability insurance benefits, for up to one year, to replace a portion of their lost income.

I decided to investigate how we could provide short-term disability insurance to federal employees after learning that many of them already buy short-term disability insurance as individuals in the private market at high rates. Although federal employees have good health insurance, federal health benefits do not replace lost income if employees are unable to work. And, while federal employees may have available sick or annual leave days, they may not have enough such days if they have to be out of work for an extended period of time. Moreover, although there are long-term disability options for federal employees who become permanently disabled, federal employees do not qualify for such benefits if they have not worked for at least 18 months. My bill does no more than put federal employees in the same position as their private sector counterparts, who have access to disability insurance through their employers at group rates. The bill will not allow participating insurance companies to exclude persons based on pre-existing conditions. And, because of the federal government's purchasing power, the bill will provide all of these benefits at a more competitive rate than is available if an employee sought such insurance as an individual.

According to the Social Security Administration, studies indicate that 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 conditions or illnesses, such as cancer or back injuries, according to the Council for Disability Awareness.

I strongly urge my colleagues to support this bill.

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