Standard Insurance Company provides Voluntary Short Term Disability (STD) and Long Term Disability (LTD) insurance to eligible State of Wyoming employees who elect coverage. You are in good company - 18 states and hundreds of cities, counties and school districts across the country rely on The Standard for group insurance.¹

Chances are you already purchase home and auto insurance to help protect against the loss of or damage to property. So 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 Wyoming provides you with the opportunity to purchase Voluntary STD and/or LTD insurance, which is designed to pay a benefit to you in the event you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, thus helping you meet your financial commitments in time of need.

The risk of disability is greater than most people think. And if you're like most people, you probably think disability is something that only happens to someone else. Here are the facts:

• On the average, about 2,650 disabling injuries occur every hour during the year.²
• 21.3 million or 11.9 percent of all Americans aged 16 to 65 have a disabling condition that affects their ability to work at a job or business.³
• Nearly one person in five, about 49.7 million Americans, has some type of long lasting condition or disability.³