The M/C Income Protection Plan is offered to eligible Management Confidential classified employees. The Plan is administered by the Department of Civil Service. Insurance benefits are provided by Metropolitan Life Insurance Company.
The IPP is designed to provide income protection in the event you become unable to work due to illness or injury. In combination with other benefit income such as retirement and Social Security benefits, the IPP provides partial continuation of your income during disability to ease financial burdens and help minimize changes in lifestyle.
The IPP consists of Short Term Disability Insurance (STD) and Long Term Disability Insurance (LTD).
Short Term Disability Benefit
STD benefits are payable for up to six months from the onset of a disability. STD benefits are payable weekly by Metropolitan at 50 percent of your covered weekly salary, not to exceed $961.54 per week and not beyond six months from the onset of disability.
Long Term Disability Benefit
LTD benefits are payable after six months of disability or after the exhaustion of sick leave accruals (and other leave credits if you elect to use them), whichever occurs later. LTD benefits are payable monthly by Metropolitan at 60 percent of your covered salary, not to exceed $5,000 per month, for the duration of disability, but not beyond the earlier of age 65 or death.
Eligibility
Coverage is automatic for new, annual salaried M/C classified employees working at least half-time, with at least six months of NYS service and enrolled in a public NYS or SUNY retirement system.
If appointed to an eligible M/C classified position with prior creditable service, employee has 30 days from date of movement to elect coverage or otherwise forfeit coverage.
Cost of Coverage
The IPP is entirely funded by New York State, so there is no cost to you for this coverage.
More information is available at www.cs.ny.gov/otherben/ipp/ipp.cfm.
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