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 optional LTD insurance to protect more of their income in the event of a disability.

Eligibility requirements

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.

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

How to enroll

Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form 2019 to your employer’s personnel, payroll, or benefits office. You may enroll in optional 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 optional LTD coverage after 31 days, or decrease the waiting period for optional 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 optional LTD after 31 days, or reducing the waiting period for optional LTD coverage:

  1. Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form 2019 to your employer’s personnel, payroll, or benefits office.
  2. Complete the Evidence of Insurability Form and submit it to The Standard Insurance Company at the address on the form.

Basic LTD insurance (automatic)

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.

Optional LTD insurance (voluntary)

You can build on your basic coverage by purchasing optional LTD. Depending on the coverage you choose and when you apply, you may need to provide evidence of insurability. Optional 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.

2019 changes to benefit waiting periods

Starting January 1, 2019, newly eligible members enrolling in optional LTD will not be able to choose a 30-day or 60-day waiting period. If you enrolled before January 1, 2019 and chose one of these waiting periods, you can keep it through December 31, 2019. By January 1, 2020, all PEBB members must change their waiting periods to 90 days or longer.

The shorter waiting periods will be replaced by the new Washington State Paid Family & Medical Leave program, which will offer eligible employees 12 to 18 weeks of paid leave after a qualifying event.

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.

Definition of a disability

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.

Maximum benefit period

For both basic LTD and optional 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 personnel, payroll, or benefits office

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