{"id":4090,"date":"2025-06-18T17:48:38","date_gmt":"2025-06-18T17:48:38","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/garland-2\/?page_id=4090"},"modified":"2026-10-01T16:56:03","modified_gmt":"2026-10-01T16:56:03","slug":"disability-2025-2026","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/garlandisd\/2025-2026-plan-year\/disability-2025-2026\/","title":{"rendered":"Disability 2025-2026"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muprzmed-ddbe3124149dfed3686d5875728a771b\">\n.avia-section.av-muprzmed-ddbe3124149dfed3686d5875728a771b{\nbackground-color:#9f2943;\nbackground-image:unset;\n}\n.avia-section.av-muprzmed-ddbe3124149dfed3686d5875728a771b .av-extra-border-element .av-extra-border-inner{\nbackground-color:#9f2943;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-muprzmed-ddbe3124149dfed3686d5875728a771b main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  avia-bg-style-scroll av-arrow-down-section container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4090'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf\">\n#top .av-special-heading.av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mrc7alxz-5a019113f12ce9a9cb4c1172297bdacf av-special-heading-h1 custom-color-heading  avia-builder-el-1  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Disability Insurance<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4090'><div class='entry-content-wrapper clearfix'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mnegpm-3224a7663c5dbdd6474373cd3c1c335d\">\n.flex_column.av-mnegpm-3224a7663c5dbdd6474373cd3c1c335d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-mnegpm-3224a7663c5dbdd6474373cd3c1c335d av_three_fifth  avia-builder-el-2  el_after_av_section  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><section  class='av_textblock_section av-20w51m-926c0cc50d38ce5f9d3d735c9b014033 '   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 district 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. You are also able to choose the <strong><em>maximum benefit period<\/em><\/strong> which is how long the money will continue should you find yourself disable for a longer time frame.<\/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 district 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><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1y2bx6-23764f3cabaf668356c411405c7b271d\">\n.flex_column.av-1y2bx6-23764f3cabaf668356c411405c7b271d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-1y2bx6-23764f3cabaf668356c411405c7b271d av_two_fifth  avia-builder-el-4  el_after_av_three_fifth  el_before_av_hr  flex_column_div av-zero-column-padding  '     ><article  class='iconbox iconbox_top av-hjydsq-564e3d9917519079605dea0e1f10bed5  avia-builder-el-5  el_before_av_icon_box  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: The Hartford\"><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'>The Hartford<\/title>\n<desc id='av-svg-desc-1'>The Hartford<\/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\" ><a href='https:\/\/americanfidelity.com' title='The Hartford'  target=\"_blank\"  rel=\"noopener noreferrer\" >The Hartford<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p class=\"p1\"><strong>For Claims:<\/strong><\/p>\n<p class=\"p1\"><strong>(866) 547-9124<\/strong><\/p>\n<p><a href=\"https:\/\/www.thehartford.com\/employee-benefits\/claims\" target=\"_blank\" rel=\"noopener\">www.thehartford.com\/employee-benefits\/claims<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<article  class='iconbox iconbox_top av-m01lqbz6-105a420ffda37758b1c80be00b1f425b  avia-builder-el-6  el_after_av_icon_box  el_before_av_textblock  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: Eligibility for Benefits\"><div class='iconbox_icon heading-color avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' title=\"Eligibility for Benefits\" desc=\"Eligibility for Benefits\" ><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='https:\/\/ffbenefits.ffga.com\/garlandisd\/eligibility-for-benefits\/' title='Eligibility for Benefits'  >Eligibility for Benefits<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<section  class='av_textblock_section av-fzgchm-5fdfd60259735221045a755703302844 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>Disability Plan Information<\/h3>\n<p><a href=\"\/wp-content\/uploads\/sites\/2819\/2025\/09\/Garland-ISD-LTD-BHS.pdf\" target=\"_blank\" rel=\"noopener\">Long-Term Disability Benefits Highlights Sheet<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2819\/2025\/09\/Garland-ISD-LTD-Rates.pdf\" target=\"_blank\" rel=\"noopener\">Long-Term Disability Rates<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2819\/2025\/09\/Garland-ISD-Telephonic-Claim-Flyer-English.pdf\" target=\"_blank\" rel=\"noopener\">Telephonic Claim Flyer &#8211; English<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2819\/2025\/09\/Garland-ISD-Telephonic-Claim-Flyer-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Telephonic Claim Flyer &#8211; Spanish<\/a><\/p>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-2v269m-5305759d0d5155db7834bc00bb1c27f1 hr-default  avia-builder-el-8  el_after_av_two_fifth  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":4573,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4090","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4090","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/comments?post=4090"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4090\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4573"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/media?parent=4090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}