2008 Rates

The voluntary short term disability coverage offered by the University is provided and administered by Standard Insurance Company (The Standard). Short term disability insurance provides you with income protection when an injury, sickness, or pregnancy results in your continuous total 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 would be 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.

Partial Disability Benefits

After benefits have begun for total disability, a partial disability benefit may be paid when you return to work and are able to perform some but not all of the essential duties of your occupation and you are earning no more than 80 percent of your pre-disability weekly earnings. The partial disability benefit will equal 80 percent of your pre-disability weekly earnings minus your current weekly earnings, including sick pay. However, the partial disability benefit cannot exceed the maximum monthly benefit for which you are enrolled.

Eligibility and Enrollment

As a newly eligible employee, you may enroll online within 60 days of employment without providing evidence of good health.

However, after 60 days, or if you wish to increase your current coverage, you are required to complete a Voluntary Disability Enrollment and Change Form (pdf) and the online Medical History Statement. You will need the following information: 1) Applicant’s group name: University of Minnesota, and 2) Group policy number: 645272, to complete section 3 of the Medical History Statement, Employment Questions.  

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 evidence of good health.

Making a Claim

Should you become disabled and need to file a claim, you may do so by telephone with The Standard.

How to Make a Claim

For More Information

The Standard Insurance Company