What Every Teacher Should Know About Disability Insurance

Imagine this: You are mid-school year, juggling lesson plans, parent emails, and the upcoming field trip — and then suddenly, you’re out of work due to an unexpected illness or injury. How long could you go without a paycheck?

For many teachers, the answer is “not long.” That’s why disability insurance isn’t just a nice-to-have — it’s a crucial part of a smart financial plan.

Why Teachers Are at Risk

While educators often enjoy good benefits through their districts, disability coverage is usually limited in scope and duration. Many plans cover only a portion of your salary (typically 40–60%) and may only last for a short time. And if you’re a newer teacher or work part-time, your benefits might be even more limited.

A survey by the National Education Association found that over 50% of teachers would struggle to cover their bills after missing just one paycheck. That’s a startling statistic — and one you can do something about.

The Truth About District Disability Plans

Let’s break down a typical school-provided plan:

✅Covers short-term illness or injury (usually 30–90 days)
✅ May replace up to 60% of your income
❌ Often has strict definitions of what qualifies as a disability
❌ Usually ends after a few months — leaving a big gap if you’re out longer

What a Personal Disability Policy Can Do

A personal policy fills those gaps and gives you more control:

• Own-occupation coverage: You’re protected if you can’t perform your specific job as a teacher
• Long-term protection: Benefits can last for years — even until retirement
• Portability: Your policy stays with you, even if you switch schools or states

Common Myths That Keep Teachers Unprotected

• “I’m healthy — I don’t need this.” → Most disabilities are due to illness, not injury, and happen unexpectedly.
• “The school’s coverage is enough.” → Often not true once you look at the fine print.
• “I’ll rely on savings.” → Even a 3-month emergency fund can be wiped out fast.

Real Talk: The Cost

Disability insurance usually costs 1–3% of your annual income, depending on your age, health, and coverage level. For many teachers, that’s less than what they spend on classroom supplies each year — but with a lot more long-term value.

Take the Next Step

Your ability to earn a paycheck is your greatest asset. Let’s make sure it’s protected.

👉Schedule a Free Consultation to review your current coverage and explore affordable options that fit your life.

📘Bonus Resource:
Not sure where to start? Download the Income Protection Workbook for Educators and take the first step toward securing your financial future.
👉Get the Free Guide

📞Have Questions? Let’s Talk:
Still have questions? I’m happy to walk through your specific situation.
👉Book a Free 15-Minute Call

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