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There will be an open enrollment for our income protection/disability insurance program at the NJEA Convention on Nov. 7 and 8.  Any member who is physically present will be able to enroll for coverage up to two-thirds of salary or to increase monthly benefit by up to $500 without the need to answer health questions.

Alternatively, a member may apply at any time with the need to answer health questions, which could require medical underwriting, bloodwork, and may be denied coverage.  Open enrollments are clearly the preferred time to apply.