Long-term disability insurance
The PEBB Program provides long-term disability (LTD) insurance at no cost to employees enrolled in the full benefits package. These employees can also purchase supplemental LTD insurance to protect more of their income in the event of a disability.
On this page
The PEBB Program provides long-term disability (LTD) insurance to eligible members through The Standard Insurance Company. Eligible members include employees of:
- State agencies
- Higher-education institutions (including community and technical colleges)
- Employees who work for a PEBB participating school district, tribal government, or employer group that offers both PEBB medical and dental coverage.
If you work for a PEBB participating school district, tribal government, or employer group, contact your personnel, payroll, or benefits office to see if this is part of your benefits package.
Supplemental LTD insurance is not available to seasonal employees who work a season that is less than nine months, or port commissioners.
Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form to your employer’s personnel, payroll, or benefits office. You may enroll in supplemental LTD coverage within 31 days after becoming eligible for PEBB benefits (generally your first day of employment) without providing evidence of insurability.
If you apply for supplemental LTD coverage after 31 days, or decrease the waiting period for supplemental LTD coverage, you must provide evidence of insurability (proof of good health) and Standard Insurance Company must approve your request before your insurance becomes effective.
If you are applying for supplemental LTD after 31 days, or reducing the waiting period for supplemental LTD coverage:
- Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form to your employer’s personnel, payroll, or benefits office.
- Complete the Evidence of Insurability Form and submit it to The Standard Insurance Company at the address on the form.
LTD insurance helps protect your finances during serious injury or illness. When you enroll in LTD coverage, it pays you a percentage of your monthly earnings if you become disabled.
The PEBB Program's full employee benefits package includes basic LTD insurance at no cost to you. It 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: $50/month
- Maximum: $240/month
Benefits start after 90 days after you use up your sick leave (not including shared leave), whichever is longer.
You can build on your basic coverage by purchasing supplemental LTD. 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 basic LTD plan.
- Minimum: $50/month
- Maximum: $6,000/month
Benefits start after the end of the benefit waiting period you choose, or after you have used up your sick leave (not including shared leave), whichever is longer.
Terms and conditions apply
LTD insurance has limitations, including a 12-month exclusion period and a preexisting condition exclusion. Please read your certificate of coverage carefully to understand this benefit.
A disability means being unable to perform with reasonable continuity the duties of your job because of sickness, injury, or pregnancy during the waiting period and for the first 24 months that you receive LTD benefits.
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 that, you are considered partially disabled if, as a result of sickness, injury, or pregnancy, you are unable to perform with reasonable continuity the duties of any job for which you are reasonably able through education, training, or experience.
At any point after the first 24 months, 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.
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|
|69 or older||12 months|
*Social Security Normal Retirement Age, your normal retirement age under the Federal Social Security Act.
For help with enrollment and premium payments
Your personnel, payroll, or benefits office
For help with benefits or plan details
Standard Insurance Company