Long Term Disability from The Standard

Standard Insurance Company's Long Term Disability insurance provides employees with income protection against disabilities resulting from a covered physical disease, injury, pregnancy or mental disorder. Our LTD insurance features flexible policy provisions that enable employers to customize their coverage choices.

LTD Plan Features

• Up to 70 percent salary replacement
• Maximum benefit amount up to $25,000 per month
• Benefit waiting periods ranging from 30 days to two years
• Definitions of disability covering own occupation, any occupation and "zero-day" partial disability
• Variable plan designs: one, two, three, five-year and to age 65 own occupation periods
• Own Specialty Definition of Disability for physicians and attorneys
• Employee Assistance Program included for groups with 15 - 2500 covered lives

Additional Cost Options

• Assisted Living Benefit
• Housing Assistance Benefit
• Lifetime Security Benefit
• Medical Expense Benefit
• Child Care Benefit

Special Services Available

• Reports Online^SM Claims Reports
• The Standard SecureCard^SM benefit payment option

Claims Management Services

The Standard’s claims management services promote and enable the return of disabled employees to a productive life whenever possible. A knowledgeable team of benefits analysts, vocational case managers and nurse case managers provides early screening, assesses disability duration and identifies return-to-work opportunities. As a result, disabled employees may return to work sooner, and employers regain their valuable employees and contain disability claims costs. Our LTD plans include a number of features that help and encourage employees to return to work.

• Rehabilitation plan provision: Pays some or all expenses incurred by employees for approved training and education; family care; and job search and other job-related expenses that support a return to work
• Reasonable accommodation expense benefit: Reimburses employers up to $25,000 for approved worksite modifications that are made on behalf of a disabled employee and enable the employee to return to work
• Return to work incentive: Provides employees with an incentive to return to work by enabling them to earn up to 100 percent of their pre-disability income through a combination of monthly benefits and work earnings during the first 12 (or optional 24) months after returning to work
• Return to work responsibility: Establishes a clear expectation for partially disabled employees to return to work if they can earn at least 20 percent of indexed pre-disability earnings
• Temporary recovery: Allows employees who suffer a relapse and become disabled again from the same cause or causes to reopen their claims without serving a new benefit waiting period
• Transitional duty package: Assists employers in developing and communicating their commitment to return their employees to a productive life by providing accommodations such as flexible work hours, light-duty work and part-time work

Voluntary LTD

The Standard offers Voluntary LTD plans designed to meet the specific needs of different employer groups. The Standard provides personalized enrollment and product materials that help employers communicate the value of voluntary coverage to their employees.

For more details about Long Term Disability insurance from The Standard, please contact your local Employee Benefits Sales and Service Office today.