1. Short title This Act may be cited as the Federal Employee Short-Term Disability Insurance Act of 2018 . 2. Purpose The purpose of this Act is to offer voluntary insurance to Federal employees for protection against the loss of pay resulting from— (1) short-term injury or disability; (2) short-term leave taken for the purpose of caring for a family member; (3) the birth of a child of such an employee; or (4) making arrangements to adopt a child or to become a foster parent. 3. Non-work related disability insurance (a) In general Title 5, United States Code, is amended by inserting after chapter 87 the following: 88 Non-Work Related Short-Term Disability Insurance Sec. 8801. Definitions. 8802. Availability of insurance. 8803. Contracting authority. 8804. Benefits. 8805. Premiums. 8806. Preemption. 8807. Studies, reports, and audits. 8808. Jurisdiction of courts. 8809. Administrative functions. 8810. Cost accounting standards. 8801. Definitions For purposes of this chapter— (1) the term Director means the Director of the Office of Personnel Management; (2) the term employee means— (A) an employee defined in section 8901(1); and (B) an officer or employee of the United States Postal Service or of the Postal Regulatory Commission; (3) the term injury or disability , with respect to an employee, means that such employee is unable to perform the essential functions of such employee’s position of employment with the Federal Government; (4) the term member of family has the meaning given such term in section 8901(5); (5) the term carrier means an insurance company that is licensed to issue disability insurance in all States, taking into account any subsidiaries or affiliates of such a company; and (6) the term State includes the District of Columbia. 8802. Availability of insurance (a) The Director shall establish and administer a program to make insurance coverage available under this chapter— (1) for an injury or disability not covered under chapter 81