FEBA Disability Benefits & Coverage Options

Disability Plan

14/14 Elimination – Bi-Weekly

Monthly Benefit

6 Month Plan (Bi-Weekly)

1 Year Plan (Bi-Weekly)

$600

$14.68

$18.59

$700

$17.12

$21.68

$800

$19.57

$24.78

$900

$22.02

$27.88

$1,000

$24.46

$30.98

$1,100

$26.91

$34.07

$1,200

$29.35

$37.17

$1,300

$31.80

$40.27

$1,400

$34.25

$43.37

$1,500

$36.69

$46.46

$1,600

$39.14

$49.56

$1,700

$41.58

$52.66

$1,800

$44.03

$55.76

$1,900

$46.48

$58.85

$2,000

$48.92

$61.95

$2,100

$51.37

$65.05

$2,200

$53.81

$68.15

$2,300

$56.26

$71.24

$2,400

$58.71

$74.34

$2,500

$61.15

$77.44

$2,600

$63.60

$80.54

$2,700

$66.04

$83.63

$2,800

$68.49

$86.73

$2,900

$70.94

$89.83

$3,000

$73.38

$92.93

$3,100

$75.83

$96.02

$3,200

$78.27

$99.12

$3,300

$80.72

$102.22

$3,400

$83.17

$105.32

$3,500

$85.61

$108.41

$3,600

$88.06

$111.51

$3,700

$90.50

$114.61

$3,800

$92.95

$117.71

$3,900

$95.40

$120.80

$4,000

$97.85

$123.91

Which Option Should You Choose?

Here’s a quick breakdown to help guide your choice:

Lower Monthly Benefit (e.g., $600–$1,200) — Best for those who only need to cover essential bills like rent/mortgage and utilities.
Mid-Range Monthly Benefit ($1,300–$2,400) — Good balance for covering essentials plus some extra breathing room.
High Monthly Benefit ($2,500–$4,000) — Best for higher household expenses, multiple dependents, or those who want maximum protection.

Employee Critical Illness Plus

Eligible children are also covered for the following childhood Specified Critical Illnesses at 25% of the member benefit amount:

• Cerebral Palsy
• Cleft Lip or Palate
• Down Syndrome
• Cystic Fibrosis
• Spina Bifida

Member Unismoke Rates

Face Purchase – Bi-weekly Premiums

Issue Ages	$5,000	$10,000	$15,000	$20,000	$25,000	$30,000	$35,000	$40,000	$45,000	$50,000
18-29	$2.16	$3.50	$4.84	$6.18	$7.52	$8.86	$10.20	$11.54	$12.88	$14.22
30-39	$3.36	$5.90	$8.44	$10.98	$13.52	$16.06	$18.60	$21.14	$23.68	$26.22
40-49	$5.58	$10.34	$15.10	$19.84	$24.60	$29.36	$34.12	$38.86	$43.62	$48.38
50-59	$9.10	$17.36	$25.62	$33.88	$42.14	$50.40	$58.66	$66.92	$75.20	$83.46
60-69	$15.04	$29.26	$43.48	$57.70	$71.92	$86.12	$100.34	$114.56	$128.78	$143.00
*70+	$29.26	$57.70	$86.12	$114.56	$143.00	NA	NA	NA	NA	NA

* Benefit amounts for individuals who are age 70 and over and applying for coverage have already been reduced by 50%

Spouse Unismoke Rates

Face Purchase – Bi-weekly Premiums

Issue Ages	$2,500	$5,000	$7,500	$10,000	$12,500	$15,000	$17,500	$20,000	$22,500	$25,000
18-29	$1.50	$2.16	$2.84	$3.50	$4.18	$4.84	$5.52	$6.18	$6.86	$7.52
30-39	$2.10	$3.36	$4.64	$5.90	$7.18	$8.44	$9.72	$10.98	$12.26	$13.52
40-49	$3.20	$5.58	$7.96	$10.34	$12.72	$15.10	$17.48	$19.84	$22.22	$24.60
50-59	$4.96	$9.10	$13.22	$17.36	$21.48	$25.62	$29.74	$33.88	$38.02	$42.14
60-69	$7.94	$15.04	$22.16	$29.26	$36.38	$43.48	$50.58	$57.70	$64.80	$71.92

Check Your Eligibility & Enroll Today

To find out if you’re eligible, reach out to me directly. I’ll guide you through the process and help you understand all your options.

To reach out, you can:

Call me at: (401)-741-8117
Fill out the form on the contact page, and I’ll get back to you promptly.
Or if you’re ready to enroll, click on “Apply Now“, leave your information, and I’ll reach out to help you choose the right plan for you.