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Long-term disability insurance

The PEBB Program offers employer-paid and employee-paid long-term disability (LTD) insurance to employees enrolled in the full benefits package. These benefits are provided through the Standard Insurance Company.

If you are eligible for PEBB benefits, you will be automatically enrolled in employer-paid LTD insurance coverage, even if you waive PEBB medical coverage.

Beginning January 1, 2022, you will also be automatically enrolled in employee-paid LTD coverage. Note: Your PEBB long-term disability benefit is different from the state’s new long-term care benefit, which is called The WA Cares Fund.

Changes to LTD benefit starting January 1, 2022

For the 2022 plan year, all employees will be automatically enrolled in employee-paid LTD insurance with 60-percent coverage of predisability earnings and a 90-day benefit waiting period, unless they are already enrolled at that level. You will not need to provide evidence of insurability. Learn more about this change with FAQs, a fact sheet, and a brochure.

What if I already have supplemental LTD?

If you are already enrolled in employee-paid (formerly called supplemental) LTD insurance, you will continue to be insured for 60 percent of your predisability earnings, up to $16,667 a month. Your benefit waiting period will change to 90 days unless you are already enrolled at that benefit waiting period. Your monthly premium will also change. View the monthly LTD premiums.

See What is employee-paid LTD insurance starting January 1, 2022? for details.

Who is eligible?

The PEBB Program offers employer-paid long-term disability (LTD) insurance to eligible employees of:

  • State agencies
  • Higher-education institutions (including community and technical colleges)
  • Employees who work for a PEBB participating educational service district, tribal government, or employer group that offers both PEBB medical and dental coverage. (Contact your payroll or benefits office to see if this is part of your benefits package.)

If you are eligible for PEBB benefits, you will automatically be enrolled in basic LTD insurance coverage, even if you waive PEBB medical coverage.

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

What is employer-paid (basic) LTD insurance?

LTD insurance protects a portion of your salary if you are unable to work due to serious injury or illness. When you enroll in LTD coverage, it pays you a percentage of your monthly earnings if you become disabled.

If eligible, you will automatically be enrolled in employer-paid LTD insurance, even if you waive medical coverage. You do not need to provide evidence of insurability (proof of good health).

The PEBB Program's full employee benefits package includes employer-paid LTD insurance at no cost to you.

Employer-paid LTD provides:

  • Benefit: 60 percent of the first $400 of your predisability earnings (your monthly base pay), reduced by any deductible income (like Social Security disability).
  • Minimum: $100 or 10 percent of the LTD benefit before deductible income (whichever is greater)
  • Maximum: $240/month

Benefits start after the benefit-waiting period, which is the longer of:

  • 90 days;
  • The entire period of sick leave (excluding shared leave) for which the employee is eligible;
  • The "fractionated period" of paid time off (PTO) for which the employee is 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 the employee is eligible;
    or
  • The end of Washington Paid Family and Medical Leave for with the employee is receiving benefits.

Benefits continue during your disability up to the maximum benefit period. The maximum benefit period is determined by your age when your disability begins.

What is employee-paid LTD insurance starting January 1, 2022?

If you are eligible for employer-paid LTD, you will be automatically enrolled in a plan that covers 60 percent of your predisability earnings (your monthly insured earnings before you become disabled, up to $16,667). If you are already enrolled in employee-paid LTD insurance for 2021, you will remain at the 60-percent coverage level and be transitioned to a 90-day waiting period. You do not need evidence of insurability.

At any time, you can reduce to a lower-cost 50-percent coverage level or decline the coverage. If you later decide to enroll in or increase coverage, you will have to provide evidence of insurability and be approved by the insurer. An increase in coverage takes effect the first day of the calendar month following the date evidence of insurability is approved.

60-percent employee-paid LTD benefit provides:

  • Benefit: 60 percent of the first $16,667 of your predisability earnings, reduced by any deductible income.
  • Minimum: $100/month or 10 percent of the LTD benefit before deductible income, whichever is greater.
  • Maximum: $10,000/month

Benefits start after the benefit-waiting period, which is the longer of:

  • 90 days;
  • The entire period of sick leave (excluding shared leave) for which the employee is eligible;
  • The "fractionated period" of paid time off (PTO) for which the employee is 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 the employee is eligible;
    or
  • The end of Washington Paid Family and Medical Leave for with the employee is receiving benefits.

Benefits continue during your disability up to the maximum benefit period. The maximum benefit period is determined by your age when your disability begins.

50-percent employee-paid LTD benefit provides:

  • Benefit: 50 percent of the first $16,667 of your predisability earnings, reduced by any deductible income.
  • Minimum: $100/month or 10 percent of the LTD benefit before deductible income, whichever is greater.
  • Maximum: $8,333/month

Benefits start after the benefit-waiting period, which is the longer of:

  • 90 days;
  • The entire period of sick leave (excluding shared leave) for which the employee is eligible;
  • The "fractionated period" of paid time off (PTO) for which the employee is 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 the employee is eligible;
    or
  • The end of Washington Paid Family and Medical Leave for with the employee is receiving benefits.

Benefits continue during your disability up to the maximum benefit period. The maximum benefit period is determined by your age when your disability begins.

How do I reduce or decline employee-paid LTD?

Note: Pierce County, Washington Sate University, and University of Washington employees use Workday to make changes.

If you do not actively change your LTD benefit election by December 31, 2021, you will be enrolled in the 60-percent plan with a 90-day waiting period. Premiums will be deducted from your paycheck for January 2022 coverage.

Check with your payroll or benefits office for when the LTD premium will be deducted from your paycheck for January coverage. (The LTD deduction may be prior to January 1, 2022, depending on your employer's payroll cycle.)

How much does employee-paid LTD insurance cost?

View LTD insurance rates. To find your 2022 premium, use the premium calculator on Standard's website.

Coverage level

Higher-education employees retirement plan

TRS, PERS, and other retirement plans

60 percent

0.0059

0.0047

50 percent

0.0035

0.0028

To calculate your monthly premium use the formula below.

Your monthly insured earnings (not to exceed $16,667) x employee type rate = monthly premium.

Your exact premium depends on your retirement plan, monthly base pay (gross earnings before tax and other deductions) and the coverage level you choose. Here are some examples.

60-percent coverage

Examples of base pay

Higher-education employees retirement plan

TRS, PERS, and other retirement plan

$3,000

$17.70

$14.10

$4,000

$23.60

$18.80
$5,000 $29.50 $23.50
$6,000 $35.40 $28.20
$7,000 $41.30 $32.90
$8,000 $47.20 $37.60
$9,000 $53.10 $42.30
$10,000 $59.00 $47.00
$11,000–$16,667 $64.90–$98.34 $51.70–$78.33

50-percent coverage

Examples of monthly base pay

Higher-education employees retirement plan

TRS, PERS, and other retirement plans

$3,000

$10.50

$8.40

$4,000

$14.00

$11.20
$5,000 $17.50 $14.00
$6,000 $21.00 $16.80
$7,000 $24.50 $19.60
$8,000 $28.00 $22.40
$9,000 $31.50 $25.20
$10,000 $35.00 $28.00
$11,000–$16,667 $38.50–$58.33 $30.80–$46.67

What is supplemental (employee-paid) LTD insurance through December 31, 2021?

You can build on your employer-paid coverage by enrolling in supplemental LTD. If you are eligible for employer-paid LTD, you can enroll in a plan for the remainder of 2021.

Depending on the coverage you choose and when you apply, you may need to provide evidence of insurability.

Supplemental LTD provides:

  • Benefit: 60 percent of the first $10,000 of your predisability earnings, reduced by any deductible income (such as Social Security disability), and any benefits paid under the employer-paid LTD plan.
  • Minimum: $50/month
  • Maximum: $6,000/month

Benefits start after the benefit-waiting period, which is the longer of:

  • 90, 120, 180, 240, 300, or 360 days (depending on your election).
  • The period of sick leave (excluding shared leave) for which you are eligible under your employer's sick leave.
  • The period of Washington Paid Family and Medical Leave for which you are receiving benefits.

Benefits continue during your disability up to the maximum benefit period. The maximum benefit period is determined by your age when your disability begins.

How to enroll

What does supplemental LTD insurance cost?

View LTD insurance rates.

Terms and conditions apply

LTD insurance has limitations, including a 12-month exclusion period and a preexisting condition exclusion. Please read your LTD benefits booklet carefully to understand this benefit.

What is the definition of a disability?

Disability is defined as being unable to perform with reasonable continuity the duties of your own occupation 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 the first 24 months, disability as a result of sickness, injury, or pregnancy, means being unable to perform with reasonable continuity the material duties of any gainful occupation 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.

What is the maximum benefit period?

For both basic LTD and supplemental LTD coverage, the length of time you can receive the benefit 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

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

Contact

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

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