Page 18 - Work Force April 2016

Let’s Talk Disability
Most CSEA Members DON’T receive Disability
Insurance protection from their employer.
WhilesomeCSEAmembers may be offered disability insurance they can pay for through their employer, very few have automatic coverage for disabilitiesthatoccuroutsideof work.
If you think you’re covered for a disability, think again...
Workers’ Compensation Covers Only About 5 Percent of Disabilities
Workers’ Comp covers job-related injuries, but almost 90 percent of disabilities result from illness, not accidents. An additional 5 percent are injuries that happen off the job, and therefore wouldn’t qualify for either.1
Social Security Disability Benefits can be Difficult to Qualify For
A person can only qualify for SSDI if they can’t work due to a severe medical condition that has lasted, or is expected to last, at least a year or result in death. For those who do not qualify, the average monthly benefit is$1,165,barelyabovethepovertylevel.2
Look for the “Let’s Talk Disability” campaign in mailers, brochures, events, emails, social media and more throughout 2016. We’re here to help you get protected!
1 2014 CDA Long Term Disability Claims Review, Council for Disability Awareness, 2014
2 The Facts About Social Security’s Disability Program, US Social Security Administration, 2015
The CSEA group Disability Plan is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR.
Learn more today* at CSEAdisabilityprotection.com! Or, speak with your CSEA group disability insurance rep at 877-847-2732
*including features, costs, eligibility, renewability, limitations and exclusions. #162293
SAVE on membership to your BJ’s Wholesale Club!
This offer is only available to CSEA members through the BJ’s Corporate Sales Rep Program during special quarterly open enrollment periods.
Access applications for the 2016 special enrollments at:
cseany.org/bjs-discount
or call: 1-800-342-4146, ext. 1359
Remaining 2016 open enrollment periods:
• April 1-14 • Oct. 1-14 • July 1-14
18 The Work Force April 2016