Short-term Disability Insurance
You have the option to buy voluntary short-term disability coverage offered by the University of Minnesota. It 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.
If your claim is approved, 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 in MyU within 30 days of employment without providing medical evidence of insurability, and your coverage will become effective the first day of the month following your first day of employment. 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.