Long-Term and Short-Term Disability Benefits
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.
Long-Term and Short-Term Disability Benefits Information
Short-Term Disability
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.
- 2024-2025 Short-Term Disability Benefits
- 2023-2024 Short-Term Disability Benefits
- 2022-2023 Short-Term Disability Benefits
- Short-Term Disability Tools
Long-Term Disability
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.
- 2024-2025 Long-Term Disability Benefits
- 2023-2024 Long-Term Disability Benefits
- 2022-2023 Long-Term Disability Benefits
- Long-Term Disability Tools
2024-2025 Short-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2024-2025 Short-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2024-2025 Short-Term Disability Rates | 04/01/2024 | |
| 2024-2025 Short-Term Disability Certification of Coverage | 04/01/2024 | |
| 2024-2025 Short-Term Disability Calculator | 04/01/2024 | Excel |
2023-2024 Short-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2023-2024 Short-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2023-2024 Short-Term Disability Rates | 04/01/2022 | |
| 2023-2024 Short-Term Disability Certification of Coverage | 04/01/2022 | |
| 2023-2024 Short-Term Disability Calculator | 04/01/2022 | Excel |
2022-2023 Short-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2022-2023 Short-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2022-2023 Short-Term Disability Rates | 04/01/2022 | |
| 2022-2023 Short-Term Disability Certification of Coverage | 04/01/2022 | |
| 2022-2023 Short-Term Disability Calculator | 04/01/2022 | Excel |
Short-Term Benefits Tools
| Description | Last Revised | Format |
|---|---|---|
| Short-Term Disability Member Welcome | 04/01/2023 | |
| Key Short-Term Disability information | 04/01/2023 | |
| Group Disability Insurance-Evidence of Insurability Form | 04/01/2023 | |
| Submit Short-Term Disability Claims | 04/01/2023 |
2024-2025 Long-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2024-2025 Long-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2024-2025 Long-Term Disability Certificate of Coverage | 04/01/2024 | |
| 2024-2025 Long-Term Disability Calculator | 04/01/2024 | Excel |
2023-2024 Long-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2023-2024 Long-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2023-2024 Long-Term Disability Certificate of Coverage | 04/01/2023 | |
| 2023-2024 Long-Term Disability Calculator | 04/01/2023 | Excel |
2022-2023 Long-Term Disability Benefits
| Description | Last Revised | Format |
|---|---|---|
| For 2022-2023 Long-Term Disability Plan Information, see Open Enrollment Options Guide. | Online | |
| 2022-2023 Long-Term Disability Certificate of Coverage | 04/01/2022 | |
| 2022-2023 Long-Term Disability Calculator | 04/01/2022 | Excel |
Long-Term Benefits Tools
| Description | Last Revised | Format |
|---|---|---|
| Long-Term Disability Member Welcome | 04/01/2023 | |
| Key Long-Term Disability information | 04/01/2023 | |
| Group Disability Insurance-Evidence of Insurability Form | 04/01/2023 | |
| Submit Long-Term Disability Claims | 04/01/2023 | |
| Long-Term Disability Portability Application | 04/01/2023 |
- 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.