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Short and Long Term Disability coverage is available to most benefits eligible employees to help protect your income and assets.

Disability Brochure (pdf version) - Highlights of the benefits provided under each disability plan

Short Term Disability (STD)

Short term disability insurance pays you a portion of your salary if you cannot work because of a disabling illness, injury, or pregnancy. Benefits are payable for up to 26 weeks as long as you remain totally disabled.

Long Term Disability (LTD)

Long term disability insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. Long Term Disability Insurance benefits begin after you have been totally disabled for a period of time known as the elimination period. It is the latter of 6 consecutive months or the exhaustion of any Employer-sponsored short term disability benefits.

Please note: Long term disability and special basic life coverage are combined for employees covered by the Manager's Plan and certain employees covered in the Commissioner's Plan. These combined benefits are called the Income Protection Plan (IPP).

Resources and Claims information

Long Term Care insurance

Long-Term Care (LTCi) insurance pays for a variety of services for people who are unable to care for themselves due to an injury such as a paralysis from a car accident, a chronic illness such as arthritis, an acute episode such as a stroke, or a cognitive impairment like Alzheimer's disease. Long term care services may include assistance in a home, adult day care center, an assisted living facility, or nursing home.

New enrollments into LTCi are no longer available as of February 1, 2016.

Employees who had enrolled in LTCi may continue the coverage currently in place. Employees enrolled in this coverage must pay CNA directly for their LTCi premiums.


Plan documents and certificates are available on the Ochs Inc. State of Minnesota employee landing page.

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