{"id":3504,"date":"2026-05-06T14:30:35","date_gmt":"2026-05-06T14:30:35","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/?page_id=3504"},"modified":"2026-05-06T14:31:29","modified_gmt":"2026-05-06T14:31:29","slug":"long-term-disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/long-term-disability\/","title":{"rendered":"Long Term 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-dbff5694108009ba426c74601475e867\">\n.avia-image-container.av-j7wabw-dbff5694108009ba426c74601475e867 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-dbff5694108009ba426c74601475e867 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-dbff5694108009ba426c74601475e867 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\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-300x41.png 300w, https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-768x104.png 768w, https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-1500x203.png 1500w, https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/2019\/05\/Disability-705x95.png 705w, https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-content\/uploads\/sites\/396\/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-ef34a51b687332e1a01c8af3454b8754\">\n.iconbox.av-bx2hqw-ef34a51b687332e1a01c8af3454b8754 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-ef34a51b687332e1a01c8af3454b8754  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='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'>American Fidelity<\/title>\n<desc id='av-svg-desc-1'>American Fidelity<\/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='http:\/\/www.metlife.com' title='American Fidelity'  target=\"_blank\"  rel=\"noopener noreferrer\" >American Fidelity<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><div>(800) 654-8489<\/div>\n<div><a href=\"http:\/\/americanfidelity.com\/\" target=\"_blank\" rel=\"noopener\">http:\/\/americanfidelity.com\/<\/a><\/div>\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-jv9m4793-2305f16b7ed0c82fc5d61fd2ff230803\">\n#top .avia-icon-list-container.av-jv9m4793-2305f16b7ed0c82fc5d61fd2ff230803 .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#c42032;\n}\n#top .avia-icon-list-container.av-jv9m4793-2305f16b7ed0c82fc5d61fd2ff230803 .iconlist_icon svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-2305f16b7ed0c82fc5d61fd2ff230803  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-jv9m4793-2305f16b7ed0c82fc5d61fd2ff230803 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-843hwc-afed12e69c30e617b3790b8ac944f9a8 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\/396\/2020\/10\/Disability-Enhanced-Brochure-SB-32584FF-0620.pdf\" target=\"_blank\" rel=\"noopener\">Disability Enhanced Brochure SB-32584(FF)-0620<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/396\/2020\/10\/Disability-Core-Brochure-SB-32586FF-0620.pdf\" target=\"_blank\" rel=\"noopener\">Disability Core Brochure SB-32586(FF)-0620<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-688xss-44a0005d0d3795a7209fa7f2857c1c73 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: Claim Forms\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Claim Forms<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/americanfidelity.com\/claims\/claim-forms\/\" target=\"_blank\" rel=\"noopener noreferrer\">Disability Claim Forms<\/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-3md3f0-6e61abe1cdff1b7a5c6e2d52ae157c30\">\n#top .av-special-heading.av-3md3f0-6e61abe1cdff1b7a5c6e2d52ae157c30{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-3md3f0-6e61abe1cdff1b7a5c6e2d52ae157c30 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-3md3f0-6e61abe1cdff1b7a5c6e2d52ae157c30 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-3md3f0-6e61abe1cdff1b7a5c6e2d52ae157c30 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=uCs6yAdjNd\" data-secret=\"uCs6yAdjNd\" 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\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2e335o-efac9f798ffa999ccb1c09db2bb0e255\">\n#top .av-special-heading.av-2e335o-efac9f798ffa999ccb1c09db2bb0e255{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2e335o-efac9f798ffa999ccb1c09db2bb0e255 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2e335o-efac9f798ffa999ccb1c09db2bb0e255 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2e335o-efac9f798ffa999ccb1c09db2bb0e255 av-special-heading-h3  avia-builder-el-10  el_after_av_video  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-1-6aae5ec329554ec0452c806d2451203c 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=iXkBeK1mUZ\" data-secret=\"iXkBeK1mUZ\" 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","protected":false},"excerpt":{"rendered":"","protected":false},"author":129,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3504","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/pages\/3504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/comments?post=3504"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/pages\/3504\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/lexingtonisd\/wp-json\/wp\/v2\/media?parent=3504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}