Long Term Disability Insurance for Eligible Employees

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work beyond the 90 day benefit waiting period because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.

As a benefits-eligible employee, you may enroll in the Long Term Disability (LTD) program, starting with your first day of work.

If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 90 day benefit waiting period. No benefits are payable during the benefit waiting period. The monthly LTD benefit is based on your earnings from APS. Your monthly LTD benefit is 60% of the first $8,333 of your monthly earnings.* The maximum LTD benefit is $5,000 per month.


*Monthly earnings is defined in the group insurance policy and is reduced by Deductible Income.


To Apply for Coverage

Albuquerque Public Schools (APS) benefit eligible employees may apply for Additional Life Insurance and/or Long-Term Disability Insurance anytime during the year except during the month of October. Additional life insurance and long-term disability insurance are subject to Evidence of Insurability (medical underwriting). There is no guarantee that you will be approved for coverage.

Follow the two steps below to apply for:

  • Long-Term Disability Insurance for yourself
  • Additional Life Insurance for yourself
  • Additional Life Insurance for your spouse
  • An increase to your existing Additional Life Insurance coverage amount
  • An increase to the existing Additional Life Insurance coverage amount for your spouse

(If you have Additional Life Insurance for yourself and wish to pick up Additional Life Insurance for your child or children, that must be done during the APS Open Enrollment period. Open Enrollment is held each year in October. Watch for announcements in the APS Perspective electronic newsletter or contact the APS Employee Benefits Department at employee.benefits@aps.edu or (505) 889-4859 for those dates.)

Step 1
Complete an APS Additional Life Insurance & Long Term Disability Enrollment/Change Form. To obtain this electronic form, please contact the Albuquerque Public Schools Benefit Specialist assigned to your last name. (Find the contact list at: https://www.aps.edu/human-resources/benefits-staff-listing.) The Benefit Specialist will assign the appropriate Enrollment/Change Form to you through the APS Winocular system. Complete the electronic form and submit it to the APS Employee Benefits Department using the Winocular process.

Step 2
Complete a Medical History Statement and submit it directly to The Standard Life Insurance Company. You may complete an electronic form or a paper form. Follow the instructions on the form to submit it to The Standard Life Insurance Company. (Do not send the Medical History Statement to APS.)


Medical History Statements (MHS)

Note for All Applicants: Only apply once and wait for the decision before applying again


If instructed by the APS Employee Benefits Department, download and complete the appropriate form and submit it to the Employee Benefits Department following the directions you were given. Please do not complete one of these forms without specific instructions to do so from the APS Employee Benefits Department.


Filing an LTD Claim

Filing a Life Claim

  • Beneficiary Statement
    Submit a Beneficiary Statement along with a copy of a death certificate and any funeral assignment to your benefits department

To Apply for Benefits









Travel Assistance

Designed to respond to most medical care situations and many other emergencies you and your family may experience when you travel 100 miles or more from your home, Travel Assistance provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home. For more details see the Travel Assistance Flyer in English or Spanish and simply print and carry the Travel Assistance Card from the back of the brochure to use this service.




Life Services Toolkit
Group Life insurance through your employer gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under a Group Life policy from The Standard does more than help protect your family from financial hardship after a loss. We have partnered with Bensinger, DuPont & Associates (BDA) to offer a lineup of additional services that can make a difference now and in the future.

Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.

The Life Services Toolkit is automatically available to those insured under a Group Life insurance policy from The Standard. Recipients of an Accelerated Benefit can access services for 12 months after the date of payment. Life insurance beneficiaries1 can access services for 12 months after the date of death.

Visit the Life Services Toolkit website at www.standard.com/mytoolkit with username of “assurance” for information and tools to help you make important life decisions.

For beneficiary services, please visit www.standard.com/mytoolkit with username of “support” or call 800.387.5742 for assistance.

To learn more about the support tools available and the beneficiary services, please see the Life Services Toolkit flyer.