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The voluntary short-term disability coverage offered by the University of Minnesota is provided and administered by Life Insurance Company of North America, a Cigna company (hereinafter referred to as Cigna).
Short-term disability insurance provides you with income protection when an injury, sickness, or pregnancy results in your continuous disability.
Benefits are paid from the first day of a disability due to an accident, or the eighth day of a disability due to sickness or pregnancy. The maximum duration of benefits for a disability is 26 weeks.
You may elect an amount to replace up to 66-2/3 percent of your salary, in increments of $100, but no more than $5,000 per month. You pay 100% 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.
If you wish to increase your current coverage by up to $200, not to exceed the maximum allowed, you need to complete a Voluntary Short-term Disability Enrollment Form for 2014 (pdf). Your change will be effective January 1, 2014.
If you are adding more than $200, then you must also complete the online Evidence of Insurability Form for Disability Insurance. Both forms must be completed to be considered for coverage. Changes that are greater than $200 will be effective on the first day of the pay period coinciding with or next following the approval of this application by Cigna. Enrollment requests with incomplete forms will be canceled after 60 days.
You may be eligible for a partial disability benefit when you return to work and are able to perform some but not all of the essential duties of your occupation and your work earnings are 80 percent or less of your covered weekly earnings. If your work earnings are equal to or exceed 80 percent, you are not eligible for a partial disability benefit.
You may receive your unreduced short-term disability benefit plus your work earnings while you are working part-time; however, the combination cannot exceed 100 percent of your pre-disability earnings.
As a newly eligible employee, you may enroll online within 60 days of employment without providing medical evidence of insurability. Also, during the annual benefits enrollment, you may increase your existing short-term disability monthly coverage by up to $200 without evidence of insurability, but not to exceed 66-2/3 percent of your salary.
You may decrease the amount of coverage or cancel coverage at any time during the year. If you wish to enroll again at a later date, you will need to provide medical evidence of insurability.