In Connecticut, municipal teachers are not covered by Social Security, but are covered by a teachers’ retirement system. Benefits are administered by the Teachers’ Retirement Board. The Connecticut system includes a disability allowance. If you are a member of the system, and are no longer able to teach because of a disability, you can apply for a disability allowance. This benefit is not the same as a long term disability policy which your town may offer. There are important differences. Many teachers are unaware of these differences. Many teachers are unaware that a disability allowance even exists. If you are out of work because of a disability, you should speak to a disability attorney about these differences, so you can decide what is best for your particular situation. Speak to an attorney as soon as you become disabled; do not delay. Delay can cost you important benefits.