City of Los Angeles

Short Term Disability (STD) insurance is designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury. This STD benefit replaces a portion of your income, thus helping you to meet your financial commitments in a time of need. Buy-up STD insurance offers you the opportunity to choose one of two levels of STD coverage.

You have the opportunity to choose between the base STD coverage, which is fully paid by your employer, or the STD buy-up coverage. You pay 100% of the premium for the buy-up coverage through easy payroll deduction.

Medical underwriting approval may be required for STD buy-up coverage. Learn more by reading your Medical Underwriting Approval (Evidence of Insurability [EOI]) FAQ (English or Spanish).

If the policy becomes effective and you do not elect the buy-up option, you will automatically be enrolled in the base STD plan. 

Use the Needs Estimator to determine if buy-up STD insurance from The Standard may be part of the solution for you. To review eligibility requirements and for answers to commonly asked questions, costs, exclusions, limitations and reductions, please refer to the coverage highlights (English or Spanish) and the STD Certificate of Insurance.

Watch a video to learn more about Short Term Disability insurance.

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work 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. Buy-up LTD insurance offers you the opportunity to choose one of two levels of LTD coverage.

You have the opportunity to choose between the base LTD, which is fully paid by your employer, or the LTD buy-up coverage. You pay 100% of the premium for the buy-up coverage through easy payroll deduction.

Medical underwriting approval may be required for LTD buy-up coverage. Learn more by reading your Medical Underwriting Approval (Evidence of Insurability [EOI]) FAQ (English or Spanish).

If the policy becomes effective and you do not elect the buy-up option, you will automatically be enrolled in the base LTD plan.

Use the Needs Estimator to determine if buy-up LTD insurance from The Standard may be part of the solution for you. To review eligibility requirements and for answers to commonly asked questions, costs, exclusions, limitations and reductions, please refer to the coverage highlights (English or Spanish) and the LTD Certificate of Insurance.