Long-term disability (LTD) insurance

2021 information | 2020 information

About Standard

For over 100 years The Standard has been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. We believe you deserve to live and work feeling confident in tomorrow. We challenge ourselves to go above and beyond to serve you every day. Not as a number or a policy—but as a person. At The Standard, caring about people is a core value reflected in our commitment to the communities where our employees live and work. From donating millions of dollars to volunteering thousands of hours each year with schools, food banks and other organizations, The Standard and our employees make a difference in the communities we call home. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of disability insurance benefits. We are proud of our track record of financial strength, stability and the value we bring to our insured membership.

2021 information

Webinars

The Standard is hosting webinars during open enrollment. The webinars start at 4 p.m. through Zoom. Registration is required. After registering, you will receive a confirmation email containing formation about joining the webinar. 

If you are unable to attend a live webinar, you can watch an on-demand presentation.

Plan details

SEBB-eligible employees will receive a basic level of LTD coverage at no cost. The basic LTD coverage insures 60 percent of the first $667 of your monthly predisability earnings, up to a maximum benefit of $400. Basic LTD benefits start after the longer of: the end of the 90-day benefit waiting period, the period of sick leave or other salary continuation, and/or the end of the Washington State Paid Family Medical Leave benefit period.

Supplemental LTD replaces more of your income than basic LTD. If you are eligible for SEBB benefits, you can purchase supplemental LTD insurance coverage for yourself. The supplemental LTD coverage insures 60 percent of the first $16,667 of monthly predisability earnings, up to a maximum benefit of $10,000. Supplemental LTD benefits start after the longer of: the end of the 90-day benefit waiting period, the period of sick leave or other salary continuation, and/or the end of the Washington State Paid Family Medical Leave Act benefit period.

From October 26 through November 23, 2020, eligible school employees have a one-time opportunity to enroll and purchase supplemental LTD during the SEBB Program's annual open enrollment. Here are the advantages of enrolling in supplemental LTD during this one-time opportunity:

  • Online enrollment via SEBB My Account. Normally, you would have to use a paper form to enroll in supplemental LTD outside of the usual 31-day enrollment period.
  • No evidence of insurability. Proof of good health is not required during the 2020 plan year when enrolling in SEBB supplemental LTD coverage for the first time.
  • Pre-existing condition coverage. Coverage for pre-existing conditions will be provided under the Continuity of Coverage provision for employees who had prior LTD coverage through December 31, 2019.

Supplemental LTD coverage elected during the 2020 annual open enrollment period will be effective January 1, 2021. If you haven’t enrolled in supplemental LTD yet, now is a great time to consider enrolling in this important benefit.

Pre-existing exclusion period details

The pre-existing condition exclusion period is the 12-month period that begins with your effective date of LTD coverage. A pre-existing condition is a mental or physical condition for which you or a reasonable prudent person would have: consulted a physician or other licensed medical professional, received medical treatment, services or advice, undergone diagnostic procedures, or taken prescribed drugs or medications at any time during the 90-day period just before your LTD insurance becomes effective.

Generally, a pre-existing condition would be excluded for 12 months from the date your LTD insurance became effective. During this one-time enrollment opportunity, the Continuity of Care provision will apply for prior LTD coverage you had the ended on December 31, 2019. See the plan's certificate of coverage for details about the Continuity of Coverage provision.

If you had prior LTD coverage through December 31, 2019, the Continuity of Coverage provision will apply. For example:

  • Jessica had 12 months of continuous supplemental LTD coverage before joining SEBB that ended on December 31, 2019. She enrolls in SEBB supplemental LTD coverage during the one-time enrollment opportunity, and her coverage is effective January 1, 2021. Jessica’s pre-existing condition exclusion period will begin on January 1, 2021 and the Continuity of Coverage provision will apply.

If you didn’t have prior LTD coverage through December 31, 2019, your 12-month SEBB LTD pre-existing condition exclusion period will begin January 1, 2021 and the Continuity of Coverage provision will not apply.

2020 information

SEBB eligible employees will receive a basic level of LTD coverage at no cost. The basic LTD coverage insures 60 percent of the first $667 of your monthly predisability earnings, up to a maximum benefit of $400. Basic LTD benefits start after the longer of: the end of the 90-day benefit waiting period, the period of sick leave or other salary continuation, and/or the end of the Washington's Paid Family Medical Leave Act (PFMLA) benefit period.

Supplemental LTD replaces more of your income than basic LTD. SEBB eligible employees can add to basic LTD by purchasing supplemental LTD. The supplemental LTD insures 60 percent of the first $16,667 of monthly predisability earnings, up to a maximum benefit of $10,000. Supplemental LTD benefits start after the longer of: the end of the 90-day benefit waiting period, the period of sick leave or other salary continuation, and/or the end of the Washington's Paid Family Medical Leave Act (PFMLA) benefit period.

Contact information

Phone: 1-833-229-4177

Visit their website