Disability Insurance

Short-Term Disability (100% paid by Employee)
The Madison Metropolitan School District’s Short-Term Disability (STD) plan provides 66.67% of salary continuation for benefits-eligible employees that enroll in the STD plan and are disabled and unable to work. This is a voluntary benefit and premiums are paid 100% by the employee.  

Generally, the plan begins paying benefits after a 14-calendar day waiting period. If you do not sign up for the STD plan when you are first benefits eligible, you can enroll during the District’s Open Enrollment period (October 15 – November 15) for coverage to start January 1 of the following year.  However, if you wait to sign up for the STD plan during the Open Enrollment period, you may be subject to a 60-calendar day waiting period for certain conditions during the first 12 months you are enrolled.  During the waiting period, you can use accumulated time off benefits (such as Personal Illness time) to supplement your income, or you can take the time off unpaid. Benefits start after the waiting period and end after 75 calendar days or when you become eligible for long-term disability benefits, whichever comes first.   

For information on filing a short-term disability claim, click on the resource to the right.   

Note: Teachers are not eligible to enroll in Short-Term Disability since teachers are eligible to use the Teacher Sick Leave Bank. See Addendum A of the Employee Handbook for more information on the Teacher Sick Leave Bank.  

Long-Term Disability (100% paid by MMSD)
The Madison Metropolitan School District long-term disability (LTD) plan provides salary continuation for all benefits-eligible employees.  Premiums are paid 100% by the District. The LTD plan provides up to 80% salary continuation if you become disabled and are unable to work in your own occupation.  The plan begins paying after a 75-calendar day waiting period.  During the waiting period, an employee can use accumulated time off benefits (such as Personal Illness time) to supplement their income or take time off unpaid.  Benefit eligible employees are automatically enrolled at no cost to the employee.
 
Benefits are payable under the LTD plan up to age 65 for employees 61 years and younger. Starting at age 62, the maximum benefit period begins decreasing.  If you are disabled and unable to work, see the resource to the right on How to File an LTD claim.  

Contact Information
You can contact MMSD’s disability insurance carrier, The Standard, at 844-505-6021 to start your claim or speak to a claims adjustor.

Have Questions? Contact the Benefits Helpdesk at benefits@madison.k12.wi.us or at (608) 663-1692