University of Minnesota
Office of Human Resources
http://www.umn.edu/ohr
612-625-2016

Long-term Disability Insurance

2014-2015 Rates

The voluntary long-term disability coverage offered by the University is provided and administered by Life Insurance Company of North America, a Cigna company (hereinafter referred to as Cigna).

Long-term disability insurance provides you with income if you are continuously disabled for more than six months (180 days). Coverage continues as long as you are certified disabled by Cigna. The maximum period that you are eligible to receive benefits is up to your Social Security normal retirement age.

You may elect an amount in units of $100 from $300 per month to the lesser of $5,000 or 60 percent of your monthly covered earnings.

You pay 100 percent of the cost of the coverage. Because you pay the premium with after-tax payroll contributions, the benefits you would receive are not subject to FICA, federal, and state taxes.

The minimum benefit paid under the plan will be the greater of $300 or 15% of the benefit purchased.

Note: This coverage is not available to you if you are a faculty or P&A staff member with an appointment 67% time or greater who is covered by the Academic Disability Plan.

Pre-existing Condition Exclusion

Even though you do not need to prove you are in good health, the policy does contain a pre-existing condition exclusion. There is no coverage for any pre-existing medical condition for the first 24 months after the insurance (or increase in insurance) takes effect.

A pre-existing medical condition is any disability which is caused by or results from an injury, sickness, or pregnancy which occurred during the 12 months prior to the date your coverage began or was increased.

This exclusion also applies to disabilities which were diagnosed, or for which medical care was received, during this 12-month period.

Eligibility and Enrollment

As a newly eligible employee, you may enroll online within 30 days of employment or benefits eligibility without providing medical evidence of insurability. You may also apply during the annual enrollment period in the fall, and your new coverage will be effective on January 1 of the new plan year.

As a newly eligible employee or during Open Enrollment, you will make your election online using Employee Self-Service.

Making a Coverage Change

You may decrease the amount of coverage or cancel coverage at any time during the year. If you wish to enroll again or increase the amount of coverage, you will need to wait until the next open enrollment, and the new coverage amount will be subject to the pre-existing condition exclusion.

Making a Claim 

Making a claim for disability (pdf)