{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/cityofhelotes\/?page_id=1036"},"modified":"2025-09-03T22:28:14","modified_gmt":"2025-09-03T22:28:14","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/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{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\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-c59c401204e6b5afbfa287c92e1f14d5\">\n.avia-image-container.av-j7wabw-c59c401204e6b5afbfa287c92e1f14d5 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-c59c401204e6b5afbfa287c92e1f14d5 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-c59c401204e6b5afbfa287c92e1f14d5 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\" class='wp-image-2034 avia-img-lazy-loading-not-2034 avia_image ' src=\"\/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-1030x139.png 1030w, \/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-300x41.png 300w, \/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-768x104.png 768w, \/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-1500x203.png 1500w, \/wp-content\/uploads\/sites\/2577\/2019\/05\/Disability-705x95.png 705w, \/wp-content\/uploads\/sites\/2577\/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{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\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-f0eda87413f4f34f0ff8a75d2448fe14'  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<\/div><\/section><\/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{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\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-4  el_after_av_three_fifth  el_before_av_hr  flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-f56f88d31c23c04295fb524bd9e059a0\">\n.iconbox.av-bx2hqw-f56f88d31c23c04295fb524bd9e059a0 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-f56f88d31c23c04295fb524bd9e059a0  avia-builder-el-5  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\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue854' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.metlife.com' title='The Standard' target=\"_blank\" rel=\"noopener noreferrer\">The Standard<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p class=\"p1\">800-368-2860<\/p>\n<p><a href=\"http:\/\/www.standard.com\" target=\"_blank\" rel=\"noopener\">www.standard.com<\/a><\/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<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f  avia-builder-el-6  el_after_av_icon_box  avia-builder-el-last '><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-2paw70-f7b4ecd2a9abbbb70a24280726fb98e1 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><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\/2577\/2025\/09\/The-Standard-Short-Term-Disability.pdf\">The Standard Short-Term Disability<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2577\/2025\/09\/The-Standard-Long-Term-Disability.pdf\" target=\"_blank\" rel=\"noopener\">The Standard Long-Term Disability<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><div  class='hr av-dy8858-1a407cf3b10a1684b07933f6a1cb8231 hr-default  avia-builder-el-7  el_after_av_two_fifth  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5pxuy4-d5e84812647b48413b13a64a25c3ed91\">\n#top .av-special-heading.av-5pxuy4-d5e84812647b48413b13a64a25c3ed91{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5pxuy4-d5e84812647b48413b13a64a25c3ed91 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5pxuy4-d5e84812647b48413b13a64a25c3ed91 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5pxuy4-d5e84812647b48413b13a64a25c3ed91 av-special-heading-h3  avia-builder-el-8  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-bc3c592e1188f860b128b38db6384a2e avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/dhyh6j4x1f'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Disability Insurance Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/dhyh6j4x1f?dnt=1#?secret=y4xP4zOKxe\" data-secret=\"y4xP4zOKxe\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-6-58b3eb46c0c8e5f0b48001f28607df17 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/z3wxgp26cd'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"(espanol) Disability Insurance Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/z3wxgp26cd?dnt=1#?secret=GMwbwTCdDx\" data-secret=\"GMwbwTCdDx\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='hr av-dy8858-7-d82687bc297d9d7061c15d236049d17b hr-default  avia-builder-el-11  el_after_av_video  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4dedzw-505412f0e2650c28a24229cc175dd270\">\n#top .av-special-heading.av-4dedzw-505412f0e2650c28a24229cc175dd270{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-4dedzw-505412f0e2650c28a24229cc175dd270 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4dedzw-505412f0e2650c28a24229cc175dd270 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4dedzw-505412f0e2650c28a24229cc175dd270 av-special-heading-h3  avia-builder-el-12  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >LONG TERM DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-5-7fb98304a7013fa51b0e24452209ee8f avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/b48amd149e'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Long-Term Disability Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/b48amd149e?dnt=1#?secret=ypouCxtNR7\" data-secret=\"ypouCxtNR7\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-3-1e647e7baaa75097b1b7a24d99d0c1ac avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/oan3ur1cbe'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"(espanol) Long-Term Disability Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/oan3ur1cbe?dnt=1#?secret=BgbMg6hmtz\" data-secret=\"BgbMg6hmtz\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='hr av-dy8858-4-986ed2711a615b1c6ef75775b99b7f4e hr-default  avia-builder-el-15  el_after_av_video  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2fvdz0-b10d2aa5b3403b5166b927ce44ac9b62\">\n#top .av-special-heading.av-2fvdz0-b10d2aa5b3403b5166b927ce44ac9b62{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2fvdz0-b10d2aa5b3403b5166b927ce44ac9b62 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2fvdz0-b10d2aa5b3403b5166b927ce44ac9b62 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2fvdz0-b10d2aa5b3403b5166b927ce44ac9b62 av-special-heading-h3  avia-builder-el-16  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >SHORT TERM DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-2-8a3eb643d9bb7d7d92e6aa331690fded avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/1rx6poour3'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Short-Term Disability Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/1rx6poour3?dnt=1#?secret=i7IjCLakJV\" data-secret=\"i7IjCLakJV\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-1-0ce783a23bcd57e87ee8a2899298aad7 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/29k8vi1mhv'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"(espanol) Short-Term Disability Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/29k8vi1mhv?dnt=1#?secret=tkjPlUbF9M\" data-secret=\"tkjPlUbF9M\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/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\/cityofhelotes\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":29,"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"predecessor-version":[{"id":3469,"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/pages\/1036\/revisions\/3469"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/cityofhelotes\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}