Voluntary Individual Disability Income Insurance

You and your family rely on your income every day. That’s why protecting it is so important to Iowa State University. We’re pleased to offer you an opportunity to supplement your group long-term disability (LTD) insurance with individual Disability Income insurance from Principal®, which currently insures our LTD and life insurance coverage, too. 

LTD insurance covers all benefit-eligible Iowa State employees after a year of employment. It pays 63% of the budgeted salary of a disabled employee, and those payments are taxable income. Individual Disability Income insurance is designed to help boost the monthly payments you’d receive if you become too sick or hurt to work, increasing the amount closer to your working salary.

Because the individual Disability Income insurance policies are offered directly from Principal, the policy can continue even if you no longer work at Iowa State. You can elect at any time to add, drop, or change the coverage, but evidence of insurability may be required.

The voluntary coverage isn't subsidized by Iowa State, and the premiums can't be paid with ISU payroll deductions. Personalized premiums—which vary based on salary, coverage amount, and other factors—reflect a discount offered to ISU employees but are paid directly to Principal®.

Watch this video to see why protecting your income is important. Principal has also prepared a short video presentation that further explains the benefits to you as an Iowa State employee.

If you’d like more details specifically designed for you, please click on this link and request a proposal: https://www.patternlife.com/iowa-state.


Pattern is not affiliated with any member of the Principal Financial Group®.

Disability insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392.

Disability insurance has limitations and exclusions. For cost and coverage details, contact your Principal® representative.