Income protection for educators facing illness or injury. Our guaranteed-issue disability insurance provides weekly cash benefits to help replace lost wages when you’re unable to work due to a covered condition. With no medical questions or exams required, our short-term disability plans are designed to give you peace of mind. Benefits are paid directly to you, helping to cover rent, groceries, and bills while you recover. Enjoy affordable, payroll-deducted premiums that make this coverage accessible for teachers, classified staff, administrators, and education support professionals.