When should I submit a claim for Short and Frequently Asked Questions [Cont.] Long Term Disability benefits? Do I get my same job back when I return You should submit a claim for Short Term Dis- from leave? ability benefits as soon as you become disabled and anticipate that you will meet the Your same position is protected for up to 60 elimination period of your policy. days of unpaid leave (may vary by union con- tract) or for as long as you are covered under You should submit a claim for Long Term Disabil- FMLA, whichever is greater. After that, you ity benefits at least one month prior to the end of would be eligible to return to another position in your six-month elimination period. your classification, but not necessarily to your original position. Both paid and unpaid time count toward the elimination period. What is Short Term Disability Insurance? If you are eligible, you should apply for disability Short Term Disability Insurance is designed to benefits, even if you are receiving payments temporarily replace a portion of your income in through Workers Compensation. the event you are unable to work due to a dis- Medical Leave of ability. Employees have the option to purchase Although your disability insurance benefit will be offset by certain types of income you receive, Short Term Disability Insurance at their own cost through the County. Short Term Disability including sick leave, vacation, or workers com- Absence Guide Insurance is available with a 30, 60, or 90 day pensation pay, both plans pay a minimum elimination (waiting) period. monthly benefit of $50 to employees who qualify. You must use paid sick leave, if available, dur- Contact HR Benefits at 651/266-2733 for more ing the elimination period. (Use of vacation is information about disability insurance and how to submit a claim. This pamphlet provides basic optional.) After the elimination period is com- information about medical leaves of pleted, you must continue to exhaust paid sick absence, as well as where to get leave, but you may bank up to 40 hours for fu- Where can I get more information on the disability insurance plans? more information and assistance. ture use. You should refer to your relevant After satisfying the elimination period, you are You can find more information on the disability union contract and/or County Bene- eligible to receive a non-taxable benefit equal plans in the Employee Benefit Plan Reference fits Policies for additional informa- to 60% of your gross pre-disability income for Guide and the Certificates and Summaries of tion. This summary is based on up to 26 weeks from the date of disability. Coverage. These documents are available on Ramsey County policies and plans (Note: disability payments will be offset by other RamseyNet under Employee Resources/Benefit as they currently exist. They are sources of income.) Information, or from your Department Benefit subject to change. Representative. What is Long-Term Disability Insurance? Other Resources: Ramsey County provides Basic Long Term ◊ Public Employees Retirement Assn. (PERA) Ramsey County Human Resources Disability Insurance for each benefits-eligible 651-296-7460 www.mnpera.org 50 W. Kellogg Blvd., Suite 1020 employee, with a taxable benefit of 40% of your ◊ Social Security Administration St. Paul, Minnesota 55102 gross pre-disability income if you are disabled 800-772-1213 www.socialsecurity.gov for more than six months. Employees may pur- May 2009 chase coverage for an additional 20% of non- This guide provides a brief summary of Ramsey County policies and plans as they currently exist. They are subject taxable income replacement. to change. Ramsey County Benefits Policies, and some Eligibility ◊ If you anticipate being off work for at least union contracts, also contain a provision pro- one year, contact the Public Employee Re- viding FMLA-Equivalent leave to care for a Medical leaves of absence for the employee’s tirement Association (PERA) about eligibility person regularly residing in the household. own illness may be paid or unpaid. Employees for a PERA disability pension, and call Social earn sick leave that can be used for qualifying Security concerning disability retirement What happens to my insurance cover- paid leaves. Employees are eligible for an unpaid benefits. You should also call HR Benefits at age while I’m on an unpaid leave? Medical Leave of Absence of up to two years af- 651-266-2731 about eligibility for retiree in- ter their paid sick leave is exhausted. surance. Medical and Dental Insurance. For most unpaid leaves of absence, including Work- Procedures ◊ Contact your Supervisor as soon as possible ers Compensation, the County contribution when you are able to return to work. You continues for the month in which you last ◊ Inform your supervisor as soon as possible may need to provide a statement from your have paid time and for the following month. that you will need a paid or unpaid medical medical provider attesting to your fitness to You will still be responsible for your portion leave, even if you have enough paid time to return to work. of the insurance premium. cover your leave. ◊ Notify your Department Benefits Representa- If your leave qualifies as FMLA, the County ◊ Contact your Department Benefits Represen- tive prior to or on the day you return to work contribution may continue for a longer pe- tative or HR Generalist to complete the nec- to reactivate payroll and insurance. riod of time; the County will determine the essary paperwork associated with your leave maximum length of time you are entitled to a request. Frequently Asked Questions [FAQ] County contribution under both FMLA and County policies.) ◊ Contact your Department Benefits Represen- tative about continuing your insurance cover- What is the Family Medical Leave Act? Contact your Department Benefits Repre- age if you will be on an unpaid leave. The Family Medical Leave Act (FMLA) entitles sentative for more detailed information and employees to take up to 12 weeks (up to 26 to obtain an Unpaid Leave of Absence In- ◊ If you qualify for FMLA, you will receive a No- weeks to care for a military service member surance Coverage form. tice of Eligibility and Certification of Health injured while on active duty) of job-protected Care Provider form. Your medical provider leave during a 12-month period for specified After the County contribution ends, you are must complete and return the FMLA certifica- family and medical reasons. The FMLA leave eligible to continue insurance at your own tion form. This information is available from will be unpaid unless the employee uses vaca- expense under state and federal continua- your Department Benefits Representative or tion, sick leave or floating holidays. Use of tion laws. your HR Generalist. paid time must be in accordance with applica- ble Personnel Rules, Benefits Policies, and Disability Insurance. When determining ◊ If you have elected Short Term Disability In- union contracts. whether to continue or lapse insurance cov- surance and expect to be out of work (paid or erage, you should continue your Short Term unpaid time) for longer than the elimination To qualify for FMLA, the employee must: or Long Term Disability Insurance during the period, contact HR Benefits at 651-266-2733 (1) have worked for Ramsey County for at elimination period if you anticipate that you to obtain a claim form for Short Term Disabil- least 12 months; and (2) worked at least 1250 will be making a claim for benefits. ity Benefits. hours during the 12-month period immediately preceding the request for the leave. Leave Life Insurance. If you became disabled prior ◊ Ramsey County provides Long Term Disabil- may be taken continuously or, in some in- to age 60 and your disability continues for at ity Insurance for all benefits-eligible employ- stances, intermittently. While on FMLA leave, least nine months, you may also be eligible ees. If you anticipate being off work (paid or you are eligible to continue your health and for a disability continuation benefit for life unpaid time) for longer than 6 months due to dental insurance and receive the same County insurance if you have continued to pay the illness or injury, contact HR Benefits at 651- contribution towards the premium you would premium. Contact HR Benefits at 651-266- 266-2733 to obtain a claim form. have received if you were working. 2733 for more information.