If a school district has a need, chances are
that PSBA has a service, expert or program to meet that need.
When Something Happens Out of the Blue
The disability income protection plans offered through PSBA Insurance Trust are available to administrative employees, certified and non-certified teachers, and other non-certified employees working a minimum of 20 hours per week. We are able to offer this coverage through Assurant Employee Benefits.
Long-Term Disability Income Protection
Options:
Premier
Our original plan requires full integration of sick days with the elimination period. Benefits do not begin until the elimination period is met AND all accumulated sick days are exhausted.
Standard
Once the elimination period is satisfied the employee then chooses to EITHER start receiving disability payments or continue using sick days, if available.
Flex
Occasionally school districts need to offer long term disability plans outside the scope of normal underwriting, in order to accommodate these special plans the PSBA Insurance Trust now offers a program with very flexible benefit structuring.
Short-Term Disability Income Protection
This benefit is typically offered with first day coverage for accidents and a 7 day elimination period for sickness. The benefit is usually a small weekly amount to help employees who do not have enough sick days accumulated to reach the elimination period for a long term disability plan.
Plan Features
- Family care expense credit
- Qualifying period interruption
- Conversion privilege
- General freeze on benefit reduction
- Rehabilitation benefit
- Integration of benefits
Advantages
The disability income protection plans available through the Pennsylvania School Boards Association Insurance Trust offer the following advantages to participating school districts:
- Easy administration with minimal record keeping
- Fast, professional attention to claims
- The option of selecting coverage for all employees or specific classes of employees
- Affordable coverage designed to meet the needs of school district budgets
For more information about our disability plans please contact us. |
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