Administered by Standard Insurance Company, 1-800-759-8702

LTD insurance coverage can help protect your income in the event you become disabled and unable to work.

Who is Eligible?

Benefits eligible employees (if you are in an active work status).

Benefits eligible employees enrolling in the Choices Medical Plan must elect LTD insurance coverage.

  • New benefits eligible employees may enroll in any coverage level during their initial enrollment period.
  • If an employee previously waived all coverages, they may only enroll in coverage Option 1.
  • Employees may increase coverage one level or drop coverage to any level during the Annual Enrollment period.  An increase in coverage level will be subject to a pre-existing condition exclusion for disabilities occurring during the first 12 months that the increase in insurance is effective.  Any coverage existing for at least 12 months prior to the increase will not be subject to the pre-existing condition exclusion.
  • Employees may increase or decrease coverage one level due to a qualifying event, as long as the change is consistent with the event (subject to Plan restrictions).

Choices offers three (3) LTD plan options designed to supplement other sources of disability income that may be available to you:

Long Term Disability Plan Options
Option 1 60% of pay/180 days waiting period
Option 2 66 2/3% of pay/180 days waiting period
Option 3 66 2/3% of pay/120 days waiting period

The three (3) LTD plan options differ in terms of the amount of your pay they replace, when benefits become payable, and premium costs.

Benefit Amount:

The monthly benefits amount is the % of your pre-disability earnings option you elected, to a maximum benefit of $9,200 per month. The minimum monthly benefit is the greater of $100 or 10% of your LTD benefit before reduction by deductible income.

Benefit Duration:

If you become disabled and your claim for LTD benefits is approved, LTD benefits are payable after you have been continuously disabled for the waiting period option you elected and you remain continuously disabled.  LTD benefits are not payable during the waiting period.

Employees on a leave status may not be eligible for LTD insurance coverage. Please consult with your Human Resources/Benefits office.

Do you have Other Disability Income?

The level of LTD insurance coverage you select ensures that you will continue to receive a percentage of your base pay each month if you become totally disabled.

Some of the money you receive may come from other sources, such as Social Security, Workers’ Compensation, or other group disability benefits. Your Choices LTD benefit will be offset by any amounts you receive from other sources. The total combined income will equal the insurance coverage option you selected.

Please review the group LTD insurance certificate and coverage highlights at the Standard Life Insurance.