Chances are you already purchase home and auto insurance to protect against the loss of or damage to property. So what steps have you taken to help shield yourself and your loved ones from an unexpected loss of income? Would you be able to meet your financial obligations if you became disabled and unable to work?

Both LTD and STD insurance are designed to pay a benefit to you in the event you cannot work because of a covered illness, injury or pregnancy. These benefits replace a portion of your income, thus helping you meet your financial commitments in time of need. Hennepin County automaticaly enrolls you in LTD insurance unless you waive coverage. They also provide you the opportunity to purchase Voluntary Short Term Disability.

Disability facts - Did you know?

The risk of disability is greater than most people think. And if you're like most people, you probably think disability is something that only happens to someone else. Here are the facts:

• A disabling injury occurs every 1.3 seconds - on and off the job. That's over 63,000 every day, more than 23 million every year.¹
• Three in 10 workers entering the workforce today will become disabled before retiring.²
• Over 6.8 million workers are receiving Social Security disability benefits; almost half are under age 50.³

STD and LTD Insurance Plan Highlights

The STD and LTD plans are designed to work together. Take a moment to review the plan highlights below.

STD Plans	LTD Plan
Benefit formula Option 1: Flat $250 weekly benefit Option 2-5: 60% of predisability earnings, reduced by deductible income	Benefit formula - the lesser of 60% of your monthly earnings or 70% of your montly earnings reduced by income from other sources (i.e. Social Security, PERA).
Eligible Employees may choose 1 of the 5 STD Plans	Eligible Employees are automatically enrolled in LTD insurance, unless participation waived
Benefit waiting period - 7, 14, 30, or 45 days, depending on the STD plan you select and cause of disability	Benefit waiting period - 90 days
Minimum weekly benefit - $100	Minimum monthly benefit - Greater of $100 or 10% of your monthly LTD benefit reduced by your deductible income
Maximum weekly benefit - $ 2000	Maximum monthly benefit - $8,500
Maximum benefit period - 90 days - minus your benefit waiting period, - minus accrued leave if leave balances extend   beyond waiting period.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, as well as STD plan options you may select from, please review the STD page, Short Term Disability Insurance Booklet, and Certificate of Insurance. For additional information on LTD please visit the LTD page, review the Long Term Disability Insurance Booklet and Certificate of Insurance.

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¹ National Safety Council, 2005-2006 Injury Facts

² Social Security Administration, Fact Sheet 2007

³ Social Security Administration, Fact Sheet 2007

Note: The information contained in this website is not, and should not be considered, a contract of employment or guarantee of benefits nor is it intended to have a legally binding affect. In the event there is an inconsistency between the information contained on this site and the official documents that govern the plans, the official plan documents will prevail. Hennepin County reserves the right to change, modify, amend or terminate the plans it sponsors at any time and for any reason.

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