Disability Insurance

Umbrella indicating disability insurance logo

Two optional disability plans are available to most benefits-eligible employees:

The amounts of terms and disability insurance described apply to most employees but there may be some variations, depending upon the terms and conditions of your employment (If you are covered by the Income Protection Plan, special circumstances apply to you.  Please see the section on “Manager’s Income Protection Plan”).

If you enroll in disability insurance, the premiums are deducted from your paycheck


Types of Disability Insurance
Short-term disability insurance provides you with income when an injury, sickness or pregnancy results in your continuous 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 sickness 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. Benefits are not payable while you are eligible for workers’ compensation benefits. 

You may purchase short-term disability insurance for monthly benefit amounts ranging from $300 to $5,000. Do not purchase more than the amount equal to two-thirds of your gross monthly salary; benefits paid will be capped at that amount. The cost of short-term disability insurance is based on the amount of the monthly benefit you choose.
Long-term disability insurance provides you with income when an injury or sickness results in your continuous disability beyond 180 days. Benefits will begin on the 181st day of a total disability due to an injury, sickness 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. If you are disabled after age 62, another age limit applies; see your insurance plan’s certificate of coverage. 

You may purchase long-term disability coverage in monthly benefit amounts ranging from $300 to $7,000. Do not purchase more than the amount equal to approximately 60% of your monthly salary; paid benefits will be capped at that amount. The cost of long-term disability insurance is based on the amount of the monthly benefit you choose. Long-term disability benefits are offset by other wage replacement benefits to which you may be entitled such as those provided by Social Security Disability or Minnesota State Retirement Disability. The minimum benefit payable is $300 per month or 15 percent of the benefit amount purchased whichever is greater. In no case would you collect more than you purchased.

Long-term disability and special basic life coverage are combined for employees covered by the Manager’s Plan and certain employees covered in the Commissioner's Plan. These combined benefits are called the Income Protection Plan (IPP).  Click here for PDF