Long-term disability insurance

The PEBB Program provides long-term disability (LTD) insurance at no cost to employees enrolled in the full benefits package. Additional optional LTD insurance is available for purchase.

Eligibility requirements

The PEBB Program provides long-term disability (LTD) insurance to eligible members through Standard Insurance Company. Eligible members include employees of:

  • State agencies
  • Higher-education institutions
  • Community and technical colleges
  • Employees who work for a PEBB Program-participating school district, tribal government, or employer group that offers both PEBB Program medical and dental coverage.

If you work for a PEBB Program-participating school district, tribal government, or employer group, contact your personnel, payroll, or benefits office to see if this is part of your benefits package.

Optional LTD insurance is not available to seasonal employees who work a season that is less than nine months, or port commissioners.

How to enroll

Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form to your employer’s personnel, payroll, or benefits office. You may enroll in optional LTD coverage within 31 days after becoming eligible for PEBB benefits (generally your first day of employment) without providing evidence of insurability.

If you apply for optional LTD coverage after 31 days, or decrease the waiting period for optional LTD coverage, you must provide evidence of insurability (proof of good health) and Standard Insurance Company must approve your request before your insurance becomes effective.

If applying after 31 days, or decreasing the waiting period for optional LTD coverage:

  1. Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form to your employer’s personnel, payroll, or benefits office.
  2. Complete the Long-Term Disability (LTD) Evidence of Insurability Form and submit it to Standard Insurance Company (at the address on the form).

Basic LTD insurance (automatic)

LTD insurance is designed to help protect you from the financial risk of lost earnings due to serious injury or illness. When you enroll in LTD coverage, it pays a percentage of your monthly earnings to you if you become disabled.

The PEBB Program's full employee benefits package includes basic LTD insurance at no cost to you. It provides:

  • Benefit: 60 percent of the first $400 of your predisability earnings (your monthly base pay), reduced by any deductible income.
  • Minimum: $50/month
  • Maximum: $240/month

Benefits start after 90 days or the period of sick leave (excluding shared leave) for which you are eligible under the employer’s sick leave plan (whichever is longer), and continue during disability up to the maximum benefit period.

Optional LTD insurance (voluntary)

You can build on your basic coverage with the optional LTD Plan. You may need to provide evidence of insurability, depending on what coverage you apply for and when. Optional LTD provides:

  • Benefit: 60 percent of the first $10,000 of your predisability earnings, reduced by any deductible income, and any benefits paid under the basic plan.
  • Minimum: $50/month
  • Maximum: $6,000/month

This plan includes a cost of living adjustment (COLA) provision. Benefits start after the end of the benefit waiting period you choose, or the period of sick leave (excluding shared leave) for which you are eligible under the employer’s sick leave plan (whichever is longer), and continue during disability up to the maximum benefit period. The maximum benefit period is based on the age of the enrollee when he or she becomes disabled.

Definition of a disability

A disability means being unable to perform with reasonable continuity the duties of your job as a result of sickness, injury, or pregnancy during the benefit waiting period and the first 24 months for which LTD benefits are payable.

During this period, you are considered partially disabled if you are working but unable to earn more than 80 percent of your indexed predisability earnings. After that, as a result of sickness, injury, or pregnancy, being unable to perform with reasonable continuity the duties of any job for which you are reasonably able through education, training, or experience. During this period, you are considered partially disabled if you are working, but unable to earn more than 60 percent of your indexed predisability earnings in that occupation and in all other occupations for which you are reasonably suited.

Maximum benefit period

For both basic LTD and optional LTD coverage, the benefit duration is based on your age when the disability begins.

Age Maximum benefit period
61 or younger To age 65, or to SSNRA* or 42 months, whichever is longest
62 To SSNRA* or 42 months, whichever is longest
63 To SSNRA* or 36 months, whichever is longest
64 To SSNRA* or 30 months, whichever is longest
65 24 months
66 21 months
67 18 months
68 15 months
69 or older 12 months

*SSNRA is Social Security Normal Retirement Age, your normal retirement age under the Federal Social Security Act as amended.

Contact

For help with enrollment and premium payments
Your personnel, payroll, or benefits office

For help with benefits or plan details
Standard Insurance Company
Phone: 1-800-368-2860