Disability Insurance
The
State of Minnesota offers life and disability insurance programs benefits to
eligible employees and their eligible family members. Get started by viewing
the Life
and Disability Plan video.
Types of Disability Insurance
Short-Term Disability
Short-term disability (STD) insurance provides you with income when a non-work related injury, illness or pregnancy results in your total disability. Benefits will begin on the first day of a disability due to an accident or on the eighth day of a disability due to illness or pregnancy. Benefits will not be paid for any day you are not under the care of a physician. Benefits will not continue for more than 180 days for any one period of total disability.
More Information:
- About the Plan: Information about the STD coverage including the rates.
Filing a STD Claim
- Employee Claim Process for Short and Long Term Disability
- Carrier: The Hartford
- Phone number to file a claim: 1.800.549.6514
- Policy number to file a claim: 023458
Long-Term Disability
Long-term disability (LTD) insurance
provides you with income when an injury or illness results in your disability
beyond 180 days. Benefits will begin on the 181st day of a total disability due
to an injury, illness or pregnancy and are payable until your normal retirement
age, as stated in the 1983 Social Security amendment, which is determined by
your date of birth.
More Information:
- About the Plan: Information about the STD coverage including the rates.
Filing a LTD Claim
- Employee Claim Process for Short and Long Term Disability
- Carrier: The Hartford
- Phone number to file a claim: 1.800.549.6514
- Policy number to file a claim: 023458
Manager's Income Protection Plan
The
Manager's Income Protection Plan (IPP) is a combined basic life insurance and
long term disability (LTD) benefit available to managerial level employees
covered by the Manager’s Plan and certain employees covered in the
Commissioner’s Plan. Your IPP premium is based on which life insurance coverage
level you choose, the elimination period you choose for your LTD, and your
monthly salary.