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Short-term and Long-term Disability

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Short Term Disability

The City offers voluntary Short Term Disability (STD) insurance to all eligible employees through Madison National. The STD benefit pays employees a percentage of their monthly earnings if they become disabled due to a nonwork related illness or injury. Evidence of Insurability (EOI) will be required if benefit is not elected at initial offering.

Short Term Disability (STD) Benefits

  • The STD program offers a benefit of 50% of an employee’s weekly earnings, subject to a benefit maximum of $1,000 per week.
  • An employee must be disabled for 14 days prior to becoming eligible for benefits (known as the elimination period).
  • Benefit payments will commence on the 15th day of disability.
  • The maximum benefit period is 26 weeks. Please Note: Benefits are not taxable and premiums are deducted on a post tax basis.

Long Term Disability

The City offers voluntary Long Term Disability (LTD) insurance to all eligible employees through Voya Financial Services. The LTD pays employees a percentage of their weekly earnings if they become disabled due to an illness or injury. Evidence of Insurability (EOI) will be required if benefit is not elected at initial offering. Long Term Disability (LTD) Benefits

  • The LTD program offers a benefit of 60% of an employee’s monthly earnings, subject to a benefit maximum of $5,000 per month.
  • An employee must be disabled for 180 days prior to becoming eligible for benefits (known as the eligibility period).
  • Benefit payments will commence on the 181st day of disability.
  • Employees may continue to be eligible for benefits if they return to work on a part-time basis.
  • Benefits will be reduced by other income.
  • Employees maximum benefit period will be determined by their age at the time of disability.

Please Note: Benefits are not taxable and premiums are deducted on a post tax basis.