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How do I continue my health, dental, vision, and life insurances while on a Medical Leave if I am covered by Long Term Disability (LTD) and covered under FMLA?
Your health, dental, vision, and dependent life insurance premiums will continue to be deducted from your paycheck while you use leave credits and remain on payroll.
Once you are no longer receiving a paycheck, the Employee Benefits Division (EBD) will mail you a (CS-1820) Application to Continue Insurances that includes the plans (health, dental, vision, and life) that are eligible for continuation. You must select the insurance plans you wish to continue and return the application to EBD.
HEALTH INSURANCE/ LONG TERM DISABILITY (LTD)
- LTD is administered by Sedgwick.
- LTD will pay your entire health insurance premium for up to 6 months if you are receiving LTD.
- LTD does not cover dental and vision premiums.
- Dental and vision coverage will be extended through the last day of the pay period when your FMLA ends.
- If you are no longer receiving a paycheck while covered under FMLA, your coverage for dental and vision will continue and your share of premiums will be deducted from your paycheck once you return to work.
- Once FMLA is exhausted, if you elected to continue your dental and vision coverage on the CS-1820 form, EBD will mail you an invoice. You will be responsible for making a direct payment for coverage to continue.
- Employee and Dependent Life Insurance coverage continues while on LTD and premiums are waived.
- For more information on Life Insurance coverage, review the benefit booklet on the EBD website at www.michigan.gov/employeebenefits.
If you have questions on the Application to Continue Insurances form (CS-1820), contact EBD at 1-800-505-5011.