Disability Insurance


The risk of illness or injury does not discriminate
Consider these statistics

1.  Every 10 minutes 700 Americans suffer an injury severe enough to seek medical help.1
2.  The Social Security Administration estimates that just over one in four of today’s 20 year-olds will become disabled before reaching age 672.
3.  The Society of Actuaries reports that three out of ten workers between the ages of 35 and 65 will be out of work for three months or longer due to an accident or illness. To complicate matters, they also report that if you don’t return to work within 90 days you are likely to be out of work for two years.
4.  40% of all long-term care that is provided is for those under age 60.

An injury can come out of nowhere
Check out some of the reasons for short- and long-term disability claims. Then, click here to see if your local is enrolled in the program.

Imagine if you had a disability - then think about the financial stress of being out of work and having no income for years. You can avoid the disastrous economic impact of being without earned income by enrolling in the MTA Disability Plan. The plan is one of the most competitively-priced group disability income programs for educators in Massachusetts.

Members may need coverage more than they think

Why? Because Massachusetts educators do not pay into Social Security and therefore aren’t eligible for Social Security Disability Income (SSDI). This means they don’t have any protection in place for a long term disability (more than 90 days). Often, educators make the mistake of assuming they have no financial risk because they have accumulated a vast number of sick days or participate in their school district’s sick bank. That is clearly not the case for a large portion of members. Many have not been able to save a substantial number of sick days to cover an extended absence from the classroom. Further, several school districts have seen sick banks run out of days to allocate or are considering eliminating them as a cost saving measure.

You can’t be denied coverage during open enrollment
That’s right. With the MTA plan, there are no medical questions asked when you enroll during open enrollment. All members who are eligible and who apply will be issued coverage. Given the fact that 68% of all Americans have no savings earmarked for emergencies3 it makes sense to take a look at the plans and take advantage of the opportunity to enroll. Planning ahead for unforeseen injuries can help protect your financial future.

If you have specific questions on coverage under the plan, call the MTA Disability Enrollment Line at 877.401.4083.

More than 100 local education associations participate in the MTA disability plan and more than $15 million in benefits has been paid to members since 2001. Don't let your members be without the income protection available to them today - so they have it when they need it. Discover, like local education association treasurer Nate Rono did, that the MTA disability program is one of the most competitively-priced group disability income programs for educators in Massachusetts. It is also one of the most important and most frequently requested MTAB benefit programs.

Flexibility with premium payments

What makes the MTA plans so popular is that they may be offered through either a payroll slot or bank-draft. If you don't have an employer-sponsored program, or if you have members that did not opt for employer-sponsored coverage when they were first hired, find out how easy it is to offer the MTA plan in your local. Call Tom Colbert at 888.646.1972, ext.101 for the quick three-step process. And remember, your members can’t be denied coverage when they enroll during the open enrollment period.

Short- and Long-Term Disability Plan Highlights
Enrollment Form
Short-Term Disability Information
Long-Term Disability Information
Short-Term Disability Claim Form
Long-Term Disability Claim Form


Nate Rono,

Treasurer, Waltham Educators Association

"This plan is superior to anything else out there in terms of pricing and service."

MTA Benefits, Inc., 20 Ashburton Place, Boston, MA 02108-2795 800.336.0990 - Fax: 617.557.6687 - E-mail MTAB
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