{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/howeisd-2\/?page_id=1036"},"modified":"2026-02-02T21:04:40","modified_gmt":"2026-02-02T21:04:40","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/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-72958322c8c8f264e6a42d1519ac3ee3\">\n.avia-image-container.av-j7wabw-72958322c8c8f264e6a42d1519ac3ee3 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-72958322c8c8f264e6a42d1519ac3ee3 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-72958322c8c8f264e6a42d1519ac3ee3 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\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-300x41.png 300w, https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-768x104.png 768w, https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-1500x203.png 1500w, https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/2019\/05\/Disability-705x95.png 705w, https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-content\/uploads\/sites\/2766\/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-b316c2ef2471a7cafc81151b7195260c\">\n.iconbox.av-bx2hqw-b316c2ef2471a7cafc81151b7195260c .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-b316c2ef2471a7cafc81151b7195260c  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-iconfont avia-font-entypo-fontello' data-av_icon='' data-av_iconfont='entypo-fontello' title=\"American Fidelity\" desc=\"American Fidelity\" ><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.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:\/\/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#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'><li><div class='iconlist_icon av-4g874c-573bfd24b7ba73f73eea0e0c951f39c5 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\/2766\/2025\/04\/Disability-Plan-Highlights-1.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Highlights Summary &amp; Rates<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li><li><div class='iconlist_icon av-4ksdm4-1c3a0e92cc63e72e47515a1c9b323566 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue84b' 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 Claim Forms \"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Disability Claim Forms <\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/2766\/2025\/04\/Disability-Claim-Form.pdf\" target=\"_blank\" rel=\"noopener\">Claim Form<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2766\/2025\/04\/Routine-Pregnancy-Claim-Form.pdf\" target=\"_blank\" rel=\"noopener\">Routine Pregnancy Claim Form<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li><li><div class='iconlist_icon av-ma4876v1-475aa1375e7391f1eb640275c393540a avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue8ac' 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: Mobile App\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Mobile App<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Available for\u00a0<a href=\"https:\/\/apps.apple.com\/us\/app\/afmobile\/id642876991\" target=\"_blank\" rel=\"noopener\">iPhone<\/a>\u00a0or\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.afadvantage.americanfidelityv2&amp;pcampaignid=web_share\" target=\"_blank\" rel=\"noopener\">Android<\/a>.<\/p>\n<p>With the AFmobile app, you can:<\/p>\n<ul>\n<li>View account balances<\/li>\n<li>Manage claims and reimbursements<\/li>\n<li>Submit documentation<\/li>\n<li>Receive alerts<\/li>\n<li>Maintain personal information<\/li>\n<\/ul>\n<p><div  class='avia-button-wrap av-49jppo-6ac379da053eb702fc8c02f97fc2c7a5-wrap avia-button-center  avia-builder-el-7  el_before_av_button  avia-builder-el-first '><a href='https:\/\/apps.apple.com\/us\/app\/afmobile\/id642876991'  class='avia-button av-49jppo-6ac379da053eb702fc8c02f97fc2c7a5 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Download on the App Store\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue920' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Download on the App Store<\/span><\/a><\/div><br \/>\n<div  class='avia-button-wrap av-2zzmi4-20a9260c906c5136f9d995795e63655d-wrap avia-button-center  avia-builder-el-8  el_after_av_button  avia-builder-el-last '><a href='https:\/\/play.google.com\/store\/apps\/details?id=com.afadvantage.americanfidelityv2&amp;pcampaignid=web_share'  class='avia-button av-2zzmi4-20a9260c906c5136f9d995795e63655d av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Get it on Google Play\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue91c' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Get it on Google Play<\/span><\/a><\/div><\/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-9  el_after_av_two_fifth  el_before_av_hr '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n<div  class='hr av-dy8858-2-1a4fc642ae49741e14969e180f1565b3 hr-default  avia-builder-el-10  el_after_av_hr  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-2fn8rg-3e1067ad344c85f7d2853d4aa0934929\">\n#top .av-special-heading.av-2fn8rg-3e1067ad344c85f7d2853d4aa0934929{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2fn8rg-3e1067ad344c85f7d2853d4aa0934929 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2fn8rg-3e1067ad344c85f7d2853d4aa0934929 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2fn8rg-3e1067ad344c85f7d2853d4aa0934929 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-30eb4d0906f56b80f76484e9a97346db 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\"  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class=\"hr-inner-style\"><\/span><\/span><\/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\/howeisd-2\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/howeisd-2\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}