EPS for New TeachersEPS is the perfect place for new teachers looking to supplement their health and life coverage. EPS has a working relationship with top carriers like Aflac, and The Hartford, all of which offer a great variety of disability insurance plans. Our experienced and knowledgeable representatives are there to assist you as you choose the best plan for you and your family.
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Frequently Asked Questions
What is disability insurance and how does it differ from health insurance?
Unlike health insurance, disability insurance (also referred to as income protection) provides cash that can pay bills or other expenses. Insurance carriers like Aflac pay you based on your annual income and on top of your benefits from sick days and sick bank. Plans like those from the Hartford offer guaranteed acceptance within the first year of a new teacher’s hire date, regardless of if you are vested in state retirement or not.
What about FMLA?
If you need to take leave from work for an extended period, FMLA will protect your job for up to 12 weeks in a 12 month period. The program can be used when you or a family member has a medical issue. However, FMLA might not offer paid leave. Income protection does.
Can my spouse be placed on a plan?
The Hartford is the only insurance carrier that offers affordable coverage for spouses, with rates averaging $5.00 to $30.00 depending on the spouse's age and salary as well as the policy holder’s pay schedule.
I'm thinking about having a baby soon. What can I do to insure my baby?
The best option is to start an Income Protection Program with Aflac or a similar carrier. The average pay for those covered is $3000 to $6000. Apply for the program a full year prior to the birth of your baby. The Hartford policy pays for bed rest and complications of pregnancy when applied 10 months prior to the birth of the baby or before pregnancy-related complications arise.
Should I get Critical Illness insurance as well?
Critical Illness Insurance from carriers like Humana replace your income when you are not working. If you are diagnosed or being treated for a covered illness, you will never have to worry about where your next paycheck is coming from. Humana pays you a lump sum cash benefit on the date you are diagnosed with a covered illness and will pay you on top of your sick leave. In addition, Humana Sickness Indemnity pays you for doctor’s visits, exams, hospital stays and surgeries.
How do I get in contact with a representative?
There is a plethora of EPS representatives ready to serve you. They are more than willing to come meet you – at your school and even at your home – to help find the best disability insurance plan for you.