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Group Disability Insurance

Group Disability Insurance for MN Townships

The Minnesota Association of Townships endorses over 4,500 township officers who could be covered through the Township Disability Insurance plan, which is administered by the Minnesota Benefit Association.

With an affordable Township Group Disability plan available, your family and your assets could be protected should you become disabled. Officers who are otherwise uninsurable, can now can have peace of mind knowing the Township Group Disability will help.

Benefits
  • Eligibility
    Township officers must be actively engaged in Township responsibilities. Employees must work 20 or more hours per week (1000 hours per year).
  • Elimination
    If you become disabled, there is an elimination period before benefits are payable.
  • Your benefits begin
    • On the 15th day of your disabling injury
    • On the 31st day of your disabling illness
  • Included rehabilitation Incentives
    • Work incentive
    • Rehabilitation Program Incentive
    • Family Care Incentive
    • Moving Expense Incentive
  • Total Disability 
    Due to a sickness, or as a direct result of accidental injury:

    • the member is receiving Appropriate Care and Treatments and complying with the requirements of such treatment, and
    • Is unable to earn more than 80% of their pre-disability earnings at their own occupation for any association, and
    • Is unable to perform each of the material duties of their own occupation
Exclusions
  • We will not pay for any disability caused or contributed to by:
    • War, whether declared or undeclared, or act of war, or participation in an insurrection, or rebellion
    • Your active participation in a riot
    • Intentionally self-inflicted injury
    • Any injury for which you are entitled to benefits under Workers’
    • Compensation or a similar law
    • Attempted suicide
    • Commission of or attempt to commit a felony
  • We will not pay for any disability caused or contributed to by:
    • Cosmetic surgery or treatment primarily to change appearance
    • Reversal of sterilization;
    • Liposuction
    • Visual correction surgery
    • Any injury for which you are entitled to benefits under Workers’
    • Compensation or a similar law
    • Attempted suicide
    • In vitro fertilization, embryo transfer procedure, or artificial insemination. However, pregnancies and complication from any of these procedures will be treated as a sickness

No questions, no exams, no hassles – your township needs only to enroll!

Click here to download the brochure.

How to Enroll

Enrolling is easy! Simply complete the fours steps listed below to enroll.

    1. Download and complete the enrollment resolution form. Be sure to check the box indicating which plan your township has chosen.

Click Here to Download Enrollment Form

  1. Complete the census information for your township officers. If you choose to insure employees, complete that section also.
  2. Submit a check for the annual premium, along with the enrollment resolution.
  3. Mail to: Minnesota Benefit Association
    6701 Upper Afton Road
    Woodbury, MN 55125

If you have any questions or would like more information regarding the Township Group Disability Insurance Program, please contact Minnesota Benefit Association:

Downloads

Group Disability insurance coverage is provided under the terms of a group disability insurance policy, Group Policy #225751-1-G, issued and delivered in the state of Minnesota to the Minnesota Benefit Association as the policyholder.