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NEW NJEA MEMBERSAND TRANSFERS You can help protect your paycheck with a disability insurance plan endorsed by NJEA. You’ll bepleased to know these plans are issued by a name you know and trust—The Prudential Insurance Companyof America (Prudential).Consider these important facts:As a new NJEA member, you are just beginning to accrue sick leave. If you can’t work due to an accident, illness,behavioral/mental health or pregnancy, you can have help paying your rent/mortgage, health insurance premiums, childcare, college tuition, and more.uu School employees are typically not covered by New Jersey State Disability. Once your sick days are exhausted,your paycheck endsuu Within the first 120 days of NJEA membership, coverage is guaranteed — you can enroll without answering any healthquestions or exams (pre-existing condition exclusion applies)uuPregnancy is a covered disabilityuuPremiums are conveniently deducted from your paycheck.Also available: Critical Illness Insurance to help you tackle unexpected life-changing illnesses, easing the financial burdenso you can focus on recovery. Offered for you, your spouse/domestic partner and children.If you’re transferring from another district When you transfer from another New Jersey school district, you can keep your current NJEA Disability coverage or changeit to best meet your needs. There are no health questions to answer if you act within 120 days. Simply complete the onlineenrollment form.More information is available in the brochure.You may enroll online.enroll.njea.orgFor questions, contact: Kelly Ray :kray@educators-insurance.comThis policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or majormedical insurance as defined by the New York State Department of Financial Services.Group Insurance coverage is issued by The Prudential Insurance Company of America, a PrudentialFinancial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions,limitations, and restrictions, which may apply. Contract Series: 83500.1036322-00002-00NJE9 FL GI2 01
HELP PROTECT YOURSELF AND YOUR LOVED ONESuuNJEA INCOME PROTECTION PLUSDisability IncomeCritical Illness1006857-00001-00
Help protect what matters to you,no matter where you are in lifeA Special Message from NJEANJEA has been offering solid disability coverageto our members for more than 60 years. We areespecially proud to endorse this plan—developedunder the guidance of NJEA and backed by thefinancial strength and experience of Prudential.1We urge you to review the material to decide ifand how you will help protect your income.Disability Insurancehelps protect your paycheck63%Americans who livepaycheck to paycheck2Critical Illness Insurancehelps protect your savings62%Bankruptcies basedon a medical event32As an NJEA member, you’ve got a steady income and a job thatserves your community. NJEA wants to make it easy for you to takesteps to help protect yourself against the key financial risks, suchas an unexpected loss of income due to disability or unexpectedout-of-pocket medical and non-medical expenses related toan illness.We know how busy you are, but helping to protect yourself financiallyfrom life’s twists and turns is really important.NJEA Income Protection Plus helps you protect your paycheck if you become too sick orinjured to workuuTHE NJEA DISABILITY INSURANCE PLAN helps ensure that if youcan’t work, you may still be able to afford to pay for things likethe rent, mortgage, health insurance premiums, child care, yourcellphone, car payments, college tuition, and retirement.Research shows that 63% of people live from paycheck to paycheck,2and about half of all households have less than 10,000 in savings!4 your savings from potentially high out-of-pocketexpenses5 due to a serious illness or injuryuuCRITICAL ILLNESS INSURANCE (details start on page 10) can helpyou pay for costs that can really add up.That’s important because 62% of bankruptcies are based on amedical event.3 Even worse, 78% of those who experienced medicalbankruptcies had health insurance.3All coverages are issued by The Prudential Insurance Companyof America (Prudential).
The power of an NJEA-endorsed programAs an NJEA member, you understand the power of the Association. Bycoming together, you can have an even greater impact on educationin New Jersey and create even stronger professional opportunities.The NJEA Disability Insurance Plancovers disabilities such as:uuPregnancyThe power of the Association works with insurance, too. NJEA hasdesigned Group Disability and Critical Illness Insurance Programsto help protect members and their families during all stages of theircareer (or life).uuIllnessSince 1953, NJEA has offered a program to help protect members’income. We’ve made our programs:uuMental and behavioral healthuuAffordable: Group plans through an association like the NJEAare generally less expensive than individual plans.uuConvenient: Premiums are automatically deducted fromyour paycheck.uuMember-focused: Benefits from your NJEA Program are usually morecomprehensive and less restrictive than other (available) plans.And, our plans pay cash benefits that are income tax-free whenmonthly deductions are paid with after-tax dollars. (IRC Section 104.)Help protect your paycheck and savings today, or increaseyour coverage.Did you know that uuNJEA plans pay cash benefits.uuPregnancy is covered as any illness.uuAccidental injuryuuCancer-relatedFYI about this coverageuuCoverage begins on the first day of the month after we collectone full monthly deduction, provided you’re actively at work.We’ll collect monthly deductions for 10 months (based on theschool year), but you’ll be covered for 12 months.uuAfter you’ve been disabled for three consecutive months, we’llwaive your monthly deductions while keeping coverage ineffect. We’ll allow delayed payments for up to 30 days if workis interrupted or pay is delayed due to a job action.uuIf you collect disability benefits and return to work, and thenbecome disabled again for the same cause, each recurrentdisability will be considered part of the same disability claim ifyour return to work occurs within 30 days for PruProtect Six-Monthand Two-Year, and within six months for PruProtect Plus, fromthe initial absence. You won’t have to satisfy additional eliminationperiods before benefits can start.uuNJEA plans pay in addition to sick leaveand continue when sick leave is exhausted.uuOpen Enrollment opportunities generally occuronly once every three years.uuBenefits do not automatically increase as your salaryincreases, so check your benefit level often.3
Choose the disability insurance that fits your needsAll these plans offer solid paycheck coverage. You’re in the best position to decide which benefits meet your needs.Consider when benefits begin (called an elimination period) and how long they last.4PruProtect Six-MonthPruProtect Two-YearCompare thePlan FeaturesA short-term disability plan that may be a good choice for thosewho seek a short-term income replacement solution. Membersclose to retirement age or with other resources to cover longterm absences may want to select this plan.Provides additional coverage for those who want coverage beyondsix months and seek a short-term income replacement solution.Members close to retirement age or with other resources to coverlong-term absences may want to select this plan.When DoBenefits Begin?Benefits for a covered disability are payable followingeither a 14-day or 60-day elimination period.Benefits for a covered disability are payable following either a14-day or 60-day elimination period.How Long DoBenefits Continue?Benefit payments continue for up to six months, provided youremain disabled and are treated by a licensed physician.Benefit payments continue for up to two years, provided youremain disabled and are treated by a licensed physician.What Is aCovered Disability?You are considered disabled when you are unable to performthe material and substantial duties of your own occupation,and you have a 20% or more loss in monthly earnings due tothe same sickness or injury, excluding sick leave pay.You are considered disabled when you are unable to performthe material and substantial duties of your own occupation,and you have a 20% or more loss in monthly earnings due tothe same sickness or injury, excluding sick leave pay.What IsPartial Disability?If you are disabled and return to work part time, you willcontinue to receive a monthly payment, based on thepercentage of income you are losing due to your disability.If you are disabled and return to work part time, you will continueto receive a monthly payment, based on the percentage of incomeyou are losing due to your disability.How May BenefitsBe Reduced?Monthly benefit payments will be reduced by other sources ofincome, such as workers’ compensation, but not by pension,Social Security Disability Benefits, or sick leave pay. Yourbenefits will never be less than 10% of your monthly benefitor 100, whichever is greater.Monthly benefit payments will be reduced by other sources ofincome, such as workers’ compensation, but not by pension,Social Security Disability Benefits, or sick leave pay. Yourbenefits will never be less than 10% of your monthly benefitor 100, whichever is greater.What Is a Pre-ExistingCondition?A disability that begins during the first 12 months and is dueto a pre-existing condition is excluded. A pre-existing conditionis one that was diagnosed or treated during the three monthsprior to the effective date of your coverage.A disability that begins during the first 12 months and is due to apre-existing condition is excluded. A pre-existing condition is onethat was diagnosed or treated during the three months prior tothe effective date of your coverage.Will Your Payment BeAdjusted by a Cost ofLiving Increase?Only available with PruProtect PlusOnly available with PruProtect PlusBenefits forYour SurvivorsOnly available with PruProtect PlusOnly available with PruProtect PlusVoluntary VocationalRehabilitation ProgramOnly available with PruProtect PlusOnly available with PruProtect PlusSocial Security ClaimantAssistance ProgramOnly available with PruProtect PlusOnly available with PruProtect PlusYour Monthly Benefitand DeductionYour monthly deduction is based on your monthly benefitamount. You can select a monthly benefit amount in 100increments from 500 to 6,500, up to a maximum of 662/3%of your monthly salary. See the Monthly Deduction charts onpage 7 to determine your monthly deduction.Your monthly deduction is based on your monthly benefitamount. You can select a monthly benefit amount in 100increments from 500 to 6,500, up to a maximum of 66 2/3%of your monthly salary. See the Monthly Deduction charts onpage 7 to determine your monthly deduction.
PruProtect PlusCompare thePlan FeaturesA combined short- and long-term disability plan with maximum coverage. This plan covers you until age 65, helping to protect you foryour working life. It also lets you select your elimination period. The longer the elimination period, the lower your monthly deduction.Members with a large number of accrued sick days or other financial resources may prefer a longer elimination period.When DoBenefits Begin?Benefits for a covered disability are payable following the elimination period you choose—14, 30, 90, or 180 days.How Long DoBenefits Continue?Benefit payments continue, provided you remain disabled and are treated by a licensed physician, until age 65 if disability beginsbefore age 60. If your disability begins at age 60 or later, benefits continue beyond age 65 according to a specified schedule.What Is aCovered Disability?You are considered disabled when you are unable to perform the material and substantial duties of your own occupation due to your sicknessor injury; and you have a 20% or more loss in your indexed monthly earnings due to that sickness or injury, excluding sick leave pay. After24 months of payments, you are considered disabled when Prudential determines that due to the same sickness or injury, you are unable toperform the duties of any gainful occupation for which you are reasonably fitted by education, training, or experience. A gainful occupationis expected to provide you with an income of at least 662/3% of your indexed monthly earnings within 12 months of your return to work.What IsPartial Disability?If you are disabled and return to work part time, you will continue to receive a monthly payment, based on the percentage of incomeyou are losing due to your disability.How May BenefitsBe Reduced?Monthly benefit payments will be reduced by other sources of income, such as workers’ compensation, Social SecurityDisability Benefits, retirement disability benefits, and your employer’s retirement plan (but not from your retirement contributions).Monthly benefit payments will not be reduced by sick leave pay. Your benefits will never be less than 10% of your monthly benefitor 100, whichever is greater.What Is aPre-Existing Condition?A disability that begins during the first 12 months and is due to a pre-existing condition is excluded. A pre-existing condition is onethat was diagnosed or treated during the three months prior to the effective date of your coverage.Will Your Payment BeAdjusted by a Cost ofLiving Increase?Prudential will make a cost of living adjustment (COLA) on July 1 if you are disabled and not working on that date and have beendisabled for all of the 12 months before that date.Your payments will increase on that date by 3%. You will not receive more than 5 cost of living adjustments while you continue toreceive payments for your disability.Benefits forYour SurvivorsAdditional benefits are payable to your survivors in the event of your death. If you have been disabled for 180 days or more and diewhile receiving benefits, your spouse or children under age 25 will receive a lump sum totaling three times your gross disability payment.Voluntary VocationalRehabilitation ProgramOur vocational rehabilitation specialists can work with your doctor to help your return-to-work efforts. If you participate in aPrudential-approved vocational rehabilitation program, there are other benefits available:uuAn additional benefit of 10% of your current monthly benefit (if your benefit is less than the maximum monthly benefit), for up to 6 monthsuuDay-careexpenses, up to 500 per child per month, for up to 6 monthsuuEducation costs for higher education, up to 200 per eligible student per month, for up to 24 monthsSocial Security ClaimantAssistance ProgramWe will work with you to help you receive any Social Security disability benefits to which you are entitled.Your Monthly Benefitand DeductionYour monthly deduction is based on the elimination period you choose, the monthly benefit amount you select, and your age. You canselect from four elimination periods: 14, 30, 90, or 180 days. And you can select a monthly benefit amount in 100 increments from 500 to 6,500, up to a maximum of 662/3% of your monthly salary. See the Monthly Deduction charts on pages 8 and 9 to determineyour monthly deduction.5
Choose the plan and benefitamount that fits your needsNJEA Income Protection Pluscan help protect you.“No one wants to go through the worst time of theirlife, and during that period, no one wants to talkabout it. Defend it. Admit to it.Back in November, I crashed. Calling Prudential wasone of the hard calls I had to make and I was beyondfortunate when I was assigned to Andrew.The respect, patience, and professionalism heshowed with each phone call meant more to me thanI can say. I am choked up now thinking about howhard those phone calls were for me and how he madethem bearable. Respect is a quality people eitherhave or lack. Andrew possesses that quality, alongwith kindness and compassion.Thank you for being a strength that helped meget back on my feet. Years ago, I signed up withPrudential when a girlfriend was diagnosed withcancer and went without pay through her extendedtreatment period. I never foresaw the path my lifewould take, and that is my lesson of insurance.The payments were a drop in the bucket. Thebenefit was immeasurable.”— D.E., NJEA Member6Your monthly deduction is based on your Benefit Amount. You canchoose a Benefit Amount in 100 increments from 500 to 6,500,up to a Maximum Monthly Benefit of two thirds of your salary. Youmay select the maximum monthly benefit, or any lower amount, tofit your needs.See how the loss of your paycheck would impact your financialwellness with the Disability Insurance Needs eds.A few things to know if you currently havedisability coverage:1. You may want to check your benefit level; benefits don’tautomatically increase as your salary increases.2. You can increase your current disability coverage up to 500per month during a school visit without health questions.3. Use the charts on the right to find the Maximum Monthly BenefitAmount for your salary. Then, follow across the chart to find theMonthly Deduction.To find the Maximum Monthly Benefit Amount for salariesnot shown:uuDivide your annual salary by 12 to find your monthly salary.uuThen multiply your monthly salary by .667 and round down tothe next 100 increment.
PruProtect Six-MonthSalaryMonthlyBenefit 9,000 50018,0001,00027,00036,00045,00054,00014-Day Elimination PeriodMonthlyDeduction60-Day Elimination PeriodMonthlyDeductionPaycheckDeduction(Ten deductionsper year)PaycheckDeduction 19.35 9.68 8.15 75(Ten deductionsper 9552.98T o find your Monthly Deduction for an amount not shown, just multiply your desired Maximum Monthly Benefit Amount by 0.0387for 14-Day Elimination Period or 0.0163 for 60-Day Elimination Period.PruProtect Two-Year14-Day Elimination PeriodMonthlyDeduction60-Day Elimination PeriodMonthlyDeductionSalaryMonthlyBenefit 9,000 500 32.10 16.05 24.70 144.45222.30111.15(Ten deductionsper year)PaycheckDeduction(Ten deductionsper 65321.10160.55T o find your Monthly Deduction for an amount not shown, just multiply your desired Maximum Monthly Benefit Amount by 0.0642for 14-Day Elimination Period and 0.0494 for 60-Day Elimination Period.uuDisability Period minus Elimination Period Total Days PaidExample: 6 weeks (6x7) 42 days minus 14 day Elimination Period 28 Days PaidPruProtect Plus, which combines both short- and long-term coverage, begins on the next two pages.7
PruProtect Plus Combined Short & Long Term Plan up to Age 65Decide which Monthly Benefit meets your needs.Find the chart that corresponds to your age. Find the Maximum Monthly Benefit Amount for your salary. You may select the maximum monthlybenefit or select any lower amount that fits your needs. Follow across the chart and choose an elimination period to see your Monthly Deduction.Your Monthly Deduction will change as you get older and move into the next age group.Ages less than 40*AnnualSalaryMonthlyorMonthlyPerBenefit Paycheck 9,000 0099,0005,500108,0006,000117,0006,500PruProtect PlusTen Monthly Deductions/Year30Days180DaysA
Oct 06, 2019 · THE NJEA DISABILITY INSURANCE PLAN. helps ensure that if you can’t work, you may still be able to afford to pay for things like the rent, mortgage, health insurance premiums, child care, your cellphone, car payments, college tuition, and retirement. Research s
