{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/?page_id=1036"},"modified":"2026-05-19T15:17:51","modified_gmt":"2026-05-19T15:17:51","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/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-480e5dd8cc16dd64b48a76e91c2598b0\">\n.avia-image-container.av-j7wabw-480e5dd8cc16dd64b48a76e91c2598b0 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-480e5dd8cc16dd64b48a76e91c2598b0 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-480e5dd8cc16dd64b48a76e91c2598b0 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\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-300x41.png 300w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-768x104.png 768w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-1500x203.png 1500w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/2019\/05\/Disability-705x95.png 705w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd\/wp-content\/uploads\/sites\/113\/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-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{\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-00c1ffe1473520d0d4bb20bb91ca81e8\">\n.iconbox.av-bx2hqw-00c1ffe1473520d0d4bb20bb91ca81e8 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-00c1ffe1473520d0d4bb20bb91ca81e8  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\" aria-label=\"Icon: American Fidelity\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='1' data-av_iconset='svg_entypo-fontello' ><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/americanfidelity.com\/' title='American Fidelity'  target=\"_blank\"  rel=\"noopener noreferrer\" >American Fidelity<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p class=\"p1\">(800) 654-8489<\/p>\n<p><a href=\"http:\/\/americanfidelity.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">www.americanfidelity.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#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-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-9apx3g-645df493158ed491f4bd4fa515efab28 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: PLAN INFORMATION\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >PLAN INFORMATION<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/113\/2026\/05\/2026-AF-LTDisability.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Highlights Summary<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/113\/2026\/05\/AF-3602FFSP-0624-EAGLE-MOUNTAIN-SAGINAW-ISD.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Highlights Summary &#8211; Spanish<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-7672po-a555e5a62ac899958e48388040c67daf avia-font-svg_entypo-fontello avia-svg-icon avia-font-svg_entypo-fontello'><span class='av-icon-char' data-av_svg_icon='doc-text' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Doc-text<\/title>\n<desc id='av-svg-desc-1'>Doc-text<\/desc>\n<path d=\"M6.784 17.344v-2.88h8.96v2.88h-8.96zM19.2 1.6q1.344 0 2.272 0.928t0.928 2.272v22.4q0 1.28-0.928 2.24t-2.272 0.96h-16q-1.28 0-2.24-0.96t-0.96-2.24v-22.4q0-1.344 0.96-2.272t2.24-0.928h16zM19.2 27.2v-22.4h-16v22.4h16zM15.68 8.256v2.816h-8.96v-2.816h8.96zM15.68 20.8v2.816h-8.96v-2.816h8.96z\"><\/path>\n<\/svg><\/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: CLAIM FORM\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >CLAIM FORM<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/americanfidelity.com\/claims\/claim-forms\/\" target=\"_blank\" rel=\"noopener noreferrer\">Claim Form<\/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-knz7g-95848f48d068c105b93b6365c80fa921\">\n#top .av-special-heading.av-knz7g-95848f48d068c105b93b6365c80fa921{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-knz7g-95848f48d068c105b93b6365c80fa921 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-knz7g-95848f48d068c105b93b6365c80fa921 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-knz7g-95848f48d068c105b93b6365c80fa921 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 src=\"https:\/\/fast.wistia.com\/embed\/dhyh6j4x1f.js\" async type=\"module\"><\/script><script src=\"https:\/\/fast.wistia.com\/player.js\" async><\/script><style>\n  wistia-player[media-id='dhyh6j4x1f']:not(:defined) {\n    background: center \/ contain no-repeat\n      url('https:\/\/fast.wistia.com\/embed\/medias\/dhyh6j4x1f\/swatch');\n    display: block;\n    filter: blur(5px);\n    padding-top: 56.25%;\n  }\n<\/style><wistia-player media-id=\"dhyh6j4x1f\"><\/wistia-player><\/div>\n<div  class='hr av-dy8858-4-986ed2711a615b1c6ef75775b99b7f4e hr-default  avia-builder-el-10  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-4jcxrg-f51f45817f8df606268aa010124b2d7d\">\n#top .av-special-heading.av-4jcxrg-f51f45817f8df606268aa010124b2d7d{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-4jcxrg-f51f45817f8df606268aa010124b2d7d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4jcxrg-f51f45817f8df606268aa010124b2d7d .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4jcxrg-f51f45817f8df606268aa010124b2d7d av-special-heading-h3  avia-builder-el-11  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-3-b794e4ca2a2a2e70f6497e359cb968a8 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 src=\"https:\/\/fast.wistia.com\/embed\/b48amd149e.js\" async type=\"module\"><\/script><script src=\"https:\/\/fast.wistia.com\/player.js\" async><\/script><style>\n  wistia-player[media-id='b48amd149e']:not(:defined) {\n    background: center \/ contain no-repeat\n      url('https:\/\/fast.wistia.com\/embed\/medias\/b48amd149e\/swatch');\n    display: block;\n    filter: blur(5px);\n    padding-top: 56.25%;\n  }\n<\/style><wistia-player media-id=\"b48amd149e\"><\/wistia-player><\/div>\n<div  class='hr av-dy8858-2-1a4fc642ae49741e14969e180f1565b3 hr-default  avia-builder-el-13  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-264y8c-b330e6b98f04227da0a75825594a69f7\">\n#top .av-special-heading.av-264y8c-b330e6b98f04227da0a75825594a69f7{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-264y8c-b330e6b98f04227da0a75825594a69f7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-264y8c-b330e6b98f04227da0a75825594a69f7 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-264y8c-b330e6b98f04227da0a75825594a69f7 av-special-heading-h3  avia-builder-el-14  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-1-cb8003998a4fb81e67b894a356176c73 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 src=\"https:\/\/fast.wistia.com\/embed\/1rx6poour3.js\" async type=\"module\"><\/script><script src=\"https:\/\/fast.wistia.com\/player.js\" async><\/script><style>\n  wistia-player[media-id='1rx6poour3']:not(:defined) {\n    background: center \/ contain no-repeat\n      url('https:\/\/fast.wistia.com\/embed\/medias\/1rx6poour3\/swatch');\n    display: block;\n    filter: blur(5px);\n    padding-top: 56.25%;\n  }\n<\/style><wistia-player 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