Washington Health Care Authority SEBB

Standard Insurance Company is pleased to provide group Long Term Disability insurance to eligible members of the School Employees Benefits Board Program. LTD insurance is designed to pay a monthly benefit to you in the event you cannot work for an extended period of time 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.

Learn more about your LTD insurance coverage opportunities.

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Employee Paid Long Term Disability

Employee-paid LTD insurance helps you protect more of your paycheck.

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What It Does

Your employer provides you with a monthly benefit of up to $450 of disability insurance. Will that be enough for you? Think about your ongoing expenses and how much income you'll need to maintain your lifestyle if you can't work.

Newly eligible employees are automatically enrolled in employee-paid disability insurance at the 60% coverage level through the SEBB Program. This plan provides a monthly benefit of up to $10,000 (replaces 60% of the first $16,667 of your eligible insured earnings), before reduction by any deductible income.

You may choose to enroll at the 50% coverage level or decline employee-paid disability coverage at any time. The employee-paid disability insurance at the 50% coverage level provides a monthly benefit of up to $8,333 (replaces 50% of the first $16,667 of your eligible insured earnings), before reduction by any deductible income.

Evidence of Insurability is required at any coverage level to re-enroll after declining employee-paid coverage or reducing your coverage level.

Features

Some features of your LTD coverage include:

Return to Work Incentive
Reasonable Accommodation Expense Benefit
Survivors Benefit

See your LTD Plan Booklet or Coverage Highlights for details.

Watch a video to see how you can help protect more of your income with employee-paid LTD insurance.

Employer-Paid LTD Insurance

SEBB provides employer-paid LTD insurance at no cost to you if you are an eligible employee. If you decline employee-paid LTD, you will be insured under the employer-paid LTD plan which pays a monthly benefit of up to $450, before reduction by any deductible income.

Some features of your LTD coverage include:

Return to Work Incentive
Reasonable Accommodation Expense Benefit
Survivors Benefit

See your LTD Plan Booklet for details.

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Deciding to Enroll

When you become eligible for benefits, you are automatically enrolled in employee-paid LTD insurance at the 60% income replacement level with a 90-day benefit waiting period (maximum monthly benefit of $10,000). You may choose to enroll at the 50% income replacement level (maximum monthly benefit of $8,333) or decline coverage at any time. After your 31-day enrollment period, Evidence of Insurability is required at any coverage level to re-enroll or increase coverage after declining coverage.

Learn more about employee-paid LTD insurance coverage.

Decision Support Tool

Employee-Paid LTD Premium Calculator

Watch a video to see how you can help protect more of your income with employee-paid LTD insurance.

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