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Long-term disability insurance

The PEBB Program offers long-term disability (LTD) insurance at no cost to employees enrolled in the full benefits package. You can also enroll in supplemental LTD insurance. These benefits are provided through The Standard Insurance Company.

Who is eligible?

The PEBB Program offers basic 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.

Supplemental 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 to your employer’s 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:

  1. Complete and submit the Long-Term Disability (LTD) Enrollment/Change Form to your employer’s 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.

What is basic LTD insurance (employer-paid)?

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. In any case, it will not exceed $240 a month. You may want to consider paying for supplemental LTD insurance if you would like to protect more of your income.

If eligible, you will automatically be enrolled in basic 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 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

Waiting period before benefits become payable for basic LTD

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

  • 90 days.
  • The period of sick leave (excluding shared leave) for which you are eligible under your employer's sick leave, paid time off (PTO), or other salaried continuation plan (excluding vacation 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.

What is supplemental LTD insurance (employee-paid)?

You can build on your basic coverage by enrolling in 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

Waiting period before benefits become payable for supplemental LTD

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.

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.

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.

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
The Standard Insurance Company
Phone: 1-800-368-2860