Federal Employee
(866) 751-8332
(866) 751-8332

Protect Your Paycheck & Your Loved Ones — Without the Stress

Why Federal Employees Need More Than What the Government Provides

  • You work for the federal government, which means you have access to excellent benefits — leave, health plans, retirement, and more. But do you have real protection if illness, injury, or a life event interrupts your ability to earn?
  • The federal system doesn’t provide a built-in short-term disability program for non–work-related events. You are largely dependent on your sick leave, annual leave, or long-term disability/retirement programs.
  • Your FERS/CSRS disability retirement benefits come with limitations, delays, and eligibility hurdles.
  • Basic life insurance under FEGLI offers foundational coverage, but for many employees it’s not enough for your mortgage, your family, or your legacy.
  • That’s where Purnell & Company steps in — to fill the gaps so your income, your family, and your future are protected.

Our Solutions: What We Offer (All Payroll-Deductible Options)

Here’s how Purnell & Company helps federal employees like you

Short-Term Disability (STD) — Income Protection When You Can’t Work

What it does​

 If you are temporarily unable to work due to an illness, accident, or recovery after surgery, short-term disability provides you with a portion of your income so you can focus on healing instead of missing bills.

Key features

  • Benefit amounts often cover up to 60% of your pre-disability earnings (depending on plan design)
  • You choose an elimination (waiting) period—for example, 14 or 30 days — before benefits begin
  • Coverage typically lasts for a defined period (e.g. up to months) for short-term conditions
  • After the waiting period is satisfied and approval obtained, benefits are paid regularly while you recover
  • It helps you preserve your sick and annual leave instead of using them all up

Why federal employees especially need it

Because the government does not provide STD for non–work-related disabilities, many feds are unprotected when illness or injury strikes. A well-structured STD policy gives you a safety net between your current income and more permanent disability or retirement options.

Life Insurance & Supplemental Life Coverage

Why “baseline” may not be enough

  • FEGLI Basic and Option A/B may not fully protect your mortgage, children’s education, or your spouse’s financial security
  • Especially later in your career or with family responsibilities, you may want more coverage, term riders, or supplemental life products

What FEGLI gives you (baseline)

Under the Federal Employees’ Group Life Insurance (FEGLI) Act, most federal employees receive Basic life insurance coverage automatically, with the option to choose three additional levels (Options A, B, and C). Premiums are deducted from your payroll, and the government subsidizes basic coverage. 

What we offer

  • Supplemental life insurance (term and whole life) to fill the gap
  • Family coverage riders (spouse, children)
  • Convertible & portable options when you retire or leave federal service
  • Specialized riders (e.g. accelerated death benefit, terminal illness riders)

Purnell & Company also offers additional options to further plug the gaps in your benefits stack:

  • Supplemental Disability Insurance — for longer-term or partial disability coverage
  • Critical Illness / Cancer Protection — to help cover big medical costs beyond standard health plan coverage
  • Accident / Dismemberment Insurance — extra pay if an accident causes serious injury
  • Long-Term Care / Chronic Illness Riders — support for care needs over longer durations

Each product is structured to work with your federal benefits, not compete with or negate them.

Why Work with Purnell & Company?

Experience

we have been working with federal employees for 12 years.

Exclusive to Feds & public servants

we understand your benefits world and speak your language

Payroll deduction enrollment

no need to write checks every month

No or minimal medical underwriting

Get covered — no needles, no lab work, no stress

We coordinate with your existing benefits (FEGLI, FERS, etc.)

so you’re not over-insured

Hands-on guidance

we’ll help you choose the right waiting periods, benefit levels, and riders

Fast access to consultation

get your questions answered in just 15 minutes

Don’t Wait. Protect What Matters.

Illness or injury doesn’t announce itself ahead of time. If you delay planning, you risk depleting your leave, your emergency fund, or your retirement plans when you need those benefits most.

Let’s Talk — Risk-Free, No Obligation

We offer a free 15-minute phone consultation to help you:

  • Understand how your federal benefits stack up (or fall short)
  • Calculate the income protection gap you might face
  • Design a tailored package of short-term disability, life, and supplemental coverage

Ready to take the first step? Choose one

  • Fill out the contact form below
  • Call us at: (866) 751-8332
  • Click “Schedule My Free Consultation” now — we’ll reach out to you within 24 hours.
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