The more you know, the easier to understand
See a full list of our most Frequently Asked Questions to help you better understand your benefit needs.
The benefits programs available to you here can help protect your future and your family’s future. That is why choosing the right plans is one of the most important decisions you can make to safeguard your personal and professional life.
All dues paying members of the National Postal Mail Handlers Union. Some benefits are also available for retirees and immediate family members.
In most cases, once we receive your application, you will receive your Certificate of Insurance between 6-8 weeks. Depending on the type of coverage you are requesting, an underwriter may require medical information and financial documents. Doing so in a timely matter will help speed up the process.
Short Term Disability will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. The Long Term Disability plan will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or until you return to work.
You may apply for either or both coverages with the same or different benefit amounts up to two-thirds of your basic monthly pay. If you become disabled, and have both disability coverages, you would first collect benefits for Short Term Disability, after your 30 day waiting period. If you were still disabled at the end of the 12th month, you would continue to receive benefits for Long Term Disability.
All disability applications go through an underwriting process. Acceptance is based on your answers to the medical questions on your application.
Short Term Disability will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. Long Term Disability will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or until you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.
The underwriting process depends on your answers to the medical questions on your application. In some instances, the insurance company may have to ask you or your doctor for additional information, resulting in additional processing time.
Total Disability refers to a condition where a disability leaves you unable to perform the material duties of your regular occupation for the first 24 months following the 12-month disability waiting period. Once benefits are paid for 24 months, Total Disability is defined as the complete inability to perform the material duties of any gainful job for which you are reasonably fit by training, education, or experience. It's important to note that you do not necessarily have to be hospitalized or confined to your home, but you must be under regular medical supervision to qualify for benefits and must refrain from engaging in any gainful employment.
Farmers offers you greater affordability and protection than most other kinds of auto and home coverage. On top of that, you receive special group rates as an NPMHU member.
Please have your current policies on hand when calling. For auto quotes, please also have your Social Security number, the Vehicle Identification Number (VIN), and the driver’s license number of each member of your household.
Yes, we offer a number of policies to meet all of your property insurance needs.
You may apply for up to $500,000 in Term Life insurance, regardless of the amount you have elsewhere. You may apply for up to $500,000 on your spouse as well, and receive up to $2,000 in coverage for each eligible dependent child, too.
Yes, as the member, you must be covered in order for your spouse to apply. Spouse coverage amount cannot exceed your coverage amount.
Yes! Your term life insurance policy will remain in force as long as you remain a dues paying NPMHU member and pay the required premiums when due. We will then bill you directly on a Monthly, Quarterly or Annual basis, whichever is the most convenient for you. Another option is an Electronic Fund Transfer from your checking or savings account.