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Disability Inruance - file tab

Facts About MOSERS Long-Term Disability Insurance

[Posted on 09/24/2015 at 11:24 AM]

Long-term disability (LTD) insurance through MOSERS is a valuable benefit that most state employees don't know about until they need it. Here's a reminder of some of the highlights of LTD insurance:

  1. Ensures income replacement during disability: After your benefit waiting period, you will get 60% replacement of your pre-disability earnings less any deductible income.
  2. The state provides LTD insurance at no cost to you: Your monthly LTD insurance premiums will be paid for by your employer (unless you are on an approved leave of absence).
  3. 24 Month "Own-Occupation Provision": After 24 months, you must be disabled for any occupation that fits within education, training or experience to continue to receive LTD benefits.
  4. Continue to accrue credible service toward retirement benefits: For retirement purposes only, you will continue to accrue service and salary credit while receiving disability benefits (as if you were still working).
  5. Survivor benefit: If you die while receiving LTD benefits, The Standard will pay a lump-sum survivor benefit equal to three times your monthly LTD benefit without reduction by deductible income.
  6. Workplace Possibilities program: Standard Insurance Company will assist members in staying at their jobs by providing accommodations at their workplace, such as a modified workstation, special chair, or ergonomic keyboard.

For more information, view our online video on LTD benefits or read the Long-Term Disability handbook.

*MOSERS’ long-term disability benefits are not available to employees of state colleges and universities (except State Technical College of Missouri and Lincoln University).

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Missouri State Employees' Retirement System
Address: 907 Wildwood Dr., Jefferson City, MO 65102 Phone: 800.827.1063 URL: Email: Founded On: September 1, 1957