
As a mail carrier, you're likely no stranger to the importance of insurance. Fortunately, the United States Postal Service (USPS) offers a range of insurance plans to help protect you and your family in case of unexpected events.
The USPS offers a variety of insurance plans, including disability, life, and health insurance.
These plans are designed to provide financial security and peace of mind, allowing you to focus on your work without worrying about the unexpected.
One of the most popular plans is the Federal Employees Group Life Insurance (FEGLI) plan, which offers a basic life insurance policy to all USPS employees.
USPS Health Insurance Options
As a mail carrier, you have access to various health insurance options that can provide you with the security and peace of mind you need. The NALC Health Benefit Plan is a not-for-profit health insurance plan designed specifically for letter carriers, offering comprehensive benefits at an affordable rate.

The plan is run by letter carriers, which means it's tailored to their needs and concerns. Whether you're a seasoned carrier or just starting out, this plan is a great option to consider.
If you're a postal worker or federal employee, you may also be eligible for the APWU Health Plan, which offers two great health care options. You can visit their website at www.apwuhp.com or call them at 410-424-2852 for more information.
One of the benefits of the APWU Health Plan is the "Best Essay" award, which provides a one-time $2,000 award towards college tuition for high school seniors who are children or grandchildren of APWU members.
Here are the details of the APWU scholarships:
- E.C. Hallbeck Scholarship Application Form - Deadline May 31, 2025
- Vocational Scholarship Application - Deadline May 31, 2025
If you're a USPS employee or retiree, you'll need to choose a new health insurance plan in 2025, as some current plans will no longer be available. You can check out the list of 32 health plans available in the PSHB program on the OPM website.
If you don't choose a new plan by the deadline, you'll be automatically enrolled in the cheapest nationwide non-high deductible plan. It's worth noting that if you have a high-deductible health plan and an HSA, you may need to reconsider your coverage options.
Accidental Death Benefit Plans

As a mail carrier, you may be wondering about the accidental death benefit plans available to you. The NALC Group Accidental Death Benefit provides a basic benefit coverage of $5,000 with no cost to members.
This benefit is administered by the MBA and is included in the NALC welcome packet for new members. The plan covers all active, retired, and city carrier assistants of the NALC in good standing, as well as other non-supervisory postal career service employees.
If you're not a member of the NALC yet, you can join the union to be eligible for this benefit. The plan has been in place since 1985, providing peace of mind for mail carriers and their families.
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New Health Insurance Plans
The NALC Health Benefit Plan is a great option for letter carriers, offering comprehensive benefits at an affordable rate.
There are 32 new health plans available in the PSHB program, a mix of fee-for-service and HMO plans with both nationwide and region-specific carriers.

If you're a USPS employee or retiree, you'll need to choose a new health insurance plan if your current FEHB carrier isn't on the list. If you don't make a choice by the deadline, you'll be automatically enrolled in the cheapest nationwide non-high deductible plan.
FEHB Medicare advantage plans are low-cost options for retirees, and PSHB will have these plans available too.
USPS annuitants covered by a PSHB plan will be required to have Medicare D either through a Medicare advantage plan or supplemental coverage, starting in 2025.
Some health plans offer reimbursements of Medicare B premiums, which might be a consideration for FEHB participants.
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USPS Forms and Benefits
The NALC Health Benefit Plan is a great option for mail carriers, offering comprehensive benefits at an affordable rate. This not-for-profit plan is designed specifically for letter carriers, providing peace of mind and financial security.
If you're injured on the job, you may be eligible for compensation under the Federal Employees Compensation Act (FECA). This act provides continuation of pay for up to 45 calendar days for traumatic job-related injuries.
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Here are some key benefits of FECA:
- Continuation of pay (COP) for the period of the disability, up to a maximum of 45 calendar days, for a traumatic job–related injury
- Compensation for wages lost as a result of job–related injury or disease, or illness
- Medical care for disability due to job–related injury or disease, or illness
NALC Health Benefit Plan
The NALC Health Benefit Plan is a not-for-profit health insurance plan designed specifically for letter carriers.
It's run by letter carriers, which means they have a deep understanding of the unique needs of postal workers.
This comprehensive plan offers affordable rates to letter carriers, whether they're just starting their career or have been on the job for a long time.
The NALC Health Benefit Plan is a letter carrier's best choice for health insurance, providing security and peace of mind.
On-the-Job Forms
If you've suffered an injury or illness while working for the USPS, you'll need to complete a temporary disability claim form. This form will help you get the benefits you're entitled to under the Federal Employees Compensation Act (FECA).
FECA provides a range of benefits for USPS employees who are injured on the job. One of these benefits is continuation of pay (COP) for up to 45 calendar days for traumatic job-related injuries.

If you're unable to work due to a job-related injury or disease, or illness, you may be eligible for compensation for wages lost. This can be a huge help if you're not able to earn a paycheck while you're recovering.
The medical care provided under FECA includes treatment for disability due to job-related injuries or illnesses. This can include a wide range of medical services, from doctor visits to surgery and rehabilitation.
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USPS Associations
The United States Letter Carriers Mutual Benefit Association (MBA) was founded in 1891 as a life insurance division for NALC members and their families.
The MBA has over $224 million of life insurance in force on its members, providing them with the best possible protection at a low cost.
Insurance plans offered by the MBA are designed to give NALC members and their families the best possible protection for the lowest cost.
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APWU Health Plan
The APWU Health Plan is a great option for postal and federal employees and their families. It offers two comprehensive health care options.

For more information, you can visit the APWU Health Plan website, www.apwuhp.com, or contact them at 410-424-2852 or 800-222-2798. They also have a mailing address at PO Box 1358, Glen Burnie, MD 21060-1358, and an email address at [email protected].
The APWU Health Plan offers a "Best Essay" award to one winner, who receives a one-time $2,000 award towards their four-year college tuition. This award is open to high school seniors who are children, grandchildren, stepchildren, or legally adopted children of current, retired, or deceased APWU members.
The application deadline for the Hallbeck and Vocational scholarships is May 31, 2025. You can find the application forms on the APWU Health Plan website.
Mutual Benefit Association
The Mutual Benefit Association (MBA) is a vital part of the National Association of Letter Carriers (NALC) benefits package.
The MBA was founded in 1891 and has grown to have over $224 million of life insurance in force on its members.

This not-for-profit organization offers insurance plans designed to give NALC members and their families the best possible protection at the lowest cost.
NALC members can also take advantage of group short-term disability through the MBA, which has a 14-day elimination period.
However, the MBA program does limit the potential benefits due to the high-risk nature of postal employee work duties.
Here are the key features of the NALC group short-term disability option:
- 14-day elimination period
- Two benefit period choices
- Three benefit amount options:
The MBA's focus on providing affordable insurance options is a testament to its commitment to NALC members and their families.
Frequently Asked Questions
Does USPS Mail come with insurance?
Yes, USPS mail comes with up to $100 insurance coverage included in the price of postage. Additional coverage is available for purchase at any Post Office.
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