Educator Options Voluntary Disability Insurance

Flexible Income Protection For School Employees

Educator Options Group Voluntary Disability insurance provides school employees (grades K-12) with the opportunity to purchase coverage at competitive group rates and allows them to tailor benefits to fit their personal needs.

Educator Options offers traditional Long Term Disability (LTD) combined with certain Short Term Disability (STD) features. As with our traditional LTD insurance, Educator Options pays a monthly benefit to eligible employees who are partially or totally disabled. But Educator Options also adds popular STD features like reduced benefit waiting periods. Additionally, Educator Options enhances our traditional coverage by addressing specific concerns of school employees, including

  • Leaves of absence;
  • School breaks and vacations; and
  • Summer earnings.

Plan administration with Educator Options is simplified because one plan can meet all disability insurance needs. And with premiums paid by employees through payroll deductions, it's easy for them to get the coverage they want without significantly impacting an employer’s bottom line.

For employees, it's all about choice.

  • Three Maximum Benefit Periods are available – Social Security Normal Retirement Age, 2 or 5 years.
  • Six accident/sickness Benefit Waiting Periods are available – 0/7, 14/14, 30/30, 60/60, 90/90 and 180/180.
  • Monthly Benefit Amounts may be selected in $100 increments, from as little as $200 up to the lesser of $8,000 or 60% of predisability earnings.

Educator Options is a wide-ranging income protection plan that includes the following features.

90-Day Preexisting Condition Waiver
For the first 90 days of disability, benefits are paid even if the employee has a preexisting condition.

Lifetime Security Benefit
The LTD benefits are extended beyond the regular Maximum Benefit Period for individuals who are severely disabled.1

Family Care Expenses Adjustment
Disabled employees faced with the added expense of family care when returning to work may receive combined income from LTD benefits and work earnings in excess of 100% of indexed predisability earnings during the first 12 months immediately after a disabled employee's return to work.

Reasonable Accommodation Expense Benefit
Subject to The Standard's prior approval, a portion of an employer's expenses from work-site modifications that result in a disabled employee's return to work are paid.

Rehabilitation Plan Provision
Subject to The Standard's prior approval, expenses from training and education, family (child and elder) care and job-search are paid.

Return to Work Incentive
For the first 12 months after returning to work, the employee's LTD benefit will not be reduced by work earnings until work earnings plus the LTD benefit exceed 100% of predisability earnings.

Survivor Benefit
Payment to specified dependents of the insured are made to help address a family's financial need in the event of the disabled employee's death.


1 Only available with the Social Security Normal Retirement Age option.

Employers may include these additional options.

First Day Hospital Benefit
The Benefit Waiting Period will be satisfied if an insured employee is admitted as a hospital inpatient for at least four hours.2

Dependent Education Benefit
A monthly benefit will be provided for disabled employees who have children or a spouse enrolled, full time, in an accredited institution beyond high school.

Occupational Exclusion
This cost-saving feature may be added to limit coverage only to disabilities that occur off the job.


2 Option only available with Benefit Waiting Periods of 30 days or less.