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 Insurance 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 between September 20th and October 31st (except as noted below for child Life Insurance). 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(ren), 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 Standard Insurance Company. You may complete an electronic form or a paper form. Follow the instructions on the form to submit it to Standard 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.
To Apply for Benefits
Certificates
Frequently Asked Questions
