NEA® Group Term Life Insurance Plan
Get added peace of mind and help keep your loved ones secure. Choose from $25,000 to $500,000 of term life insurance at NEA’s lowest member rates.
NEA® Income Protection Insurance Plan
Continue getting paid if you are too sick or injured to work due to a covered disability
Enroll NowIn partnership with
overview
Get paid, even while you’re out sick due to a covered disability
The NEA Income Protection Insurance Plan helps provide monthly income to members who are too sick or injured to work due to a covered disability, including during pregnancy when there is doctor-ordered bed rest or medical leave. This insurance may help you avoid having to dip into your retirement savings or take out a home equity loan in order to cover your necessities while you’re on the mend.
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Receive up to two-thirds of your regular salary up to a maximum of $6,000 - Decide when your benefits should begin (on the 8th, 15th, 31st or 91st day of a disability) and pay rates that vary accordingly
- Choose short-term disability up to a maximum of 2 years, or long-term disability up to age 65
- Your NEA dues and premiums are paid if you have a disability lasting six months or more
how it helps
Help protect yourself with flexible plan options
Coverage that fits your budget
Your premiums are based on what you want your monthly payments to be and when you want to start receiving them. Choose your monthly benefit in $100 increments, up to two-thirds of your regular monthly salary (or $6,000).
Easy to collect
Receive payments directly, potentially tax-free.* (Consult your tax adviser for more details.) These payments can be used to cover your mortgage or rent payments, monthly bills, groceries and more to help protect your family and your lifestyle.
Customized for you
Your NEA dues and insurance premiums are protected. If you’re on an NEA-supported strike for over 60 days or totally disabled for 6 months, your dues will be paid and premiums waived.
How It Works
How to help protect your paycheck
Calculate your coverage
- Choose your monthly benefit amount—up to two-thirds of your regular salary (or $6,000).
- Choose when your payouts begin: on the 8th, 15th, 31st or 91st day of disability.
- Choose Short-Term Disability (STD) or Long-Term Disability (LTD) protection—up to a maximum of two years for short-term coverage and to age 65 for long-term disability.
- No health questions required.
- Calculate your costs with this Disability Benefits Calculator.
Enroll online or by mail
- Make sure you’re logged in to your NEA Member Benefits account.
- Click "Enroll Now" to fill out an online application, or click “Print an Application” to fill out and send by mail.
NEA Income Protection Insurance Plan representatives are available to answer any questions you may have at 1-888-461-1612.
American Fidelity Assurance Company helps support educators and public schools.
American Fidelity Assurance Company has been a longtime partner of NEA Member Benefits, underwriting the NEA Income Protection Insurance Plan since 1976.
American Fidelity has specialized in the education industry since 1960.
FAQs
Your questions, answered
If coverage is approved, it will begin on the first of the month following when the premium is received and the certificate is issued. Disability coverage is not effective at time of application.
Short-Term Disability covers disabilities that last up to 2 years (unless AZ or KS; 180-day benefit period). No benefits will be paid after 2 years of claim.
Long-Term Disability covers disability up to age 65. Benefit duration will reduce as insured reaches age 60 and older (except for conditions that are limited such as: Mental and Nervous, Special Conditions, etc.).
Yes. If the diagnosis of the pregnancy is after the effective date of coverage, the pregnancy will be covered. A vaginal delivery will result in the insured being eligible for up to 6 weeks of disability, less the elimination period. (For example: if an individual had a 7-day elimination period, there would be 5 weeks of disability for this claim.) For a C-section delivery, the insured will be covered for up to 8 weeks of disability, less the elimination period. Any complications which extend beyond the standard 6 to 8 weeks beyond delivery will be reviewed and payable as any other Sickness or Injury, as defined by the contract.
Once a claim is filed and approved, benefits are paid on a monthly basis.
Claim forms can be found in PDF format at https://americanfidelity.com/forms
Premiums can be paid via electronic fund transfer. You can pay monthly, quarterly, semi-annually or annually.
No benefit will be payable if disability is caused by or resulting from a pre-existing condition and begins before the insured has been continuously covered under the policy for 24 months.
This provision will not apply if the insured has gone treatment free, incurred no expense, taken no medications, and received no diagnosis or advice from a physician for 12 consecutive months for such conditions.
No. The purpose of your medical insurance is to pay for medical bills, but the cost of living still has to be absorbed by you at a time when you are disabled and unable to work. This is the reason behind the NEA Income Protection Insurance Plan—to help continue the lifestyle to which your family has grown accustomed.
No, not as long as you remain eligible for coverage according to the policy, your premium is paid, and the Master Policy remains in force.
The answer depends upon individual circumstances. Compare your take-home pay with what any other sources of income you have would pay. Then decide how much income you need to meet your financial obligations.
Qualifying for benefits and the appeal process can be difficult and lengthy. If American Fidelity Assurance Company determines you are a likely candidate for Social Security disability benefits, then they can assist you with the application and appeal process. Social Security disability income benefits you receive will reduce your disability income benefit paid by this plan.
Related Info
Terms & Conditions
Income you receive from other sources can reduce the benefits you receive through this plan; please login or register to view complete plan details.
* Benefits may be tax-free when premiums are paid with after-tax dollars. Consult your tax adviser for details.
Limitations, exclusions, and waiting periods may apply.
Disability Income Insurance underwritten by American Fidelity Assurance Company.
AF-3647-0724