Chances are you already purchase home and auto insurance to protect against the loss of or damage to property. So what steps have you taken to help shield yourself and your loved ones from an unexpected loss of income? Would you be able to meet your financial obligations if you became disabled and unable to work?

OEBB and your employer provides you with the opportunity to purchase Short Term Disability (STD) insurance, which is designed to pay a benefit to you in the event you cannot work because of a covered illness, injury or pregnancy. This benefit replaces a portion of your income, thus helping you meet your financial commitments in time of need.

The risk of disability is greater than most people think. And if you're like most people, you probably think disability is something that only happens to someone else. Here are the facts:

• Almost 3 in 10 of today's 20 year olds will become disabled before age 67.¹
• Once someone has been disabled for 90 days, the average length of their disability is two years.²
• At age 35, one has a 50/50 chance of being unable to work more than three months due to a disability before turning 65.³

Use the Needs Estimator to determine if STD insurance from The Standard may be part of the solution for you.

If you are an eligible member, you have the opportunity to protect yourself and your family by purchasing STD coverage at MyOEBB. Before you enroll please review the plan details provided by your employer and the Short Term Disability Insurance Brochure for answers to commonly asked questions, exclusions, limitations and reductions.