NEA Income Protection Insurance Plan

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NEA® Income Protection Insurance Plan

Continue getting paid if you are too sick or injured to work

Enroll Now

In partnership with



Get paid, even while you’re out sick

The NEA Income Protection Insurance Plan provides monthly income to members who are too sick or injured to work, including during pregnancy when there is doctor-ordered bed rest or medical leave. This insurance can 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.

  • 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 protect your paycheck when you can’t work

Calculate your coverage

  1. Choose your monthly benefit amount—up to two-thirds of your regular salary (or $6,000).
  2. Choose when your payouts begin: on the 8th, 15th, 31st or 91st day of disability.
  3. 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.
  4. No health questions required.
  5. Calculate your costs with this Disability Benefits Calculator.

Enroll online or by mail

  1. Make sure you’re logged in to your NEA Member Benefits account.
  2. 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 experts are available to answer any questions you may have at 1-888-461-1612.

Learn more about the NEA Income Protection Insurance Plan

American Fidelity Logo - NEA Member Benefits Partner

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, auto, healthcare and municipality industries since 1969.


Learn more about how we select our partners


Your questions, answered

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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. This plan is not available in Colorado.

* Benefits may be tax-free when premiums are paid with after-tax dollars. Consult your tax adviser for details.

Disability Income Insurance underwritten by American Fidelity Assurance Company.