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Long-term disability (LTD) insurance

2022 information | 2021 information

About Standard Insurance Company 

Headquartered in Portland, Oregon, Standard is a nationally recognized provider of employee disability insurance benefits. For more than 100 years 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 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 annually to volunteering thousands of hours each year with schools, food banks and other organizations, Standard and our employees make a real difference in the communities we call home. We are proud of our long-standing track record of financial strength and stability and the value we bring to our insured membership. Although we all have unique stories and skills, the remarkable individuals who find their way to Standard are united by their compassion — extending far beyond courtesy — to a genuine desire to help you meet your goals. We challenge ourselves and each other to go above and beyond to serve you — not as a number or a policy, but as a person. Every day.

2022 information

Webinars

Live webinars

Standard is hosting three webinars during open enrollment (through Microsoft Teams). Learn about the changes to your long-term disability insurance benefit. Each webinar is an hour long. A question and answer will be available.

Dates and times

Watch a recorded webinar to learn more about your long-term disability insurance benefit.

Plan details

Eligible employees will receive employer–paid LTD coverage at no cost. The employer–paid LTD coverage insures 60 percent of the first $400 of your monthly predisability earnings, up to a maximum benefit of $240, depending on your predisability earnings and any other deductible income.

Employer–paid LTD benefits start after the longer of: 90 days; the entire period of sick leave (excluding shared leave) for which you are eligible;  the "fractionated period" of paid time off (PTO) for which you are eligible, if your employer has a PTO plan, as those terms are defined in the policy;  the entire period of other non-vacation salaried continuation leave for which you are eligible; or the end of the Washington Paid Family Medical Leave (PFML) for which you are receiving benefits.

Employee–paid LTD replaces more of your income than employer–paid LTD. When you become eligible for PEBB benefits, you are automatically enrolled in employee–paid LTD insurance at the 60-percent coverage level with a 90-day benefit waiting period.

At any time, you may choose to reduce to a lower-cost 50-percent coverage level or decline the coverage.

The employee–paid LTD coverage insures the first $16,667 of your monthly predisability earnings, up to a maximum benefit of $10,000 (at the 60-percent coverage level) or $8,333 (at the 50-percent coverage level), depending on your predisability earnings and any deductible income.

Employee–paid LTD benefits start after the longer of: 90 days; the entire period of sick leave (excluding shared leave) for which you are eligible under your employer's sick leave; the "fractionated period" of paid time off (PTO) for which you are eligible, if your employer has a PTO plan, as those terms are defined in the policy;  the entire period of other non-vacation salaried continuation leave for which you are eligible; or the period of  Washington Paid Family Medical Leave (PFML) for which you are receiving benefits.

2021 information

Plan details

PEBB-eligible employees will receive a basic level of LTD coverage at no cost. The basic LTD coverage insures 60 percent of the first $400 of your monthly predisability earnings, up to a maximum benefit of $240.

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 Paid Family Medical Leave benefit period.

Supplemental LTD replaces more of your income than basic LTD. If you are eligible for PEBB benefits, you can purchase supplemental LTD insurance coverage for yourself. The supplemental LTD coverage insures 60 percent of the first $10,000 of monthly predisability earnings, up to a maximum benefit of $6,000.

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 Paid Family Medical Leave benefit period.

Contact information

Phone: 1-800-368-2860

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