Disability Insurance

Short- and Long-Term Disability coverage are available to most employees who are eligible for benefits. For employees who are not managers, the optional disability policies will replace a portion of your wages beyond your sick and vacation balances, if you are unable to work due to an injury or illness. Your monthly cost is determined by the type of plan and amount of coverage you purchase.

Short Term Disability (STD)

Short-term disability insurance helps protect your income when you're unable to work due to a qualifying medical condition, such as an illness, injury, or pregnancy. If you're deemed totally disabled, this coverage provides a portion of your regular earnings for up to 26 weeks.

This benefit is designed to support you during recovery, so you can focus on your health without the added stress of lost income.

Long Term Disability (LTD)

Long-term disability insurance provides income protection if you're unable to work due to a serious illness or injury. If you're considered totally disabled, LTD benefits begin after a waiting period—known as the elimination period—which is the longer of:

• Six consecutive months, or
• The end of any employer-sponsored short-term disability benefits.

This coverage helps ensure financial stability during extended periods away from work.

Note: For employees enrolled in the Manager’s Plan or certain employees under the Commissioner’s Plan, long-term disability and special basic life insurance are combined into a single benefit called the Income Protection Plan (IPP).

Disability Overview Video

Learn more about these benefits on SEGIP's Disability webpage and on MetLife's state of Minnesota webpage.