Long-term disability (LTD) insurance

Plan options | 2026 information | 2025 information | About Standard

The information on this page is for employees. View LTD insurance information for Unpaid Leave subscribers. Long-term disability insurance is not available to retirees or COBRA subscribers.

Plan options

2026

Employer-paid LTD insurance

Eligible employees will receive employer–paid LTD coverage at no cost.

Benefit

The employer–paid LTD coverage insures 60 percent of the first $750 of your monthly predisability earnings, up to a maximum benefit of $450, depending on your predisability earnings and any other deductible income.

Benefit waiting period

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 insurance

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.

Benefit

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.

Benefit waiting period

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.

Reduce or decline coverage

At any time, you can reduce to a lower-cost 50-percent coverage level or decline the employee-paid coverage using Benefits 24/7 or by submitting the Long-Term Disability Insurance Enrollment/Change form to your payroll or benefits office. If you later decide to enroll in or increase coverage, you will have to provide evidence of insurability and be approved by the insurer.

2025

Employer-paid LTD insurance

Eligible employees will receive employer–paid LTD coverage at no cost.

Benefit

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.

Benefit waiting period

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 insurance

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.

Benefit

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.

Benefit waiting period

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.

Reduce or decline coverage

At any time, you can reduce to a lower-cost 50-percent coverage level or decline the employee-paid coverage using Benefits 24/7 or by submitting the Long-Term Disability Insurance Enrollment/Change form to your payroll or benefits office. If you later decide to enroll in or increase coverage, you will have to provide evidence of insurability and be approved by the insurer.

2026 coverage documentation

• Plan highlights
• Employee-paid LTD premiums
• Benefits Booklet
• Decision support tool
• How to file a claim

2025 coverage documentation

• Plan highlights
• Employee-paid LTD premiums
• Benefits Booklet
• Decision support tool
• How to file a claim

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. We are proud of our long-standing track record of financial strength and stability and the value we bring to our insured membership. 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.