Why Disability Insurance?

Why Disability Insurance?

PSEA Recognized Pennsylvania Schools Lack Adequate Disability Coverage

The Pennsylvania State Education Association (PSEA) recognized that Pennsylvania school district employees lack the disability protection they need. In fact, school district employees in most neighboring states are provided with Long Term disability insurance coverage that protects 60% of salary (the industry standard). In Pennsylvania, only about a third of districts provide this level of coverage.

Being unable to work due to a disability is one of the greatest financial threats employees can face. It is often more financially disastrous than a death in the family. That’s why the PSEA is pleased to endorse this plan for the teachers and school employees of Pennsylvania.

How Common is Disability?

When people think about a Disability, they often think of someone in a wheelchair, paralyzed by a freak accident. But disability is often caused by much more common conditions such as back injuries, mental health issues, cancer, pregnancy, and heart attack or stroke.¹  And it occurs more than you might think. Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire.²

Disability Insurance Provides Income Replacement Should You Become Disabled

Are you prepared to pay your bills in the event you became Disabled? Disability Insurance may allow you to receive a portion of that lost earnings.

^¹www.disabilitycanhappen.org/wp-content/uploads/2019/05/DIAM2019_FACTS.pdf

^²https://disabililtycanhappen.org/overview