Long Term Disability (LTD) insurance provides income replacement in the amount of 60 percent of the first $8,333 of monthly predisability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, pension, etc.). The maximum monthly benefit is $5,000 and the minimum monthly benefit is $100. Benefits begin after a benefit waiting period of 180 days.

To be eligible for LTD insurance, for the benefit waiting period and the first 24 months for which LTD benefits are paid, you must be unable, as a result of physical disease, injury, pregnancy or mental disorder, to perform with reasonable continuity the material duties of your own occupation and suffering a loss of at least 20 percent of pre-disability earnings when working in the employee’s own occupation. After that, you must be unable as a result of physical disease, injury, pregnancy or mental disorder to perform with reasonable continuity the material duties of any reasonable gainful occupation. You are not considered disabled when earning 80 percent or more of pre-disability earnings in any occupation.

An eligible employee who needs to make a Long-Term Disability claim can do so by notifying his/her Location Administrator, who will help facilitate the process. LTD claims must be approved by The Standard Insurance Company.