Long-Term/Short-Term Disability Benefit

PROVIDER: UnitedHealthcare

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.

Plan Options:


Short-Term Disability (STD) provides a tax-free payout of up to 60% of your weekly paycheck as of the 1st day of injury or the 8th day of a sickness if you experience a qualifying disability and are unable to perform your job duties.  This can continue for up to a Maximum of 26 weeks.

2022-23 Short-Term Plan Information

2021-22 Short-Term Plan Information

2020-21 Short-Term Plan Information

STD Tools

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.

2022-2023 Long-Term Plan Information

2021-2022 Long-Term Plan Information

2020-21 Long-Term Plan Information

LTD Tools





  • UnitedHealthcare creates and publishes the Machine-Readable Files on behalf of State of Nebraska. To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com (website note available until July 2022)
  • 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.
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