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Visit the SEBB member Life insurance webpage for more information about these benefits.
Life and AD&D Administration Manual
Additional information regarding Life and AD&D insurance
Visit the SEBB member Long-term disability insurance webpage for more information about this benefit.
Beginning January 1, 2021, eligible employees who apply for supplemental long-term disability (LTD) coverage after 31 days of becoming eligible for SEBB benefits must submit the Long-Term Disability Enrollment and Change Form to their payroll or benefits office for processing in SEBB My Account and the Evidence of Insurability (EOI) form to The Standard Insurance Company. Benefits administrators will keep the enrollment form and await Standard’s EOI decision before enrolling the employee in SEBB My Account.
Note: EOI does not apply to SEBB Employees who enrolled in supplemental LTD for the first time during the 2020 plan year with coverage effective 1/1/2021 or earlier.
Why employee's might need supplemental LTD insurance coverage
- The SEBB basic (employer-paid) LTD benefit pays only a maximum benefit of $400 a month. Employees must enroll in the supplemental LTD insurance to receive the higher maximum monthly benefit up to $10,000, based on their salary.
- Consider whether they could meet their financial commitments if they were unable to work for an extended time due to an illness or injury. LTD insurance will help them pay for things such as groceries, bills, rent/mortgage, family care, and other living expenses.
- Disabilities are more common than we think. According to the Social Security Administration, more than 25 percent of today’s 20-year-olds will become disabled sometime during their career. Unexpected illness or accidents can happen to anyone, even young, healthy adults. Supplemental LTD insurance will help protect your savings, retirement plans, and overall financial health if you become disabled.
Employee's should check out The Standard's decision support tool to find out how much supplemental LTD insurance is right for them.
Enrolling in supplemental LTD after 31 days of becoming eligible for SEBB benefits
Benefits administrators needing to access The Standards web portal AdminEASE
LTD Administration Manual
LTD Certificate of Coverage
Visit the Medical flexible spending arrangement webpage for more information about this benefit.