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Because of a lapse in government funding, the information on this website may not be up to date, transactions submitted via the website may not be processed, and the agency may not be able to respond to inquiries until appropriations are enacted.

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Updates regarding government operating status and resumption of normal operations can be found at opm.gov.

disability insurance

(dih-suh-BIH-lih-tee in-SHOOR-ents)
An insurance plan that pays some of a person’s income when he or she is disabled from an illness or injury and cannot work. The two main types of disability insurance are short-term disability (STD) and long-term disability (LTD). STD may last for up to 2 years. LTD usually begins after STD ends and may last for a person’s lifetime.
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