How Long Could You Go Without a Paycheck?

Don’t let an unexpected illness or injury sap your emergency savings. Get insured today so you’ll still be able to pay your monthly bills on time.

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Key takeaways

  • Disability income insurance is important because it can be hard to get approval for other types of disability coverage or they may not provide the assistance you need.
  • Disability causes more than 50% of all personal bankruptcies.
  • The NEA Income Protection Insurance Plan provides disability income coverage that’s designed for maximum flexibility.

If a serious injury or illness were to keep you from working for several weeks or months, would you be able to pay your mortgage, utilities and other bills?

Yes, your health insurance may pay most of the medical costs associated with a disabling injury or illness, but it won’t help you cover your other living expenses. Sick leave may cover shorter absences, but even substantial accumulated sick leave can end up depleted.

Did you know that nearly 8 in 10 Americans are living paycheck to paycheck1—with little money to spare to build a sizable emergency fund?

To help NEA members help protect their paychecks, NEA Member Benefits offers the NEA Income Protection Insurance Plan in conjunction with American Fidelity Assurance Company. Disability income insurance pays you money directly so you can continue paying the bills that don’t stop just because you can’t work and get paid.

Workers’ compensation may not be enough

Disability income insurance is insurance for the unexpected, to be used when a disabling injury or illness keeps you from working and earning your paycheck. Note that it’s not designed to extend maternity leave, although it can be used if your doctor puts you on bed rest while you’re pregnant.

This insurance is important because other types of disability coverage—for example, workers’ compensation or Social Security disability benefits—often are difficult to be approved for or may not provide the assistance you need.

In fact, in 2012, 74 percent of injuries requiring medical attention suffered by workers occurred off the job2, meaning they aren’t eligible for workers’ compensation.

Will you need income assistance?

About one in four working Americans will become disabled for at least 90 days3.

No one plans to get sideswiped by a pickup truck while bicycling, to be involved in a pileup on the highway—or any of the many types of accidents that can cause disabling injury.

Nor does one plan on emergency surgery or an unexpected illness — these issues can keep you from working for a prolonged period.

When you consider that the average group long-term disability claim lasts almost three years4, it’s easy to see how income protection insurance can be valuable. Sadly, disability causes more than 50% of all personal bankruptcies.5

The benefits of the NEA Income Protection Insurance Plan

The NEA Income Protection Insurance Plan, which is available to any member actively employed in education for at least 15 hours per week, provides disability income coverage and is designed for maximum flexibility:

  • You can get coverage for up to two-thirds of your monthly salary or $6,000, whichever is lower.
  • The insurance can kick in anywhere from the 8th day of disability to the 91st, with the monthly premiums correspondingly lower depending on how long you decide to wait to start receiving payments.
  • You can pay your premium monthly, or you can get a discount for paying on a quarterly, semiannual or annual basis.
  • We offer both long-term and short-term plans based upon your individual needs.

Read "5 Factors that Affect Disability Insurance Benefit Levels and Coverage" to find out what you need to know before you select an insurance plan.

Sign up today to help protect your future


1 CareerBuilder: “Living Paycheck to Paycheck is a Way of Life for Majority of U.S. Workers, According to New CareerBuilder Survey” August 24, 2017.
2 National Safety Council, Injury Facts, 2014 Edition, p. 63. (Stat ID 2048)
3 Council for Disability Awareness: Disability Statistics, July 2013. (Stat ID 1927)
4 Council for Disability Awareness: Disability Statistics, July 2013. (Stat ID 1947)
5 “Preparing for Disability.” Council for Disability Awareness. Web. 25 Nov. 2013 (Stat ID 1926)

Protect your income before an accident happens