5 Smart Reasons Why California Educators Should Consider Disability Insurance

🌟Could You Pay Your Bills if You Were Too Sick to Work?

Every day, teachers show up for their students—often putting their own health and well-being second. But what happens if you can’t show up? Could you keep up with your mortgage, bills, or groceries if an illness or injury took you out of the classroom?

At Protecting Teachers’ Income (PTI), we specialize in helping educators safeguard the paycheck they depend on. And that starts with one important question:

“What’s your plan if your paycheck stops—but your expenses don’t?”

💼1. Your District Sick Leave Might Not Be Enough

Most school districts offer a limited number of sick days. But what if you’re out for weeks—or months?

Once your district sick leave runs out, you may find yourself without any income at all. That’s where disability insurance comes in. It’s designed to replace a portion of your paycheck when you can’t work due to illness or injury. 

📅2. State Benefits Fall Short—If You Even Qualify

In California, State Disability Insurance (SDI) may cover a portion of your income. But it’s often not enough to maintain your lifestyle—and not every educator qualifies.

Private disability coverage fills in the gaps. It gives you more control and ensures your bills are paid, no matter how long you’re out of the classroom.

🧬 3. Illnesses and Injuries Are More Common Than You Think

Disability insurance isn’t just for major accidents. It can help cover lost income during:

• Surgery recovery
• Stress-related leave or burnout
• Pregnancy complications
• Chronic conditions like migraines or back pain

If it keeps you from working, it can impact your paycheck. Protection matters more than many realize—until they need it.

📈4. Financial Stability = Peace of Mind

Protecting your income means protecting your:

• ✨Sanity
• ✨Savings
• ✨Security

When your paycheck is covered, you can focus on healing—not scrambling to pay bills or draining your emergency fund.

📄 5. Coverage Can Be Tailored to Fit Your Life

Whether you’re just getting started or thinking about retirement, there are flexible options to fit your needs. You decide how much coverage to carry and how long it should last.

At PTI, we help you build a protection plan that makes sense for your salary, stage of life, and long-term goals.

💬 Let’s Talk About Your Plan

Your health is priceless—but your paycheck is, too.

Let’s make sure both are protected. Schedule a free consultation today to talk about how disability insurance fits into your financial picture.

👉Schedule a Free 15-Minute Consultation:

📘 Bonus Resource:
Download the Income Protection Workbook for Educators — it’s packed with reflection prompts and planning tips to help you understand your disability insurance needs and prepare for the unexpected loss of income.
👉Get the Free Workbook:

📞 Still have questions? I’m here to help. Let’s talk.
👉Book Your Free Call:

Walter Johnson
Founder, Protecting Teachers’ Income
CA Insurance License OJ15814
walter@protectingteachersincome.com
www.ProtectingTeachersIncome.com