{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/bekerleyschooldistrict\/?page_id=1036"},"modified":"2026-08-19T17:41:26","modified_gmt":"2026-08-19T17:41:26","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/disability\/","title":{"rendered":"Disability"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4\">\n.flex_column.av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4 av_one_full  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-j7wabw-87237a26937586042e5a3b7fae844a9d\">\n.avia-image-container.av-j7wabw-87237a26937586042e5a3b7fae844a9d img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-87237a26937586042e5a3b7fae844a9d .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-87237a26937586042e5a3b7fae844a9d av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-2034 avia-img-lazy-loading-not-2034 avia_image ' src=\"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-300x41.png 300w, https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-768x104.png 768w, https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-1500x203.png 1500w, https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-705x95.png 705w, https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-content\/uploads\/sites\/171\/2019\/05\/Disability-450x61.png 450w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-gzvmmk-6e507cafdbfddaf2918273e889f39055\">\n.flex_column.av-gzvmmk-6e507cafdbfddaf2918273e889f39055{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-gzvmmk-6e507cafdbfddaf2918273e889f39055 av_three_fifth  avia-builder-el-2  el_after_av_one_full  el_before_av_two_fifth  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='av_textblock_section av-1jo1v0-8c8765e0fca1de1ded2469f678b343f3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>Why Disability Insurance?<\/h3>\n<p>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 income for the period of time you are unable to work due to those reasons.<\/p>\n<p>You are able to choose the <strong><em>benefit amount<\/em><\/strong> which is the amount of your income to replace, and the<strong><em> waiting period <\/em><\/strong>that you begin receiving payments.<\/p>\n<p>How do you decide if you need disability insurance?<\/p>\n<p><strong>Consider these questions when making your decision:<\/strong><\/p>\n<ul>\n<li>How much employer leave do you have?<\/li>\n<li>Do you have savings?<\/li>\n<li>Do you have other income you can rely on, such as from your spouse or from child support?<\/li>\n<li>How close are you to retirement?<\/li>\n<li>Could you go on Social Security Disability or take a Disability Retirement?<\/li>\n<li>What are your other sources of income?<\/li>\n<\/ul>\n<h3>Long Term Disability Insurance<\/h3>\n<p>You employer offers Long Term Disability Insurance through the South Carolina Public Employee Benefit Authority. <a href=\"https:\/\/www.peba.sc.gov\" target=\"_blank\" rel=\"noopener\">Visit the SC PEBA website<\/a> for more information.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-k4szi9bl-af585073400c92ceb874172bc890eb78-wrap avia-button-center  avia-builder-el-4  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/www.peba.sc.gov'  class='avia-button av-k4szi9bl-af585073400c92ceb874172bc890eb78 av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"SC PEBA Website\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >SC PEBA Website<\/span><\/a><\/div><\/p><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8utn8s-880d94bb17ac72aeda1134b64080bb0e\">\n.flex_column.av-8utn8s-880d94bb17ac72aeda1134b64080bb0e{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-8utn8s-880d94bb17ac72aeda1134b64080bb0e av_two_fifth  avia-builder-el-5  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-fd480bc909e334d87812bd27f611cc05\">\n.iconbox.av-bx2hqw-fd480bc909e334d87812bd27f611cc05 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-fd480bc909e334d87812bd27f611cc05  avia-builder-el-6  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: Short Term Disability Insurance\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='phone' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>Phone<\/title>\n<desc id='av-svg-desc-1'>Phone<\/desc>\n<path d=\"M14.752 17.92q5.184-5.184 3.776-6.592l-0.256-0.256q-0.96-0.96-1.312-1.536t-0.128-1.728 1.568-2.816q0.64-0.768 1.184-1.248t1.12-0.512 0.96-0.032 0.928 0.416 0.768 0.576 0.832 0.8 0.672 0.704q1.536 1.536-0.192 6.208t-6.528 9.408q-4.8 4.8-9.44 6.56t-6.176 0.224q-0.064-0.064-0.736-0.704t-0.8-0.8-0.576-0.768-0.416-0.992 0.064-0.96 0.48-1.12 1.216-1.184q1.344-1.088 2.24-1.504t1.728-0.064 1.12 0.576 1.248 1.184q1.408 1.408 6.656-3.84z\"><\/path>\n<\/svg><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >Short Term Disability Insurance<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">The Standard<\/span><\/p>\n<p><a href=\"http:\/\/www.standard.com\" target=\"_blank\" rel=\"noopener\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">www.standard.com<\/span><\/a><\/p>\n<p>800.378.2395<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f\">\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#c42032;\n}\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f  avia-builder-el-7  el_after_av_icon_box  el_before_av_icon_box '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f avia-iconlist-animate'>\n<li><div class='iconlist_icon av-7xg32k-8cefd0f677bae2718356b49df58daf2d avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: DISABILITY PLAN INFORMATION\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >DISABILITY PLAN INFORMATION<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/171\/2025\/09\/The-Standard-Short-Term-Disability-Info-and-Rates.pdf\" target=\"_blank\" rel=\"noopener\">The Standard Short-Term Disability Info and Rates<\/a><\/p>\n<p><a href=\"https:\/\/www.standard.com\/eforms\/15167_174525.pdf\" target=\"_blank\" rel=\"noopener\">The Standard- Short-Term Disability Claim Filing FAQs<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/171\/2026\/01\/The-Standard-Benefits-Sites-List.pdf\" target=\"_blank\" rel=\"noopener\">The Standard Benefits Links<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/171\/2026\/01\/The-Standard-Performance-Guarantee.pdf\" target=\"_blank\" rel=\"noopener\">The Standard- Performance Guarantee<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/171\/2026\/01\/The-Standard-Short-Term-Disability-Certificate.pdf\" target=\"_blank\" rel=\"noopener\">The Standard- Short Term Disability Certificate<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/171\/2026\/01\/The-Standard-Master-Disability-Policy.pdf\" target=\"_blank\" rel=\"noopener\">The Standard- Master Disability Policy<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-3-486b29213fc72840246d68f9e39cb949\">\n.iconbox.av-bx2hqw-3-486b29213fc72840246d68f9e39cb949 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-3-486b29213fc72840246d68f9e39cb949  avia-builder-el-8  el_after_av_iconlist  avia-builder-el-last  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: Long Term Disability Insurance\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='info' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\">\n<title id='av-svg-title-2'>Info<\/title>\n<desc id='av-svg-desc-2'>Info<\/desc>\n<path d=\"M11.264 0q1.536 0 2.368 0.864t0.832 2.208q0 1.6-1.248 2.816t-3.040 1.216q-1.536 0-2.368-0.832t-0.768-2.304q0-1.472 1.12-2.72t3.104-1.248zM4.672 32q-3.2 0-1.728-5.696l1.92-8.128q0.448-1.792 0-1.792-0.384 0-1.728 0.576t-2.304 1.216l-0.832-1.408q2.88-2.496 6.048-4.032t4.832-1.536q2.496 0 1.152 5.184l-2.24 8.512q-0.512 2.048 0.192 2.048 1.408 0 3.776-1.92l0.96 1.28q-2.688 2.752-5.6 4.224t-4.448 1.472z\"><\/path>\n<\/svg><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >Long Term Disability Insurance<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>SC Public Employee Benefit Authority<\/p>\n<p><a href=\"https:\/\/www.peba.sc.gov\" target=\"_blank\" rel=\"noopener\">https:\/\/www.peba.sc.gov<\/a><\/p>\n<p><a href=\"https:\/\/www.standard.com\/mybenefits\/southcarolina\/\" target=\"_blank\" rel=\"noopener\">The Standard Company LTD Website<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1036","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/berkeleyschooldistrict\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}