Long-term disability (LTD) insurance

Long-term disability insurance is available to PEBB Continuation Coverage (Unpaid Leave) subscribers who are on approved educational leave or called to active duty in the uniformed services. These benefits are not available to other kinds of unpaid leave.

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.

Employer-paid LTD insurance

You may self-pay your employer-paid long-term disability (LTD) insurance coverage when you are on approved educational leave or called to active duty in the uniformed services. These benefits are not available to other kinds of unpaid leave.

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. You may continue to self-pay your employee-paid LTD insurance coverage when you are on approved educational leave or called to active duty in the uniformed services. These benefits are not available to other kinds of unpaid leave.

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.

Coverage documentation

• Plan highlights
• LTD premiums
• Benefits Booklet
• Decision support tool