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Disability Insurance


Eligibility Coverage Cost Forms FAQs

After a 90day elimination-period (begins with onset of disability), the long-term disability  (LTD) benefit pays you 60% of your regular income (up to a maximum of $6,000 per month) if you become disabled due to a covered illness* or accident.  As long as your disability remains, the benefit will continue until age 65 or your Social Security Normal Retirement Age, whichever is later.  Because your LTD premium is taxed, your benefit will not be taxed so the 60% payment should be comparable to your net pay. 


*Disabilities resulting from mental disorders and substance abuse have additional limitations and requirements. 

LTD Brochure

St. Louis County Certificate

Arrowhead Regional Corrections Certificate

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If you don't find the answer to your question in the FAQs below, direct it to:

Beth Menor, Benefits Advisor
218-725-5056 or

New Questions will be added to the FAQs.