Why Disability Insurance?

Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy? That is why you need disability coverage, it replaces a portion of district income for the period of time you are unable to work due to those reasons.

• UNUM will be the new disability carrier.
• Simplified plan design with lower rates!
• Choose from 40%, 50%, or 66 2/3% of salary benefit.
• 90 and 180 day waiting/elimination periods have been discontinued.

How do you decide if you need disability insurance?

Consider these questions when making your decision:

• How much district leave do you have?
• Do you have savings?
• Do you have other income you can rely on, such as from your spouse or from child support?
• How close are you to retirement?
• Could you go on Social Security Disability or take a Disability Retirement?
• What are your other sources of income?