Long-term disability insurance

The SEBB Program provides employer-paid and employee-paid long-term disability (LTD) insurance to school employees who are eligible for the employer contribution toward SEBB benefits. These benefits are provided through Standard Insurance Company. If you are eligible for SEBB benefits, you will be automatically enrolled in employer-paid LTD insurance coverage, even if you waive SEBB medical coverage.

Employer-paid and employee-paid LTD insurance are not available to employees eligible for benefits under WAC 182-31-130.

You will also be automatically enrolled in employee-paid LTD insurance coverage. Note: Your SEBB long-term disability benefit is different from the state’s new long-term care benefit, which is called The WA Cares Fund.

What is employer-paid 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 SEBB Program's school employee benefits include employer-paid LTD insurance at no cost to you.

Employer-paid LTD insurance

Employer-paid LTD provides:

  • Benefit: 60 percent of the first $667 of your predisability earnings, reduced by any deductible income (like Social Security disability).
  • Minimum: $100/month
  • Maximum: $400/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 which the employee is receiving benefits.

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

What is employee-paid LTD insurance?

If you are eligible for employer-paid LTD, the SEBB Program will automatically enroll you in a plan that covers 60 percent of your insured income (your monthly insured earnings  before you become disabled, up to $16,667). 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 day the evidence of insurability is approved.

What are predisability earnings?

Predisability earnings means your base monthly rate of earnings and any additional time, responsibility and incentive (TRI Pay) from your employer, including:

  1. Contributions you make through a salary reduction agreement with your employer to:

    1. An Internal Revenue Code (IRC) Section 401(k), 403(b), 408(k), 408(p), or 457 deferred compensation arrangement; or
    2. An executive nonqualified deferred compensation arrangement.
  2. Amounts contributed to your fringe benefits according to a salary reduction agreement under an  IRC Section 125 plan.
60-percent plan

The 60 percent coverage level 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 which the employee is receiving benefits.

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

50-percent plan

The 50 percent coverage level 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 which the employee is receiving benefits.

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

How do I reduce or decline employee-paid LTD?

At any time, you can reduce to a lower-cost 50-percent coverage level or decline the employee-paid coverage using SEBB My Account or by submitting the Long-Term Disability Insurance Enrollment/Change form to your payroll or benefits office. If you later decide to enroll in or increase coverage, you will have to provide evidence of insurability and be approved by the insurer.

How much does employee-paid LTD insurance cost?

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

Employee-paid LTD rates

These rates are based on the employee's age on January 1 of each year, except new employees. New employees' rates are based on age as of enrollment date for the first calendar year of coverage. 

Age

60-percent coverage

50-percent coverage

29 and under

0.0011

0.0007

30 to 34

0.0015

0.0009

35 to 39 0.0023 0.0014
40 to 44 0.0032 0.0019
45 to 49 0.0044 0.0026
50 to 54 0.0060 0.0036
55 to 59 0.0072 0.0044
60 to 64 0.0075 0.0045
65 and older 0.0076 0.0046
Examples of employee-paid premiums

Your exact premium depends on your age, your monthly predisability earnings, and the coverage level you choose. Here are some examples.

Note: You may need to scroll to the right to see all of the examples.

60-percent coverage level

Examples of monthly predisability earnings Age 29 and under Age 30 to 34 Age 35 to 39 Age 40 to 44 Age 45 to 49 Age 50 to 54 Age 55 to 59 Age 60 to 64 Age 65 and older
$3,000 $3.30 $4.50 $6.90 $9.60 $13.20 $18.00 $21.60 $22.50 $22.80
$4,000 $4.40 $6.00 $9.20 $12.80 $17.60 $24.00 $28.00 $30.00 $30.40
$5,000 $5.50 $7.50 $11.50 $16.00 $22.00 $30.00 $36.00 $37.50 $38.00
$6,000 $6.60 $9.00 $13.80 $19.20 $26.40 $36.00 $43.20 $45.00 $45.60
$7,000 $7.70 $10.50 $16.10 $22.40 $30.80 $42.00 $50.40 $52.50 $53.20
$8,000 $8.80 $12.00 $18.40 $25.60 $35.20 $48.00 $57.60 $60.00 $60.80
$9,000 $9.90 $13.50 $20.70 $28.80 $39.60 $54.00 $64.80 $67.50 $68.40
$10,000 $11.00 $15.00 $23.00 $32.00 $44.00 $60.00 $72.00 $75.00 $76.00
$11,000 to $16,667 $12.10–$18.33 $16.50–$25.00 $25.30–$38.33 $35.20–$53.33 $48.40–$73.33 $66.00–$100.00 $79.20–$120.00 $82.50–$125.00 $83.60–126.67

50-percent coverage level

Examples of monthly predisability earnings

Age 29 and under

Age 30 to 34

Age 35 to 39

Age 40 to 44

Age 45 to 49

Age 50 to 59 Age 55 to 59 Age 60 to 64 Age 65 and older
$3,000 $2.10 $2.70 $4.20 $5.70 $7.80 $10.80 $13.20 $13.50 $13.80
$4,000 $2.80 $3.60 $5.60 $7.60 $10.40 $14.40 $17.60 $18.00 $18.40
$5,000 $3.50 $4.50 $7.00 $9.50 $13.00 $18.00 $22.00 $22.50 $23.00
$6,000 $4.20 $5.40 $8.40 $11.40 $15.60 $21.60 $26.40 $27.00 $27.60
$7,000 $4.90 $6.30 $9.80 $13.30 $18.20 $25.20 $30.80 $31.50 $32.20
$8,000 $5.60 $7.20 $11.20 $15.20 $20.80 $28.80 $35.20 $36.00 $36.80
$9,000 $6.30 $8.10 $12.60 $17.10 $23.40 $32.40 $39.60 $40.50 $41.40
$10,000 $7.00 $9.00 $14.00 $19.00 $26.00 $36.00 $44.00 $45.00 $46.00
$11,000 to $16,667 $7.70–$11.67 $9.90–$15.00 $15.40–$23.33 $20.90–$31.67 $28.60–$43.33 $39.60–$60.00 $48.40–$73.33 $49.50–$75.00 $50.60–$76.67

Terms and conditions apply

LTD insurance has limitations, including a 12-month 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.

What is the maximum benefit period?

For both employer-paid LTD and employee-paid LTD coverage, the "maximum benefit period" means the benefit duration, which 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

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

Contact

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

For help with benefits or plan details
Standard Insurance Company
Phone: 1-833-229-4177
Online: Standard for school employees