Disability Insurance

Disability Insurance

If you experience an injury or illness that prevents you from working, disability insurance provides partial income replacement to assist you financially.

Short-Term Disability (STD)

Short-Term Disability coverage, through Unum, provides you with a portion of income replacement if you are unable to work due to a non-occupational illness or injury. You are automatically enrolled in STD at no cost to you. Coverage is effective the
first day of the month following your date of hire.

Short-Term Disability (STD)
Percent Earnings Weekly Maximum Elimination Period Maximum Duration
60% $3,000 30 days 150 days during a
12-month period

Voluntary Long-Term Disability (LTD)

Long-Term Disability pays you a portion of your earnings if you cannot work for an extended period of time due to a disabling
illness or injury.

You will continue to receive benefits until you no longer meet the definition of disability or reach your Social Security Normal Retirement Age. Benefits are reduced by other sources of disability income you may qualify for such as Social Security and Workers’ Compensation.

Voluntary Long-Term Disability (LTD)
Percent Earnings Monthly Maximum Elimination Period
60% $10,000 6 months

When to Enroll

You may purchase LTD coverage as a new hire or during Open Enrollment.

  • New Hire: You do not have to provide proof of good health. The coverage you elect will be effective the first day of the
    month following your date of hire.
  • Open Enrollment: You must provide proof of good health to Unum for approval before coverage begins.
Your Rights

This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The State of Colorado reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.

Your Benefits Team

Division of Human Resources
303-866-3434 or 800-719-3434 state_benefits@state.co.us

Your Department’s Human Resources Office: Benefit Administrator List


State of Colorado emblem