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 (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


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


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.