This optional benefit provides you with a portion of your monthly insurance salary if illness or injury keeps you from working. To be eligible for benefits, a physician must certify you as totally disabled. The length of time you receive benefit payments depends on your age at the onset of the disability.
Dearborn National is the third party administrator for disability insurance. This coverage is not available to family members or retirees.
Dearborn National website (855) 377-5433
Calculate your premium rates.
Active employees are eligible for disability insurance. Family members and retirees are not eligible.
Employees on leave of absence are eligible to continue coverage by paying premiums directly to ERS.
Sign into your account and select Post Hire Change to make changes for new employees or rehires. Otherwise, you may sign up if the election of coverage is consistent with a qualifying life event (within 31 days) or during Annual Enrollment. Disability EOI approval is required to enroll.
During Annual Enrollment, log in to your account and select Benefits Enrollment to make changes. If you need assistance, contact your benefits coordinator, Health and Human Services Employee Service Center, or ERS.
Coverage Period Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled.
Eligibility for benefit
Waiting periodBefore the plan begins to pay you benefits, you must use your sick leave balance, extended sick leave, and sick leave pool, or finish a 180-day waiting period, whichever option is a longer period of time. Sick leave use and waiting period run concurrently.
This benefit includes a preexisting conditions clause.
Proof of good health, called evidence of insurability (EOI), is not required to enroll in disability insurance during your first 31 days of hire, rehire, or transfer.
After the first 31 days, Disability EOI approval is required to enroll.
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