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, <br /> LONG TERM DISABILITY INSURANCE <br /> Employees may enroll in long term disability insurance within the first 30 days of employment <br /> without a evidence of insurability. Benefits begin on the fourth month of a disability and are <br /> payable to age 65 for injury, sickness or pregnancy. You may elect coverage up to 60% of your <br /> monthly income. (Review enclosed information sheet regarding LTD) <br /> SHORT TERM DISABILITY INSURANCE <br /> Employees may elect short term disability by calling a Colonial Representative at 763-420-8600. <br /> Deferred Compensation <br /> Several deferred compensation plans are available to employees. These plans allow employees <br /> to have pre-tax dollars deducted from their paycheck to be set aside for retirement. Detailed <br /> information and enrollment forms can be obtained from the Finance Department The 3 plans <br /> also have their own web site so you can review the investment options: <br /> MN State Retirement Plan @ w��-w.mndcplan.com or <br /> Nationwide Retirement Solutions web site @ www.nrsforu.com , and <br /> ICMA @ www.icmarc.orQ . <br /> Flexible Spendi�� Accounts <br /> This plan is administered by Stanton Group and is designed for employees to have pre-tax <br /> dollars deducted from their paycheck to pay for unreimbursed medical costs not covered by your <br /> existing health care provider or dependent care reimburseinent. <br /> Direct Deposit <br /> Direct deposit is required. <br />