Printer's Disability Trust

Providing a competitive benefits package to attract and retain quality employees can be a challenging proposition for any employer. Double-digit increases in health-care costs make this even more difficult, reducing an employer’s ability to exclusively provide and pay for a comprehensive benefits program. Life insurance from The Standard makes it easier for you to offer the insurance coverage that employees want at competitive group rates.

Life Insurance

Life insurance helps protect employees and their loved ones from financial hardship in the event of an eligible member’s covered death.

Accidental Death and Dismemberment (AD&D) Insurance

With AD&D coverage, eligible employees and their beneficiaries may receive an additional amount in the event of a covered accidental death or dismemberment, helping to restore financial balance when the unexpected happens.

Follow the links below to learn about the various plan designs and their key features. Before selecting a plan, review the Group Life Insurance Brochure and the Group Life Certificate of Insurance.

To help estimate your Life insurance needs use the Life Insurance Needs Estimator

1. Plan A - Benefits at a Glance

• Life coverage amount is available in increments of $1,000, from $10,000 to a maximum of $150,000. An additional $20,000 of coverage for each employee is paid by PDT.
• Dependents Life coverage for spouses is available in increments of $1,000, from $10,000 to a maximum of $30,000.
• Dependents Life coverage for child(ren) is available in the amount of $5,000.

2. Plan B - Benefits at a Glance

• Life coverage amount is available as 1 times, 1.5 times or 2 times annual earnings options. The maximum amount is $150,000 and the minimum amount is $10,000. An additional $20,000 of coverage for each employee is paid by PDT.
• Dependents Life coverage for spouses is available in increments of $1,000, from $10,000 to a maximum of $30,000.
• Dependents Life coverage for child(ren) is available in the amount of $5,000. For a covered accidental loss of life, the AD&D coverage amount is equal to the Life coverage amount. For other covered losses, a percentage of this benefit will be payable.

Watch a video about how Life and AD&D insurance can help provide more financial security for employees.

Today, More Than Ever, Employees Need Support

Travel Assistance and Life Services Toolkit

Group Life coverage from Standard Insurance Company includes Travel Assistance and our Life Services Toolkit. Both give your employees services and tools they can use right now to help make life simpler and more secure. Your employees can also feel peace of mind knowing that their beneficiaries can access grief support and services after their death.

Support Before and During Trips

Travel Assistance provides services at no charge to employees and their immediate family members for most trips — for business or pleasure. They can use Travel Assistance to help plan a trip and when they’re on the road.

Here's How It Works:

• Available 24/7 for travel more than 100 miles from home and internationally for up to 180 days for business or pleasure
• Coverage for employee, spouse and kids through age 25; spouses and children aren’t eligible for services when traveling on business for their employers
• Easy access via Assist America Mobile App

Key Services Include:

• Pre-Trip Assistance
  • Country-specific information on visas, currency  exchanges, inoculations, travel advisories and more
• Trip Assistance
  • Help replacing lost or stolen baggage, credit cards and passports and accessing interpretation/translation services
• Medical Assistance and Legal Referrals
  • Help locating providers, replacing prescription medications, advancing funds for hospital admission and locating local attorneys and consular officers
• Emergency Transportation Services
  • Arranging and paying for emergency evacuation to the nearest adequate medical facility
  • Medically necessary repatriation to the employee’s home
  • Repatriation of remains
  • Evacuation arrangements — for natural disasters, political unrest and social instability; must be arranged by Assist America, Inc.

Travel Assistance is provided through an arrangement with Assist America, Inc., which is not affiliated with The Standard. Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. Assist America, Inc. is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. This service is only available while insured under The Standard’s group policy.

Resources for Employees and Beneficiaries

Your employees can turn to our Life Services Toolkit at any time to help them manage their lives and finances. And after a loss, beneficiaries can count on personal grief support. Plus valuable legal and financial services. We partner with an industry leader, Health Advocate, to provide the resources below and more.

Help Employees Can Use Now:

• Estate Planning Assistance — including online will preparation
• Funeral Arrangements
• Identify Theft Prevention
• Financial Planning
• Health and Wellness

Services For Beneficiaries:

• Grief Support — by phone and with up to six in-person sessions
• Legal Services
• Financial Counseling
• Support Services
• Online Resources

Life Services Toolkit is provided through an arrangement with Health Advocate and is not affiliated with The Standard. This service is not an insurance product. Services are not available to beneficiaries who are minors or are non-individual entities such as trusts, estates or charities.

Standard Insurance Company provides STD insurance to eligible employees of Printers' Disability Trust employers. Employers have found this to be an important tool in retaining key employees. PDT provides a variety of plan designs and the choice is up to you.

STD insurance is designed to provide financial protection for eligible employees by promising to pay a percentage of weekly earnings to an employee who cannot work because of a covered illness or injury.

The Benefits at a Glance document provide details on the various plans available and how they differ. Before selecting a plan, review the Group STD Insurance Brochure and the Group STD Certificate of Insurance.

To help you estimate your Disability insurance needs use the Disability Insurance Needs Estimator

1. Plan A - Benefits at a Glance

• STD coverage amount is 60 percent of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $300, $600, $900 or $1,200
• Maximum Benefit Period: 13 Weeks
• Benefit Waiting Period: 0 days for accidental injury / 7 days for disability caused by physical disease, pregnancy or mental disorder

2. Plan B - Benefits at a Glance

• STD coverage amount is 60 percent of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $300, $600, $900 or $1,200
• Maximum Benefit Period: 26 Weeks
• Benefit Waiting Period: 0 days for accidental injury / 7 days for disability caused by physical disease, pregnancy or mental disorder

Watch a video to see how employees can help protect their income with Short Term Disability insurance. 

Group Long Term Disability (LTD) Insurance

Standard Insurance Company provides LTD insurance to eligible employees of Printers' Disability Trust employers. PDT offers all levels of coverage to meet a variety of employer needs.

LTD insurance is designed to pay a monthly benefit to an employee who cannot work because of a covered illness or injury.

The Benefits at a Glance documents provide details on the various plans available and how they differ. Before selecting a plan, review the Group LTD Insurance Brochure and the Group LTD Certificate of Insurance for more details.

To help you estimate your Disability insurance needs use the Disability Insurance Needs Estimator

Under 10 Lives

1. Plan A - Benefits at a Glance

• 60 percent of the first $5,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $3,000
• Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
• Benefit Waiting Period: 90 days

2. Plan B - Benefits at a Glance

• 60 percent of the first $5,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $3,000
• Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
• Benefit Waiting Period: 180 days

10 Lives or Above

• Plan A - Benefits at a Glance
  • 60 percent of the first $10,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $6,000
  • Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
  • Benefit Waiting Period: 90 days
• Plan B - Benefits at a Glance
  • 60 percent of the first $10,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $6,000
  • Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
  • Benefit Waiting Period: 180 days
• Plan C - Benefits at a Glance
  • 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $3,000
  • Maximum Benefit Period: 5 years
  • Benefit Waiting Period: 90 days
• Plan D - Benefits at a Glance
  • 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $3,000
  • Maximum Benefit Period: 5 years
  • Benefit Waiting Period: 180 days
• Plan E - Benefits at a Glance
  • 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $3,000
  • Maximum Benefit Period: 2 years
  • Benefit Waiting Period: 90 days
• Plan F - Benefits at a Glance
  • 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
  • Maximum Benefit: $3,000
  • Maximum Benefit Period: 2 years
  • Benefit Waiting Period: 180 days

Watch a video to see how employees can help protect their lifestyle with Long Term Disability insurance.

The Managed Plans provide a more economical option for disability coverage, as they are a blend of Short Term and Long Term Disability provisions. Review the Benefits at a Glance for each plan and the Group Managed Disability Brochure, Group STD Certificate of Insurance, and the Group LTD Certificate of Insurance for more details. 

With benefits intended to help employees who become disabled and need both short and long term income protection, the 2/50 or 5/50 Option was designed to help provide basic protection against disability at more affordable rates than our other standard plans. The 2/50 or 5/50 Option accomplishes additional cost savings through a shorter duration period and lower maximum monthly benefits. To learn more, review the Group LTD and Managed Plan Brochure for more details. 

To help you estimate your Disability insurance needs use the Disability Insurance Needs Estimator

Watch a video about how disability insurance can help provide more financial security for employees.

1. Managed Plan A - Benefits at a Glance

• 60 percent of the first $2,308 of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $1,385
• Maximum Benefit Period: 90 days
• Benefit Waiting Period: 0 days for accidental injury / 7 days for disability caused by physical disease, pregnancy or mental disorder

2. Managed Plan B - Benefits at a Glance

• 50 percent of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $692
• Maximum Benefit Period: 90 days
• Benefit Waiting Period: 0 days for accidental injury / 7 days for disability caused by physical disease, pregnancy or mental disorder

3. Managed Plan C - Benefits at a Glance

• 50 percent of the first $2,308 of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $692
• Maximum Benefit Period: 90 days
• Benefit Waiting Period: 0 days for accidental injury / 7 days for disability caused by physical disease, pregnancy or mental disorder

4. Managed Plan D - Benefits at a Glance

• 60 percent of the first $2,308 of weekly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $1,385
• Maximum Benefit Period: 13 weeks
• Benefit Waiting Period: 14 days for accidental injury / 14 days for disability caused by physical disease, pregnancy or mental disorder

1. Managed Plan A - Benefits at a Glance

Under 10 Lives

• 60 percent of the first $5,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $3,000
• Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
• Benefit Waiting Period: 90 days

10 Lives or Above

• 60 percent of the first $10,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $6,000
• Maximum Benefit Period: If the employee becomes disabled before age 62, Long Term Disability benefits may continue during disability until age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If the employee becomes disabled at age 62 or older, the benefit duration is determined by the age when disability begins.
• Benefit Waiting Period: 90 days

2. Managed Plan B - Benefits at a Glance

• 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $3,000
• Maximum Benefit Period: 5 years
• Benefit Waiting Period: 90 days

3. Managed Plan C - Benefits at a Glance

• 50 percent of the first $6,000 of monthly predisability earnings on the date of disability, reduced by deductible income.
• Maximum Benefit: $3,000
• Maximum Benefit Period: 2 years
• Benefit Waiting Period: 90 days

Group Dental Insurance

A quality dental plan is an important part of any employer’s benefits package. It can aid in the recruitment and retention of employees and is cited as one of the most desirable benefits*. Our coverage helps you and employees minimize costs without sacrificing care.

High/Low Plans let you offer your employees a choice between two plans, two premium levels, in one policy. Your employees select the plan that best suits their individual needs. Before enrolling, review the Group Dental Insurance Brochure, Dental Class 1 Certificate, and Dental Class 2 Certificate. 

Low Plan

• Plan Benefit
  • Type 1: 80%
  • Type 2: 60%
  • Type 3: 40%
• Deductible
  • $50 per calendar year
  • Waived Type 1
  • $150 per family
• Maximum (per person): $1,000 per calendar year

High Plan

• Plan Benefit
  • Type 1: 100%
  • Type 2: 80%
  • Type 3: 50%
• Deductible
  • $50 per calendar year
  • Waived Type 1
  • $150 per family
• Maximum (per person): $1,500 per calendar year

Watch a video on how Dental insurance helps your employees take care of their teeth.

* Employee Benefit Research Institute, 2017 Health and Workplace Benefits Survey, 2018.

Group Vision Insurance

Growing screen time and an aging workforce are just two reasons Vision insurance has become a vital benefit. This coverage can encourage your employees to seek preventive care to stay healthy and productive by offering access to highly qualified providers.

Balanced Care Vision I eye care plans from The Standard will help your employees receive and pay for the eye care they need. Balanced Care Vision I plans emphasize eye health and preventive care, and feature the money-saving eye care provider network of VSP. VSP’s belief statement is “Passion for People, Vision for Life.” VSP provides claims processing and plan participant customer service, as well as the VSP network of independent full-service providers, to Balanced Care Vision I eye care plan participants.

Before enrolling, review the Group Vision Insurance Brochure, Vision Class 3 Certificate, and Vision Class 4 Certificate. 

Plan 1: Balanced Care Vision I

• VSP Choice Network + Affiliates
  • Annual Eye Exam: Covered in full
  • Lenses (per pair)
    • Single: Covered in full
    • Bifocal: Covered in full
    • Trifocal: Covered in full
    • Lenticular: Covered in full
    • Progressive: See lens options
  • Frame Allowance: $130
  • Contact Lenses
    • Exams: Participant cost up to $60
    • Elective: Up to $130
    • Medically Necessary: Covered in full
  • Deductibles
    • Exam: $10
    • Eye Glass Lenses or Frames: $25
• Out of Network
  • Annual Eye Exam: Up to $45
  • Lenses (per pair)
    • Single: Up to $30
    • Bifocal: Up to $50
    • Trifocal: Up to $65
    • Lenticular: Up to $100
    • Progressive: Up to $50
  • Frame Allowance: Up to $70
  • Contact Lenses
    • Exams: No benefit
    • Elective: Up to $105
    • Medically Necessary: Up to $210
  • Deductibles
    • Exam: $10
    • Eye Glass Lenses or Frames: $25

Plan 2: Balanced Care Vision I

• VSP Choice Network + Affiliates
  • Annual Eye Exam: Covered in full
  • Lenses (per pair)
    • Single: Covered in full
    • Bifocal: Covered in full
    • Trifocal: Covered in full
    • Lenticular: Covered in full
    • Progressive: See lens options
  • Frame Allowance: $180
  • Contact Lenses
    • Exams: Participant cost up to $60
    • Elective: Up to $180
    • Medically Necessary: Covered in full
  • Deductibles
    • Exam: $10
    • Eye Glass Lenses or Frames: $25
• Out of Network
  • Annual Eye Exam: Up to $45
  • Lenses (per pair)
    • Single: Up to $30
    • Bifocal: Up to $50
    • Trifocal: Up to $65
    • Lenticular: Up to $100
    • Progressive: Up to $50
  • Frame Allowance: Up to $70
  • Contact Lenses
    • Exams: No benefit
    • Elective: Up to $105
    • Medically Necessary: Up to $210
  • Deductibles
    • Exam: $10
    • Eye Glass Lenses or Frames: $25 

Watch a video about how Vision insurance helps your employees take care of their eye health.

As the employer, you are responsible for submitting the Employer's Statement of the Life, STD and LTD claim forms to the Printers' Disability Trust (PDT) for review and submission to The Standard.

For all coverages, including Life, STD and LTD, you may complete a paper form (see below) and submit it to the Trust by fax or mail. To access the paper form, please use the links for the appropriate coverage. If you have questions or require assistance, call PDT at 800.342.5799.

At claim time, please provide the employee with the appropriate claim forms, which are available in the Employee Forms tab below.

Applications for Benefits

• Accidental Dismemberment Statement
• Life Insurance Statement
• Disability Insurance Statement

Applications for Insurance

• Enrollment and Change Form
• Medical History Statement
  • Paper Form
  • Online Submission (Electronic Evidence of Insurability)

Benefits at a Glance

• Basic Life and AD&D Benefits at a Glance - Plan A
• Basic Life and AD&D Benefits at a Glance - Plan B
• STD Benefits at a Glance - Plan A and Plan B
• STD Benefits at a Glance - Managed Plan A
• STD Benefits at a Glance - Managed Plan B and C
• STD Benefits at a Glance - Managed Plan D
• LTD Benefits at a Glance - Plan A and Plan B
• LTD Benefits at a Glance - Plan C, D, E & F
• LTD Benefits at a Glance - Managed Plan A
• LTD Benefits at a Glance - Managed Plan B and Plan C
• Dental Insurance Coverage Highlights
• Vision Insurance Coverage Highlights

Marketing Flyers

• Life Insurance Needs Flyer
  • Life Services Toolkit
    • Life Services Toolkit Employee Flyer
    • Life Services Toolkit On-Line Will Preparation Flyer
    • Life Services Toolkit Beneficiary Flyer
  • Travel Assistance
    • Travel Assistance Employee Flyer
    • Travel Assistance FAQ
    • Travel Assistance Wallet Card
• STD Insurance Needs Flyer
• LTD Insurance Needs Flyer
• Dental Insurance Needs Flyer
• Vision Insurance Needs Flyer

Group Insurance Certificates

• Life Insurance Certificate
• STD Insurance Certificate
• LTD Insurance Certificate
• Dental Class 1 Certificate
• Dental Class 2 Certificate
• Vision Class 3 Certificate
• Vision Class 4 Certificate

Applications for Benefits

• Accidental Dismemberment (AD&D) Benefits
• Life Insurance Benefits
• Disability Insurance Benefits
  • Paper Form
  • Online Submission
• Dental Insurance Benefits
• Vision Insurance Benefits

Continued Benefits

• Portability Application
• Request for Group Life Conversion Materials