UPenn Commonly Asked Questions


Individual Disability Insurance
UPenn Commonly Asked Questions

4/1/2019 to 6/29/2019Graduation is soon! Protect your income before you graduate.
6/30/2019 to 8/31/2019 days left to apply! Applications are due .
9/1/2018 to 3/31/2019What will happen if you become seriously sick or injured and can’t work?

For New Applicants

If you are eligible for this coverage, you should have received details from your employer about how to apply. During your enrollment period, coverage is offered to you on a guaranteed standard issue basis. This means there are no medical exams. There may be limited financial underwriting requirements that your employer will take care of. There are a few basic requirements for coverage. For example, you must have maintained an active work status for the past 180 day(s). If you meet the requirements, The Standard will issue you a policy regardless of your health status. If you apply after your enrollment period, full medical and financial underwriting will be required. You will be required to provide detailed medical history information. And you may need to undergo a physical exam.
Your effective date is available in your personalized enrollment materials.
You may still be eligible for coverage even if you have existing coverage. The enrollment application asks for details about other insurance benefits. If you’d like more information about how this insurance offer can coordinate with your existing coverage, please contact the plan service provider (contact information below).
The process to apply is easy and will only take a few moments. Your enrollment packet includes application instructions. If you don’t have your enrollment packet, please contact the plan service provider (contact information below).
Please contact the plan service provider, The Baker Benefit Group, at upenn@tbbgroup.net or 877.321.4427.
If your policy is issued, premiums will be deducted from your paycheck on an after-tax basis.
Yes. The coverage does not end if you leave your employer. As long as you pay the premiums directly to The Standard when due, your coverage will continue.

For Existing Policyowners

If you have misplaced your policy, please contact the plan service provider, The Baker Benefit Group, at upenn@tbbgroup.net or 877.321.4427.
Upon employment termination, The Standard will send you a letter with direct billing options.

 



Legal

The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.

© 2024 StanCorp Financial Group, Inc.