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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.
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.
If you wish to increase your current coverage, you are required to complete a Voluntary Disability Enrollment and Change Form (pdf) and the online Evidence of Insurability Form for Disability Insurance. Both forms must be completed to be considered for coverage. Enrollment requests with incomplete forms will be canceled after 60 days.
You may decrease 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.