Long-Term/Short-Term Disability Benefit
Long-Term Disability (LTD) and Short-Term Disability (STD) both provide tax-free income if you become disabled and are unable to work due to illness or injury. These benefits provide financial protection when you need it most.
Newly eligible employees can elect either Disability Plan within the first 30 days of eligible employment. You are not required to submit evidence of good health if you enroll during your initial eligibility period.
If you do not elect a Disability Plan during the first 30 days, you will need to complete the Evidence of Insurability form. Coverage will not be in effect until you have been approved by UnitedHealthcare.
Your cost for each coverage is based on your age and salary as of July 1 of each year.
Long-Term Disability (LTD) provides a tax-free payout of up to 60% of your monthly income benefit if you become disabled and are unable to work due to illness or injury. You will have to complete a 6 month elimination period.
2019-20 LTD Plan Information (UnitedHealthcare)
- 2019-20 Long-Term Disability Information & Rates - PDF
- 2019-20 Certificate of Coverage - PDF
- 2019-20 Long-Term Disability Calculator
2018-19 LTD Plan Information (Mutual of Omaha)
- 2018-19 Long-Term Disability Information & Rates - PDF
- 2018-19 Certificate of Coverage - PDF
- 2018-19 Long-Term Disability Calculator
- Group Disability Insurance-Evidence of Insurability Form - PDF
- LTD Claim Form - PDF
- LTD Portability Application - PDF
- This site contains information on coverage available to State employees who are eligible for insurance benefits.*
- The State of Nebraska offers comprehensive insurance benefits to permanent*, full-time employees. Part-time employees who work 20 or more hours are also eligible for insurance benefits. Participation in the State's insurance program is voluntary. The State contributes 79% of the health insurance premium, 100% of the basic life insurance coverage, and 100% of the Employee Assistance Program cost (for participating agencies). All other insurance plans are offered to employees at a group rate.
- Employees' contributions to the health and dental insurance plans are tax-sheltered under Internal Revenue Code 125. Anyone who participates in the health or dental insurance plans will pay their portion of the premium with before-tax dollars, which are automatically deducted from the employee's paycheck. The State also allows permanent employees to participate in two Flexible Spending Accounts, the Medical Reimbursement Account, and/or the Dependent Care Account. *
- As a State of Nebraska employee, you will have the opportunity to select from insurance benefits listed for your specific employee-group type.