{"id":3646,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/eastcentralisd-2\/disability-2\/"},"modified":"2025-07-21T13:38:36","modified_gmt":"2025-07-21T13:38:36","slug":"disability-insurance","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/eastcentralisd-2\/disability-insurance\/","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-412013b021fa6ea9b611e555a997090b\">\n.avia-image-container.av-j7wabw-412013b021fa6ea9b611e555a997090b img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-412013b021fa6ea9b611e555a997090b .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-412013b021fa6ea9b611e555a997090b 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\/2754\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/2754\/2019\/05\/Disability-1030x139.png 1030w, \/wp-content\/uploads\/sites\/2754\/2019\/05\/Disability-300x41.png 300w, \/wp-content\/uploads\/sites\/2754\/2019\/05\/Disability-768x104.png 768w, \/wp-content\/uploads\/sites\/2754\/2019\/05\/Disability-1500x203.png 1500w, \/wp-content\/uploads\/sites\/2754\/2019\/05\/Disability-705x95.png 705w, \/wp-content\/uploads\/sites\/2754\/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-209ecb2c45cee9ab829bf96373d66178\">\n.iconbox.av-bx2hqw-209ecb2c45cee9ab829bf96373d66178 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-209ecb2c45cee9ab829bf96373d66178  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='American Fidelity' target=\"_blank\" rel=\"noopener noreferrer\">American Fidelity<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p class=\"p1\">800-662-1113<\/p>\n<p><a href=\"http:\/\/www.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<\/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'><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\/2754\/2025\/05\/SB-33491FF-0422.pdf\" target=\"_blank\" rel=\"noopener\">SB-33491(FF)-0422<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2754\/2025\/05\/SB-33492FF-0422.pdf\" target=\"_blank\" rel=\"noopener\">SB-33492(FF)-0422<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li><li><div class='iconlist_icon av-mb9equau-41475e36308ad144cf6c366cfe8483e9 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\" >Claim Form <\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/2754\/2025\/05\/Claim-Form.pdf\" target=\"_blank\" rel=\"noopener\">Claim Form<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li><\/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-6levzy-edd090b1f015a1dcb9a7bf933c28db1f\">\n#top .av-special-heading.av-6levzy-edd090b1f015a1dcb9a7bf933c28db1f{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-6levzy-edd090b1f015a1dcb9a7bf933c28db1f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-6levzy-edd090b1f015a1dcb9a7bf933c28db1f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-6levzy-edd090b1f015a1dcb9a7bf933c28db1f 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=MVVEukW0Xn\" data-secret=\"MVVEukW0Xn\" 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-9-a85ab2e1f810a1846edcb753de02ca31 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=9MBHkQs7ru\" data-secret=\"9MBHkQs7ru\" 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-dy8858-10-66ebef406eb224f2ee1bff3aef6d52cc 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-3rfz7y-9be311dd0e69a722276c429577834657\">\n#top .av-special-heading.av-3rfz7y-9be311dd0e69a722276c429577834657{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-3rfz7y-9be311dd0e69a722276c429577834657 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-3rfz7y-9be311dd0e69a722276c429577834657 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-3rfz7y-9be311dd0e69a722276c429577834657 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-8-03e01b42c38baf2f4a0b5b9a34064459 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=qq1jLLWsRS\" data-secret=\"qq1jLLWsRS\" 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-6-5d921b9074fee579d035ea23393f65b7 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=0vpYFADJju\" data-secret=\"0vpYFADJju\" frameborder=\"0\" scrolling=\"no\" width=\"640\" height=\"360\"><\/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-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-2gkqha-1170e61cfa345c413f415db029febe72\">\n#top .av-special-heading.av-2gkqha-1170e61cfa345c413f415db029febe72{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2gkqha-1170e61cfa345c413f415db029febe72 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2gkqha-1170e61cfa345c413f415db029febe72 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2gkqha-1170e61cfa345c413f415db029febe72 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-5-ee6246e0f4342acf0f774014ab116ccd avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" 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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=S5wal3WkG7\" data-secret=\"S5wal3WkG7\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div 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