{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/shermanisd\/?page_id=1036"},"modified":"2025-08-25T15:40:40","modified_gmt":"2025-08-25T15:40:40","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/shermanisd\/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{\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-201e5d753e516b7bd22cd18d9cab69bd\">\n.avia-image-container.av-j7wabw-201e5d753e516b7bd22cd18d9cab69bd img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-201e5d753e516b7bd22cd18d9cab69bd .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-201e5d753e516b7bd22cd18d9cab69bd 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\/44\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/44\/2019\/05\/Disability-1030x139.png 1030w, \/wp-content\/uploads\/sites\/44\/2019\/05\/Disability-300x41.png 300w, \/wp-content\/uploads\/sites\/44\/2019\/05\/Disability-768x104.png 768w, \/wp-content\/uploads\/sites\/44\/2019\/05\/Disability-1500x203.png 1500w, \/wp-content\/uploads\/sites\/44\/2019\/05\/Disability-705x95.png 705w, \/wp-content\/uploads\/sites\/44\/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-2bef4a031af6ce433eca87b6a151ef9f\">\n.iconbox.av-bx2hqw-2bef4a031af6ce433eca87b6a151ef9f .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-2bef4a031af6ce433eca87b6a151ef9f  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.americanfidelity.com\/' title='American Fidelity' target=\"_blank\" rel=\"noopener noreferrer\">American Fidelity<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><div class=\"span7 font15 wraptext\"><span class=\"OYPEnA font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">(800) 654-8489<\/span><\/div>\n<div><a class=\"OYPEnA font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-underline text-strikethrough-none\" href=\"http:\/\/www.americanfidelity.com\" target=\"_blank\" rel=\"noopener\">www.americanfidelity.com<\/a><\/div>\n<div class=\"span7\"><\/div>\n<div><\/div>\n<div class=\"span7\"><\/div>\n<\/div><\/div><footer 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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\" ><div class=\"avia-name-description \"><a href=\"\/wp-content\/uploads\/sites\/44\/2025\/07\/brochure-SB-33491FF-0125-3.pdf\" target=\"_blank\" rel=\"noopener\">Disability Insurance Benefit Highlights<\/a><\/div>\n<div class=\"avia-form-element \">\n<div id=\"wp-aviaTBaviaTBcontent-wrap\" class=\"wp-core-ui wp-editor-wrap tmce-active\">\n<div id=\"wp-aviaTBaviaTBcontent-editor-container\" class=\"wp-editor-container\">\n<div id=\"mceu_159\" class=\"mce-tinymce mce-container mce-panel\" role=\"application\">\n<div id=\"mceu_159-body\" class=\"mce-container-body mce-stack-layout\">\n<div id=\"mceu_160\" class=\"mce-top-part mce-container mce-stack-layout-item mce-first\">\n<div id=\"mceu_160-body\" class=\"mce-container-body\">\n<div id=\"mceu_161\" 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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>To File A Claim &#8211; Click On This Link<\/p>\n<p>You can file online or by paper. Just scroll down to find your product to file a claim on.<\/p>\n<p><a href=\"https:\/\/americanfidelity.com\/support\/forms\/\" target=\"_blank\" rel=\"noopener\">https:\/\/americanfidelity.com\/support\/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  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\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\/shermanisd\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":43,"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"predecessor-version":[{"id":4035,"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/pages\/1036\/revisions\/4035"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/shermanisd\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}