{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/stpetershealth\/?page_id=1036"},"modified":"2025-05-01T15:34:32","modified_gmt":"2025-05-01T15:34:32","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/disability\/","title":{"rendered":"Disability"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2vbl4c-14d8d72833e22a9d506c6f0aec6ba2d6\">\n.avia-section.av-2vbl4c-14d8d72833e22a9d506c6f0aec6ba2d6{\nbackground-color:#76b153;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-2vbl4c-14d8d72833e22a9d506c6f0aec6ba2d6 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 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-1036'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7\">\n#top .av-special-heading.av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lnxxz2lj-aa65b27cac0d48f3dc21796e87d24be7 av-special-heading-h1 custom-color-heading  avia-builder-el-1  avia-builder-el-no-sibling  av-linked-heading'><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><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-1036'><div class='entry-content-wrapper clearfix'>\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_section  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><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 '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-c2ba81f5afb56d158041bbfef6ee64b6\">\n.iconbox.av-bx2hqw-c2ba81f5afb56d158041bbfef6ee64b6 .iconbox_icon{\nbackground-color:#33a8d5;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-c2ba81f5afb56d158041bbfef6ee64b6  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='https:\/\/www.nmpsia.com' title='AMERICAN FIDELITY ASSURANCE' target=\"_blank\" rel=\"noopener noreferrer\">AMERICAN FIDELITY ASSURANCE<\/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\">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-e6584469fee910d2bae8eeff2ae2affa\">\n#top .avia-icon-list-container.av-jv9m4793-e6584469fee910d2bae8eeff2ae2affa .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#33a8d5;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-e6584469fee910d2bae8eeff2ae2affa  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-e6584469fee910d2bae8eeff2ae2affa avia-iconlist-animate'>\n<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=\"https:\/\/ffbenefits.ffga.com\/wp-content\/uploads\/sites\/1808\/2025\/05\/St.-Peters-Long-Term-Disability-Brochure.pdf\">Long Term Disability Brochure<\/a><\/p>\n<p><a href=\"https:\/\/ffbenefits.ffga.com\/wp-content\/uploads\/sites\/1808\/2025\/05\/St.-Peters-Short-Term-Disability-Brochure.pdf\">Short Term Disability Brochure<\/a><\/p>\n<p><a href=\"https:\/\/assets.americanfidelity.com\/media\/oqfbm2r0\/af-1747.pdf\">AFA Mobile App for Claims Filing<\/a><\/p>\n<p><a href=\"https:\/\/assets.americanfidelity.com\/media\/x2rcyey1\/af-2584.pdf\">AFA Quick Claims Filing for Pregnancy<\/a><\/p>\n<p><a href=\"https:\/\/secured.americanfidelity.com\/Login\/?I=BE0CAADAA513A92D5E884FF3B0138F1EE9BC13F77BB14C2812E9259B5ACDE1E8&amp;V=2iqaawJmFUnkUIuILawdkFIQ0tC8m9uxTObPhg%2FYNd%2FUq6oksNmnWmWNApj9EzUFRo5TYPP4CqGErK1aaWCf9Q%3D%3D\">Click Here to File a Claim<\/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-5gczto-9cda097cb5a5680b50e1daaedf48f8d7\">\n#top .av-special-heading.av-5gczto-9cda097cb5a5680b50e1daaedf48f8d7{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5gczto-9cda097cb5a5680b50e1daaedf48f8d7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5gczto-9cda097cb5a5680b50e1daaedf48f8d7 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5gczto-9cda097cb5a5680b50e1daaedf48f8d7 av-special-heading-h3  avia-builder-el-8  el_after_av_hr  el_before_av_video '><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=X1bonPRySR\" data-secret=\"X1bonPRySR\" 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-dy8858-4-986ed2711a615b1c6ef75775b99b7f4e hr-default  avia-builder-el-10  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-4dg3q4-f7843ed0ac30809c71669a23b9c950ce\">\n#top .av-special-heading.av-4dg3q4-f7843ed0ac30809c71669a23b9c950ce{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-4dg3q4-f7843ed0ac30809c71669a23b9c950ce .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4dg3q4-f7843ed0ac30809c71669a23b9c950ce .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4dg3q4-f7843ed0ac30809c71669a23b9c950ce av-special-heading-h3  avia-builder-el-11  el_after_av_hr  el_before_av_video '><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-3-b794e4ca2a2a2e70f6497e359cb968a8 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=bQ1B8q02yp\" data-secret=\"bQ1B8q02yp\" 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-dy8858-2-1a4fc642ae49741e14969e180f1565b3 hr-default  avia-builder-el-13  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-2cfado-0952cca30bf70f3fb90de32b5f024ef8\">\n#top .av-special-heading.av-2cfado-0952cca30bf70f3fb90de32b5f024ef8{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2cfado-0952cca30bf70f3fb90de32b5f024ef8 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2cfado-0952cca30bf70f3fb90de32b5f024ef8 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2cfado-0952cca30bf70f3fb90de32b5f024ef8 av-special-heading-h3  avia-builder-el-14  el_after_av_hr  el_before_av_video '><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-1-cb8003998a4fb81e67b894a356176c73 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=\"avia_playpause_icon\"><\/div><\/div><\/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\/stpetershealth\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":35,"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"predecessor-version":[{"id":3612,"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/pages\/1036\/revisions\/3612"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/stpetershealth\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}