NJEA Income Protection Plus plans help protect you and the lifestyle you’ve worked hard to create.

The group disability insurance program is issued by The Prudential Insurance Company of America, Newark, NJ.

A disability that begins in the first 12 months and is due to a pre-existing condition is excluded.

The pre-existing condition limitation only applies to the increase(s) in your plan.

To receive benefits, please call 800.727.3414, option 1, to report your disability directly to Prudential’s claims department.

A pre-existing condition is one that was diagnosed or treated during the three months prior to the effective date of your coverage.

PruProtect Six-Month

Yes, benefits are reduced by Worker’s Compensation.

PruProtect Two-Year

Yes, benefits are reduced by Worker’s Compensation.

PruProtect Plus

Yes, benefits are reduced by Worker’s Compensation, Social Security Disability, and your pension benefits.

PruProtect Six-Month and PruProtect Two-Year

Age has no effect on the benefits of these two plans.

PruProtect Plus

Benefits for disability beyond age 65 for disabilities beginning on or after age 60 are based upon the Federal Age Discrimination Act.

Yes, you may transfer your coverage between New Jersey school districts within 120 days. Please contact us to help you in your move to your new employer.

Educators Insurance Services representatives are available to answer your questions at 800.727.3414, option 3.

Yes, it is treated as any other sickness. A disability that begins in the first 12 months and is due to a pre-existing condition is excluded.

Your effective date is the first of the month after one full monthly deduction has been made.

Benefits begin after you have satisfied your elimination period.

It is the number of days at the beginning of your disability before benefits begin.

No, benefits are paid 365 days a year. Therefore, weekends, holidays and the summer are all included.

You may enroll within the first 120 days of NJEA membership without proof of good health (pre-existing condition limitation still applies).

During School Visit Enrollments, typically once every three years, you may enroll within 60 days of the meeting without proof of good health (pre-existing condition limitation still applies).

Enrollment outside of a School Visit Enrollment requires proof of good health that could include medical tests (pre-existing condition limitations applies). If you are denied coverage, you may still enroll during a subsequent School Visit Enrollment in your building.