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Benefits: Insurance: Disability Benefits

Disability Benefits
Filing Claims
Other Sources of Income
Plan Provisions

Disability Benefits

The State's Disability Program can help replace a portion of your income if you're ever unable to work due to a disability.

Disability benefits are provided to ISU benefit eligible employees, coverage begins when your Basic Life coverage becomes effective. The cost of the coverage is provided by the State as a portion of your Basic Life policy.

Plan Provisions

To qualify for Short Term Disability (STD) and Long Term Disability (LTD) benefits, you must meet the plans' definition of Total Disability or Residual Disability as defined in the Contract. This means:

• For the first 30 months of disability, you're unable to perform the essential functions of your regular occupation and unable to earn more than 70% of your monthly salary.
• After 30 months of disability, it means you're unable to perform the essential functions of any occupation for which you are or may reasonably become qualified based on your education, training or experience and you are unable to earn more than 60% of your monthly salary.

Plan	Waiting Period	Maximum Benefit Period
Short Term Disability, benefits equal 60% of monthly pre-disability salary	The longer of: 30 continuous days of Total Disability, or 30 Continuous days of Residual Disability, or The expiration of all accrued sick leave earned at the date of Disability	26 continuous weeks following the date of Total Disability, or Residual Disability as defined by Principal Life Insurance Company, less the Waiting Period
Long Term Disability, benefits equal 60% of your pre-disability monthly salary. Maximum benefit $3,750 per month	The longer of: 26 continuous weeks of Total Disability or Residual Disability, or The exhaustion of all sick leave earned as of the date of Total Disability or Residual Disability	For each employee who becomes Totally Disabled or Residually Disabled (as defined by Principal Life Insurance Company) prior to age 70, benefits payable until the attainment of age 70 For each employee who becomes Totally Disabled or Residually Disabled between ages of 70 and 75, benefits are payable until the earlier of (a) recovery or (b) twelve months of benefit payments under this contract; For each employee who becomes Totally Disabled at age 75 or older, benefits are payable until the earlier of (a) recovery or (b) six months of benefit payments under this contract

 

Other Sources of Income

Benefits from the State's disability plans are reduced by income from other sources you or your dependents receive or are eligible to receive. Plan benefits plus the other income will combine to replace up to -- but no more than -- 60% or you pre-disability monthly salary.

Examples of other sources of income include:

• Workers' Compensation
• Social Security
• Unemployment benefits
• Employment rehabilitation earnings
• Certain retirement benefits

Filing Claims

To apply for disability plan benefits, file a claim form as soon as possible, preferably within 20 days after the start of your disability. To obtain a Disability Claim form, contact the Office of Group Insurance at (800) 531-0597 or by sending an Email to ogi@adm.state.id.us. After you and your physician have completed the form, submit the claim directly to the Office of Group Insurance.