|Benefit||Paid (with 15 days/vacation)||Unpaid (with 15 days/vacation)||Notes|
|Medical/Dental||Same as if you were working for first 31 days of leave||Pay full cost after 31 days; can continue dependent coverage only for 18 months; Employee can continue coverage for 24 months under USERRA.||Contact Employee Benefits for dependent rates. Employee Benefits will bill for coverage.|
|Life Insurance (Basic, Employee Additional, Spouse, and Child Life)||Same as if you were working||Pay full cost; can continue all or a portion of the coverages. Employee Benefits will bill for 18 months.||AD&D provision will not be payable for basic or employee additional life.|
|AD&D (Separate Policy) (Employee, Spouse)||Cannot be continued longer than 90 days from start of leave||Cannot be continued longer than 90 days from start of leave||AD&D provision will not be payable for employee but spouse partner coverage would be payable.|
|Short Term Disability (CS/BU employees)||Same as if you were working||Can be continued for one year||Excludes injuries or accidents due to war|
|Long Term Disability (CS/BU employees)||Same as if you were working||Can be continued for one year||Excludes injuries or accidents due to war|
|Academic Disability Program (Faculty & P&A employees)||No benefit payable while on leave||No benefit payable while on leave||University would cancel the coverage when off payroll|
|Long-term Care Coverage||Same as if you were working||CNA or John Hancock will direct bill participant while off||Premiums are currently paid to plan. Must notify plan with any address changes.|
|Health Care and/or Dependent Day Care Flexible Spending Account||Same as if you were working||Can pre-pay contributions in order to submit eligible expenses while on leave; otherwise it is discontinued. Will be resumed if you return before end of calendar year unless you discontinue it due to a family status change.||Contact Employee Benefits for information or to make arrangements for pre-pay well in advance of last paycheck.|
|Minnesota State Retirement System (MSRS)||Same as if you were working||Contributions are discontinued while on leave||Entitled to make-up contributions|
|Faculty Retirement Plan (FRP)||Same as if you were working||Contributions are discontinued while on leave||Entitled to make-up contributions|
|Optional Retirement Plan and 457 Deferred Compensation Plan||Same as if you were working||Contributions are discontinued while on leave||Entitled to make-up contributions|
Can I cancel benefits while on leave?
Yes. If you wish to cancel coverage at a later date, you may contact Employee Benefits. Any benefits that are canceled while you are off the payroll cannot be reinstated until you return to active employment.
What do I do when I return to active employment?
When you return to active employment (if within five years), all basic and optional insurance coverage will be reinstated without proof of good health. Your medical and dental coverage and basic life insurance are automatically reinstated, and the University’s contribution will commence the first day of the payroll period including the date of return to active employment. Coverage for dependents will also be automatically reinstated, unless you notify Employee Benefits to cancel coverage when you return to work.
Retirement plan contributions missed during the military leave can be made up if repaid in the lesser of five years or three times the length of military service. The University would make up its portion if you elect to make contributions within these special limits.
For more information, contact:
Employee Benefits Service Center at 612-624-9090 8647 or 800-756-2363
Press option 1 for questions about benefits or email [email protected]
Note: If you or your dependents continue coverage while on leave of absence, please keep your address updated in the University system. Employee Benefits will send bills to the address provided.