University of Minnesota
Office of Human Resources

Short-term Disability Insurance

2015 Rates

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% 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.

Partial Disability Benefits

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% or less of your covered weekly earnings. If your work earnings are equal to or exceed 80%, 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% of your pre-disability earnings.

Eligibility and Enrollment

As a newly eligible employee, you may enroll online within 30 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% of your salary.

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 at a later date, you will need to provide medical evidence of insurability.

Making a Claim

Making a claim for disability (pdf)