Disability Insurance

Short-Term Disability

All eligible employees in the state personnel system are automatically enrolled in the State-paid Short-Term Disability program. This program provides 24 hour coverage for disabilities that occur because of an accident or illness. Note: your short-term disability benefit payment may be reduced or even eliminated by your FAMLI program eligibility.

Colorado Public Employees’ Retirement Association (PERA) also offers a disability program for State employees with five or more years of service who are enrolled in the DB plan. Please contact PERA directly for details.

Long-Term Disability

Employees who work at least 12 hours per week on a year-round basis may apply for the voluntary Long-Term Disability (LTD) program. Coverage is not subject to medical underwriting as long as it’s purchased during the new hire enrollment period. Employees will need to satisfactorily answer health questions to purchase this coverage after the new hire enrollment period. The premium for LTD coverage depends on age, salary and vesting status within the PERA DB retirement plan (if the PERA DB plan is not chosen as your retirement plan, then your PERA DB vesting status is, and will remain, non-vested). Once vested in the PERA DB plan, the employee should contact their Benefits Advisor to change to the lower VESTED LTD premiums. You are responsible for the entire premium for this coverage. Note: your long-term disability benefit payment may be reduced or even eliminated by your FAMLI program eligibility.

PERA also provides a disability program to eligible employees enrolled in the PERA DB retirement plan, as it is part of the survivor and disability benefits associated with that DB program.

Please email benefits@mines.edu for information on eligibility, use, and how to apply.