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ACTIVE PARTICIPANTS

Life and AD&D insurance Beneficiary Financial Counseling MEDEX® Travel Assist Needs Estimator Premium Calculator How to Enroll Voluntary STD insurance Needs Estimator Premium Calculator How to Enroll Long Term Disability

RETIRED PARTICIPANTS

Life and AD&D insurance MEDEX® Travel Assist Needs Estimator Premium Calculator How to Enroll
Booklets -Active Employees- Group Basic Life/AD&D Insurance Group Voluntary Life/AD&D Insurance Group Short Term Disability Insurance Group Long Term Disability Insurance -Retirees- Group Basic Life Insurance Group Voluntary Life Insurance Forms -Enrollment Forms- Enrollment and Change Form for Active Employees Enrollment and Change Form for Retired Employees -Life Forms- Beneficiary Designation and Change Form Group Life Conversion Packet Request Group Life Portability Insurance Application Life Insurance Benefits Application and Claim Form -Short Term Disability Form- STD Claim Form -Long Term Disability Forms- Group Long Term Disability Conversion Packet Request Long Term Disability Claim Form Certificates -Active Employees- Life Insurance (Basic) Life Insurance (Voluntary) Short Term Disability Insurance Long Term Disability Insurance -Retirees- Life Insurance



Planning for the Unexpected

To help determine your need for STD income protection, complete the worksheet below.

Monthly Expenses

 Food
 Mortgage/rent
 Childcare/education
 Utilities
 (electricity, gas, cable, phone, etc.)
 Clothing
 Debts
 (credit cards, student and auto loans, etc.)
 Insurance
 (health, life, auto, home, etc.)
 Taxes
 Other
 Total monthly expenses

Monthly Income

 Take home pay
 Spouse income
 Other income1
 Total monthly income

Calculated Results

STD Insurance Needs Analysis
Total Monthly Expenses
Total Monthly Income in the event
of your disability
Voluntary STD Insurance Needed


You've determined if you need Short Term Disability insurance. To see how much it will cost to purchase that amount of coverage (up to the maximum) through the State of Nevada's Voluntary STD insurance program, use the Premium Calculator.
 
1 Please keep in mind that there may be other sources of income available to you if you become disabled, including state disability. These other benefits may reduce the Voluntary STD benefit payable by The Standard. Please be sure to review the Certificate of Insurance for a description of the disability coverage before making your decision to purchase Voluntary STD insurance.


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