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Long-Term Disability Insurance

St. Michael-Albertville Schools provides long-term disability (LTD) insurance for all eligible staff working 20 or more hours per week. The LTD policy is an income protection plan that allows an employee to continue to receive 2/3 of their base salary in the event the employee becomes totally disabled and is unable to work for more than 90 consecutive days.

Employees have the opportunity to enroll upon becoming eligible for benefits, and no evidence of insurability is required during this initial window. After the initial eligibility window, employees must complete an Evidence of Insurability form and receive insurance carrier approval before coverage may be added.  

Certificates of Coverage 

The information listed above provides a brief overview of STMA's LTD insurance policy. For full details on coverage, please access the appropriate certificate of coverage for your employee group from the list below: