The Hidden Gaps in Your School District Benefits

Why Even ‘Good’ Benefits Often Leave You Exposed

You’ve worked hard to become an educator — earning your credentials, building your classroom skills, and showing up every day for your students. And like many teachers, you probably trust that your district’s benefit package has you covered.

But here’s the uncomfortable truth: many teachers are walking around with a false sense of security. District benefits can be valuable, but they’re often full of hidden gaps that leave you financially vulnerable.

What You Think You Have vs. What You Actually Get

✅Health Insurance – Yes, most districts provide solid medical coverage. But out-of-pocket costs can still be high, especially for families or those managing chronic conditions.

⚠️Disability Insurance – Often limited to short-term disability (30–90 days). Long-term protection? Rare or insufficient.

⚠️Life Insurance – District policies may offer a basic amount (like $10,000 or 1x salary), but that’s usually not enough to protect your family.
⚠️Retirement Contributions – Pensions are great, but they take time to vest — and may not be enough to retire comfortably without additional savings.
⚠️Long-Term Care Coverage – Almost never included, yet it’s one of the biggest future expenses you could face.

Real-World Example:
Maria, a high school counselor, assumed her benefits were bulletproof. But after an unexpected medical diagnosis, she discovered her long-term disability plan ended after 6 months — and didn’t even cover her full salary. She had to dip into retirement savings to stay afloat.

Why This Matters
Even one unexpected event — illness, injury, or needing care — can derail your finances. Teachers are especially at risk because their income is steady but not easily replaced, and their benefits, while well-intended, aren’t personalized.

Simple Ways to Protect Yourself

🔹 Review your benefits summary — don’t just glance at it during onboarding.
🔹 Compare your district coverage with your actual income and expenses.
🔹 Consider supplemental options: personal disability insurance, term life, long-term care, and annuities for future income.
🔹 Talk to someone who specializes in protecting educators.

📘 Let’s Fill the Gaps in Your Benefits

Your job may be uncertain—but your financial future doesn’t have to be.

At Protecting Teachers’ Income, we’ll help you assess your current situation and build a custom strategy to protect your paycheck, your pension, and your peace of mind.

🎁Bonus Resource: Income Protection Workbook for Educators

Want help identifying the hidden gaps in your district benefits?

👉Download your free workbook

📞Let’s Talk Strategy

Unsure how to protect your income or what your district benefits may not cover? 👉Schedule a Free 15-Minute Call

Talk soon,

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