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Saint Paul Public Schools, District 625
360 Colborne Street
Saint Paul
MN
55102

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Long & Short Term Disability

Long and Short-Term Disability Insurance

Find the Insurance that's right for you!

Use the Securian benefits decision tool, Benefit Scout™, to help you and your family make your insurance elections with confidence.

Long-Term Disability Overview

Long Term Disability (LTD) insurance is available to full-time benefit-eligible employees as determined by their bargaining unit contract.  For participants of the cafeteria plan, long term disability insurance is a core benefit. 

The current LTD carrier is Madison National.  Full-time benefit eligible employees are automatically enrolled in LTD insurance within 30 days of their hire date/eligibility. 

Click here to learn more about Identity Theft Protection

Coverage:

Long Term Disability (LTD) insurance provides income protection if you become disabled due to injury or illness and cannot work for an extended period of time. 

If you have a total disability (see definition below) and cannot work for three months, you will receive a monthly benefit equal to 60% of your pre-disability salary, minus any other income benefits such as workers compensation and Social Security.  (There is a $100 per month minimum LTD benefit for qualifying leaves also covered under workers compensation.)  Benefits are payable after three months (a 90 day elimination period applies) or the end of accrued sick leave, whichever is greater.  The maximum benefit is $6,000 per month.  The plan pays benefits up to age 65 or your "Social Security normal retirement age", whichever is later.  A pre-existing condition exclusion applies to all new entrants.

Definition of total disability:  Inability to perform your regular job or occupation during the first 36 months of disability. After 36 months of disability, total disability is the inability to perform any business or occupation that you might reasonably be trained for considering your education and past experience.

Cost:

The cost of LTD insurance is based on your annual salary.  The current annual rate is $.257 per $100 of annual salary.  For employees participating in the cafeteria plan, LTD is a core benefit so it is required to elect this coverage.  For all other benefit-eligible employees, the district pays your premium for this coverage, so there is no cost to you to elect LTD coverage.

There is also Identity Theft Protection available.  Click here for further information.

 

Video: Long-Term Disability offered by Madison National

Short Term Disability Overview

Short Term Disability (STD) coverage is available on an optional basis to benefit-eligible employees working at least 20 hours per week.  Short term disability (STD) replaces a portion of your pay for medical disabilities while you are out of work due to a non-work-related illness or injury. Benefits for a claim begin on the first day of an accident or the 8th day of an illness,  and continue for a maximum of 3 months (or 6 months for employees who do not qualify for Long Term Disability).

You are eligible to elect coverage up to the lesser of 66.667% of your monthly salary (max $3,000) for each month you are on STD.  Injuries or illnesses covered under workers' compensation benefits are not additionally covered under short term disability.  

 

The current Short Term Disability carrier is Madision National/National Insurance Services (NIS). Benefit eligible employees can enroll in STD insurance within 30 days of their hire date.

After the initial 30-day window, STD insurance can only be added or increased during active enrollment, and will require Evidence of Insurability (EOI) approval.

  • New hire employees are guaranteed issue up to 66.667% of your monthly salary (max $3,000) of your annual salary and do not need to complete the EOI. 
  • Active Enrollment - Employees that add or increase coverage amounts during active enrollment will be contacted by the carrier for additional information that is needed.

There is also Identity Theft Protection available.  Click here for further information.

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