Comprehensive Protection for Government Employees
While FEGLI, state group life, and basic disability coverage provide a foundation, they often leave significant gaps in protection. Many government employees are uninsured or underinsured when it comes to disability income, long-term care expenses, and family financial security.
GRS insurance specialists work with 50+ carriers to design customized protection strategies that complement your government benefits — without unnecessary overlap or excessive premiums.
Why It Matters
One in four workers will become disabled before retirement. Without adequate coverage, a disability can drain retirement savings and jeopardize family financial security.
We help you protect your income, assets, and family with the right combination of group and private coverage.
Insurance Solutions We Offer
Supplemental Insurance
Life Insurance
Term, whole, and universal life policies to protect your family's financial future
Short-Term Disability
Income replacement for illness or injury — often missing from government packages
Long-Term Care
Protect retirement assets from nursing home and in-home care expenses
Critical Illness Insurance
Lump-sum cash benefit for cancer, heart attack, stroke, and other serious diagnoses
Hospital Indemnity
Cash benefits for hospital admissions, surgeries, and intensive care stays
Accident Insurance
Coverage for emergency room visits, fractures, and accidental injuries
Cancer Care
Ongoing cash benefits through every stage of cancer treatment and recovery
Dental Insurance
Cleanings, fillings, crowns, and orthodontics — comprehensive coverage for the whole family
Vision Insurance
Annual exams, frames, lenses, and contact allowances beyond your FEHB coverage
Hearing Insurance
Exam coverage and significant hearing aid allowances to offset $5,000+ device costs
LegalShield & IDShield
Attorney access and 24/7 identity monitoring with private investigator restoration
Common Insurance Gaps for Government Employees
Short-Term Disability
Most government agencies don't offer short-term disability. Sick leave runs out fast, and long-term disability has a 90+ day waiting period.
Inadequate Life Insurance
FEGLI Basic is only 1x salary. Options B and C are expensive and reduce at age 65. Many families need 8-10x income in coverage.
Long-Term Care
Federal LTC premiums skyrocketed in 2016. Many dropped coverage. A nursing home stay can cost $100K+/year and drain retirement savings.
Supplemental Health Coverage
High deductibles and out-of-pocket maximums can devastate budgets. Accident, hospital, and critical illness plans fill the gaps.
Ready to close your insurance gaps?
Schedule a complimentary insurance review with a GRS specialist.
Schedule Consultation