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Home » Members » Benefits » Long-Term Disability

Long-Term Disability Insurance

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The following briefly highlights the disability insurance benefits administered by MOSERS. For detailed information, you may download specific publications regarding your long-term disability benefits.

MOSERS' long-term disability insurance benefits are not available to employees of state regional colleges/universities*except Lincoln University and State Technical College of Missouri. Those employers may provide similar benefits.

Benefit Amount

Up to 60 percent* of:

  • Your monthly pay on your last full day of active work; or
  • The average monthly pay for your highest consecutive 36 months of employment (whichever is higher).
  • Less social security and other employer-sponsored income.

When Benefit Begins

Your LTD benefit payments will begin at the end of:

  • The 90-day benefit waiting period; or
  • The end of the period of sick leave you are entitled to through your employer’s sick leave program (whichever is later).

A Possible Alternative to LTD – The Workplace Possibilities Program

The Standard Insurance Company offers the Workplace Possibilities program to assist eligible employees who may be having difficulty performing job duties due to a medical condition by offering consultations that may lead to providing accommodations or services to promote a healthier work place. Examples could include ergonomic evaluation for specialized seating, sit/stand work station (for those who need to change positions frequently throughout the work day), lifting devices, specialized shoes, etc.

Each member’s situation is unique and each member deserves and receives individualized, respectful attention to his or her difficulties. The guiding belief of the program is that work is important and valuable, promotes independence, gives a sense of purpose and contributes to the socioeconomic development of society.

Contact your human resources representative who can provide you with information explaining the Workplace Possibilities program and the related forms. Your human resources representative will also provide the Workplace Possibilities consultant with your contact information, so that an initial contact can be made to answer any additional questions and provide assistance in completing the forms, if necessary. You can Find more information about the Workplace Possibilities program online at

NOTE: Eligibility for LTD insurance ends when you become eligible for normal retirement. Therefore, the Workplace Possibilities Program is not available for employees eligible for normal retirement.


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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