Supplemental Benefits

Life, Long-Term Disability, Short-Term Disability, Critical Illness & Accident

For Life and LTD brochure click HERE

For Dearborn documents and forms click HERE

MUST provides Basic Long Term Disability (LTD) coverage to eligible employees of participating member groups (unless waived by the group prior to 2006) at no additional cost to the member group or the employee. Member groups may enhance this LTD coverage for employees by electing the Employer Paid LTD buy-up.

Basic Life

MUST provides $10,000 of Basic Group Life Insurance coverage to eligible employees of participating member groups (unless waived by the group prior to 2006) at no additional cost to the member group or the employee.  Member groups may enhance coverage for employees by electing the Employer Paid Life and/or the Employee Paid Voluntary Life plans.  MUST Group Life Insurance coverage is not available for retirees or school-board trustees.

Additional Life Options

Employer-Paid Life. This is an additional Life and Accidental Death & Dismemberment (AD&D) policy paid for by the employer. Employers may elect any amount in increments of $10,000 to a maximum of $150,000.

Employee-Paid Voluntary Life Buy-Up. If elected at the group level, an employee can purchase additional Life and AD&D. They can elect any amount in increments of $10,000 to the lesser of $500,000 or four times base annual earnings. Employees can elect up to $100,000 at initial enrollment without submitting Evidence of Insurability.

Voluntary Dependent Life. This is an additional Life policy paid for by the employee who purchases the Voluntary Life Buy-Up. Dependent coverage of $5,000 or $10,000 may be purchased on the spouse and each eligible child.

Critical Illness & Accident

Accidents can happen, but you can minimize their impact. Health insurance will help cover doctors’ costs and medical treatments. But everything else is on you. This is where accident insurance can help.
With easy payroll deductions that will never increase due to age, Accident insurance offers convenient protection to help ease recovery. It could make a huge difference when you and your family need it most. Get covered today, and rest easy tomorrow.

Long-term Disability (LTD)

MUST provides Basic Long Term Disability (LTD) coverage to eligible employees of participating member groups (unless waived by the group prior to 2006) at no additional cost to the member group or the employee.  Member groups may enhance coverage for employees by electing the LTD buy-up and the LTD Employer-paid non-medical plans.  MUST LTD coverage is not available for retirees or school-board trustees.

Basic LTD Plan (paid for by MUST)
LTD benefit: 50% pre-disability earnings
Max monthly benefit: $5,000
Benefit waiting period: 180 days

Member groups (school districts) may enhance this LTD coverage for their active employees by electing an LTD buy-up. The premium for this buy-up is paid by the employer.

LTD Buy-Up and LTD Employer Paid Non-Medical
LTD benefit: 60% pre-disability earnings
Max monthly benefit: $6,000
Benefit waiting period: 90 days

Travel Assistance

Active employees covered under the MUST Medical and LTD coverage have access to a travel assistance benefit. It provides emergency assistance to members and their dependents traveling more than 100 miles from home, and includes such benefits as foreign language assistance, evacuation services, and repatriation services if needed.

To view the travel assistance flyer and wallet card, click HERE.

Short-term Disability (STD)

STD reduces the burden during unstable times. It is a convenient, economical way of securing an income while out of work from an unexpected injury or illness. Preexisting condition exclusion may apply.

Group Paid Short-Term Disability Insurance
STD benefit: 80% of basic weekly earnings
Max weekly benefit: $1,500
Benefit waiting period: 14 days for accident or sickness

Group STD is a guaranteed issue coverage, which requires no health questionnaires to complete.

Employee Paid Short-Term Disability Insurance
STD benefit: 60% basic weekly earnings
Max weekly benefit: $1,500
Benefit waiting period: 14 days days for accident or sickness