State of Nevada

Voluntary Short Term Disability (STD) Insurance for Active Members

 
 
 

Chances are you have purchased home and auto insurance to protect against the loss of or damage to property. What steps have you taken to help shield yourself and your loved ones from an unexpected loss of income? Would you be able to meet your financial obligations if you became disabled and unable to work?

The State of Nevada PEBP provides you with the opportunity to purchase Voluntary Short Term Disability (STD) insurance at group rates from The Standard. STD is designed to pay a benefit to you in the event you cannot work because of a covered illness, injury or pregnancy. STD benefits replace a portion of your income, thus helping you meet your financial commitments during a time of need.

The risk of disability is greater than most people think. Here are the facts:

  • Over one in four of today's 20 year-olds will become disabled before they retire.1
  • A disabling injury occurs nearly every second of each day - on and off the job. That's more than 70,000 every day, more than 25 million every year.2

If you participate in a State of Nevada PEBP–sponsored medical plan, you have the opportunity to protect yourself and your family by purchasing Voluntary STD coverage through The Standard. For your convenience, premiums can be deducted from your paycheck automatically. If you sign up now, you'll be protected later without having to give it a second thought.

 

Choice of Benefit Plans to Fit Your Needs

The STD plan provides three options with various Benefit Waiting Periods. The Benefit Waiting Period is the period of time you must be disabled before benefits become payable.

Benefit Waiting Period Option Weekly STD Benefit
Option A: 7 days 60% of the first $2,500 of your weekly earnings, as defined in the group insurance policy, reduced by deductible income. The maximum STD benefit is $1,500 per week.
Option B: 14 days
Option C: 30 days

If you enroll when you're first eligible, and your STD claim is approved by The Standard, STD benefits become payable at the end of your elected Benefit Waiting Period for disabilities caused by accidents, physical disease, pregnancy or mental disorder. No benefits are payable for or during the Benefit Waiting Period.

 

Important Note

To enroll in The Standard's Voluntary STD plan you cannot be currently enrolled in another STD plan, such as Colonial or Aflac. If you are, simply contact your Agency Representative or Pay Center (e.g., Central Payroll) and request they stop that payroll deduction. Then, complete and submit The Standard's enrollment form.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Group Voluntary Short Term Disability Booklet and Certificate of Insurance.

 

Health Advocacy Select

PEBP participants enrolled in the Voluntary STD plan are eligible for Health Advocacy Select, a special service provided by The Standard. Powered by Health Advocate™, a leading health advocacy and assistance company, Health Advocacy Select helps members manage their healthcare and provides support when a health issue requires them to go on short term disability.

Enrolled PEBP participants on an approved STD claim have access to a dedicated Personal Health Advocate. Their Personal Health Advocate – typically a registered nurse – can assist them with a wide range of services such as scheduling appointments, coordinating health care with providers and specialists, managing out of pocket medical expenses, resolving medical claim and billing issues, and finding resources for services that may not be covered through health insurance. Every new request will be handled by a dedicated Personal Health Advocate from the moment the case is assigned until it's fully resolved.

Personal Health Advocates will be available to all eligible employees on an approved STD claim regardless of their occupation. STD claimants will be notified of the available Health Advocacy Select service as part of the claim approval process.

For more information about Health Advocacy Select, please review the Health Advocacy Select flyer.

It's easy to Enroll

Enroll in Voluntary Short Term Disability (STD) coverage by visiting the EPEBP Member Portal. For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Group Voluntary Short Term Disability benefit summary and Certificate of Insurance.

 
 
 
1 Social Security Administration, Fact Sheet, July 30, 2012
2 National Safety Council, Injury Facts 2011

Learn more about Short Term Disability insurance

The decision support tool video below explains how your Voluntary STD plan works and what you need to do to enroll.

Start DST Video
 
  • Tools to help you plan
Needs Estimator: Estimate how much short term disability insurance you may need.

Premium Calculator: Determine the cost of your short term disability insurance.