Group Long Term Disability, Critical Illness and Accident Insurance for State of California Excluded Employees
Life is unpredictable. If you found yourself suddenly disabled or experience an accident or serious illness, could you afford to keep paying your monthly bills and providing for your loved ones? Group Long Term Disability, Critical Illness and Accident with Accidental Death and Dismemberment coverage can help safeguard the life you love and the people who matter most. These coverages are available through Standard Insurance Company at group rates that may be more affordable than those available through individual insurance.
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Long Term Disability | Accident | Critical Illness | File a Claim | Frequently Asked Questions | Contact Information
Enroll Now
Enroll online today. Review the instructions for assistance.
Active Military, California Exposition and State Fairs, and California Fairs Services Authority Employees: You are required to enroll using an enrollment form that must be returned to your department’s personnel office for processing. Please email The Standard or your departmental personnel office for the appropriate form.
Long Term Disability Insurance
Protect your income if you are unable to work for an extended period of time.
Group Long Term Disability helps protect your income if you are unable to work for an extended period of time due to a covered illness or injury. This benefit is designed to replace a portion of your income to help meet monthly expenses when you may need it most.
Coverage Options Designed to Fit Your Needs
You can choose one of the following options:
- 65% of the first $15,385 of your monthly base salary reduced by deductible income
- 55% of the first $18,182 of your monthly base salary reduced by deductible income
Maximum Benefit for Both Options: $10,000 before reduction by deductible income
Minimum Benefit for Both Options: $100 or 15% of your benefit before reduction by deductible income, whichever is greater
Take a few minutes to estimate the amount of income you may need to replace if you become unable to work because of a covered disability and review your Employee Benefits Guide for more information.
Benefit Waiting Period
Benefits become payable after a six-month waiting period during which you are continuously disabled. You are responsible for making monthly premium payments during the benefit waiting period.
Maximum Benefit Period
Determined by your age at the time of disability, benefits may continue until age 65, the Social Security Normal Retirement Age or three years, six months, whichever is longest. See your Certificate of Insurance for more details.
Premium Cost
Your premium cost is determined by the coverage option you elect. Payments are conveniently managed by automatic payroll deduction. Use our Disability Insurance Premium Calculator to estimate your monthly premium deduction.
Additional Features
- Survivors Benefit equal to six times your unreduced Long Term Disability benefit may be payable to your survivors if you die while benefits are payable and have been continuously disabled for at least 180 days. Any benefit payable will be first applied to any overpayment of your claim due to The Standard.
- Dependent Education Benefit may be payable if you have a dependent under the age of 22 attending an accredited post-secondary school on a full-time basis while you are disabled. An additional $300 per month for up to 48 months for each dependent is available.
- Family Care Expenses Benefit adjusts any calculated work earnings offset if you are participating in an approved rehabilitation plan and incur child or elder expenses.
- Conversion allows you the option to purchase Long Term Disability conversion insurance after the termination of your insurance if you meet the requirements defined by the group policy.
Learn the basics of Long Term Disability coverage in this short video.
Read how real customers used Long Term Disability coverage.
Car Accident
A severe car accident left Robert with back injuries that kept him at home for several months. Long Term Disability coverage replaced part of his income, which he put toward his car payment, groceries and birthday presents for his children.
When Robert was ready, this benefit also helped him return to work sooner by paying his employer to install an adjustable desk and make other modifications. This allowed Robert to earn more by allowing him to return to work part-time while recovering and still receive a partial Long Term Disability benefit.
Benefits by the Numbers Before Robert Could Work
- $4,000. Monthly earnings insured before the disability
- 60% of paycheck supplemented by benefits
- $2,400. Monthly benefit amount
- 90 days. Benefit waiting period
- 4 months. Length of time Robert received benefits
- $9,600. Benefits paid during total disability
Benefits by the Numbers While Robert Transitioned Back to Work
- $2,180. Reasonable Accommodation Benefit paid to the employer for an adjustable desk
- $2,200. Robert's part-time monthly earnings after returning to work
- $1,800* Monthly benefit amount after returning to work
- 3 months. Length of partial disability
- $5,400 Benefits paid during partial disability
- $15,000. Benefits paid during partial disability
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
* Under the Return-to-Work incentive, for a period of time Robert's Long Term Disability benefit is not reduced until the amount of his work earnings, when added to his maximum Long Term Disability benefit, exceeds 100% of his insured predisability earnings. Robert's total income after working and collecting Long Term Disability benefits equaled his regular income of $4,000.
Cancer
Parker was already managing a heart condition when their doctor diagnosed them with cancer. They could no longer work their construction job with chemotherapy draining them both physically and financially.
Parker also faced many unexpected expenses, including in-home care, a special diet and alternative medical treatment. The Standard helped Parker apply for Social Security Disability Income benefits, which they received. Fortunately, Parker’s Long Term Disability coverage also replaced some of their income. That meant they didn't have to tap into hard-earned retirement savings.
Benefits by the Numbers
- $5,125. Parker's monthly earnings insured before the disability
- 60% of paycheck supplemented by benefits
- $3,075. Monthly benefit amount
- $1,450 Less Social Security disability income
- $1,625 Long Term Disability benefit amount payable
- 180 days. Benefit waiting period
- 3 years, 2 months. Length of time Parker received benefits
- $61,750. Total benefits paid
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
You may be eligible to continue your Long Term Disability coverage in certain circumstances as described below.
24-Month Direct Pay for Long Term Disability Insurance
Under the provisions of the Group Long Term Disability policy provided by The Standard, you may have the right to continue your coverage for up to 24 months if you cease to be eligible due to a classification change. If you wish to continue your coverage, you must make the election to continue your insurance within 60 days following the date you cease to be a member under the Group Long Term Disability policy.
If you do not apply to continue your insurance during that 60-day period, your insurance will be deemed to have ended on the date you ceased to be a member under the Group Long Term Disability policy. If you apply to continue your insurance during that 60-day period, your coverage will be retroactive to the date you ceased to be a member under the Group Long Term Disability policy.
Premium is due on or before the first day of each calendar month and is paid directly to The Standard. If you do not pay the premium before its due date, you may pay the premium during the following 60-day grace period. If you do not pay the premium during the 60-day grace period, your insurance will terminate automatically at the end of the grace period.
To apply to continue your coverage, please complete the Request for Group LTD 24-Month Direct Pay form. If you have questions or want rate information, please contact The Standard direct at 971.321.8150 or toll-free at 888.641.7193.
Conversion of Long Term Disability Insurance
You may be eligible to convert your coverage to an individual insurance policy if all the following conditions are met at the time your insurance ends:
- Your insurance ends for a reason other than:
- Termination or amendment of the group policy
- Your failure to make a required premium contribution
- Your retirement
- You were continuously insured under State of California's Group Long Term Disability policy for at least one year as of the date your insurance ended
- You are not disabled on the date your insurance ends
- You are a citizen or resident of the United States or Canada
- You apply in writing and pay the first premium for the individual disability income policy within the 31 days after your insurance ends
The effective date of the individual disability income policy will be the day after your insurance ended under the Group Long Term Disability policy.
Long Term Disability conversion coverage is not a continuation of your insurance under the group Group Long Term Disability policy which State of California has with The Standard. It is a separate and distinct policy which may provide different benefits, exclusions, limitations and reductions than those provided under your group policy. Review your Certificate of Insurance for specific details about the conversion provision.
To apply or receive Long Term Disability conversion materials, please complete the Request for Group LTD Conversion Materials form. If you have questions or want rate information, please contact The Standard direct at 971.321.8150 or toll-free at 888.641.7193.
Benefit Summaries
Online Calculators
Enrollment Forms
*Active Military, California Exposition and State Fairs, and California Fairs Services Authority Employees: You are required to enroll using an enrollment form that must be returned to your department’s personnel office for processing. Please email The Standard or your departmental personnel office for the appropriate form.
Certificates of Insurance
Marketing Materials
Continuation Forms
Claim Forms
Accident Insurance
Get help paying for expenses that health insurance may not cover when an accident happens.
The expenses of an accident can add up fast, especially when it keeps you from working. Group Accident coverage pays benefits for covered injuries and treatments to you and your spouse or domestic partner, not to providers. You will get a lump sum to spend on whatever you need, from deductibles and copays to groceries and alternative treatments.
Coverage Amount
Group Accident coverage includes more than 70 benefits for covered injuries and treatment. Review your Employee Benefits Guide for exclusions, limitations and reductions.
Premium Cost
If you enroll in the Group Long Term Disability policy 643146 through the State of California, you will automatically be enrolled in Group Accident coverage at no cost if you are an eligible employee.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California, you’ll have access to Group Accident coverage at affordable group rates. See page 14 of your Employee Benefits Guide. Contact our dedicated account specialist for enrollment materials.
Spouse or domestic partner coverage payments are conveniently managed by automatic payroll deduction.
Additional Features
- 24-hour Coverage includes coverage for accidents that occur on and off the job.
- Accidental Death and Dismemberment includes a benefit for an accidental death or covered dismemberment for you and your spouse or domestic partner.
- Line of Duty Benefit provides an additional benefit for public safety officers who suffer an accidental death or covered dismemberment or impairment while on the job.
- Health Maintenance Screening Benefit pays a $100 benefit once per calendar year when you and your spouse or domestic partner go to the doctor for a covered wellness screening, which may include a novel infectious disease test or a mammogram.
Learn the basics of Accident coverage in this short video.
Read how real customers used Accident coverage.
Fall Off a Ladder
While cleaning the gutters, Kang lost his footing and fell. He tried ice for the pain, but it worsened the next day. An urgent care facility determined he had a fractured arm and dislocated elbow. After treatment, he would need physical therapy to regain mobility. Accident coverage helped protect his savings from the out-of-pocket costs he faced.
Kang's benefits helped pay for:
- Urgent care
- X-rays
- Dislocated elbow and arm fracture treatment
- Physician follow-up
- 2 sessions of physical therapy
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Mountain Bike Tumble
Warren was mountain biking when he went over the handlebars and landed badly on his hand and shoulder. An X-ray in the emergency room showed wrist and collarbone injuries that kept him in the hospital overnight. Accident coverage helped him pay for expenses from the injury, including his medical insurance deductible.
Warren's benefits helped pay for:
- Ambulance costs
- Emergency room treatment
- X-rays
- Dislocated collarbone and wrist fracture treatment
- Hospital admission
- One-day hospital stay
- Physician follow-up
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Hit by a Car
Dante was visiting a nearby city when he was struck by a car. An ambulance took him to the hospital, where he was diagnosed with multiple fractures and admitted to the hospital for five days.
His Accident coverage helped to cover copayments, deductibles, physical therapy and his family's travel expenses.
Dante's benefits helped pay for:
- Ambulance costs
- Emergency room
- CAT scan
- Hospital admission
- Five-day hospital stay
- Leg fracture and kneecap fracture treatment
- Two physician follow-ups
- Two sessions of physical therapy
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
This coverage is portable. That means that you may be able to continue your coverage through direct bill if your employment ends or your insurance ends because you no longer meet the eligibility requirements. To begin the application process:
- Review your Certificate of Insurance for eligibility details.
- Call 800.634.1743 to continue Accident coverage directly with The Standard.
Benefit Summaries
Enrollment Forms
If you enroll in the Group Long Term Disability policy 643146 through the State of California, you will automatically be enrolled in Group Accident coverage at no cost if you are an eligible employee.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California, you’ll have access to Group Accident coverage at affordable group rates. Contact our dedicated account specialist for enrollment materials.
Certificates of Insurance
Marketing Materials
Frequently Asked Questions
Claim Forms
Critical Illness Insurance
Pay for out-of-pocket expenses if you or a covered family member are diagnosed with a covered serious illness.
Health insurance can cover many of the medical expenses related to a serious illness, but it doesn't cover everything. When it comes to co-pays, deductibles, loss of income, child care and even travel expenses, Group Critical Illness coverage can help fill that financial gap with a safety net of coverage for you and your family.
Coverage Amount
For you: $10,000
For your spouse or domestic partner: $10,000
For your child(ren): $5,000
Review your Employee Benefits Guide for exclusions, limitations and reductions.
Note: You and your spouse or domestic partner may continue coverage past age 64. However, you and your spouse or domestic partner cannot apply for new coverage past age 64. You and your spouse or domestic partner must have major medical or other minimum essential insurance that provides medical, hospital and surgical coverage to be eligible for Group Critical Illness coverage.
Premium Cost
If you enroll in the Group Long Term Disability policy 643146 through the State of California, you will automatically be enrolled in Group Critical Illness coverage at no cost if you are an eligible employee with major medical or other minimum essential insurance that provides medical, hospital and surgical coverage.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California, you’ll have access to Group Critical Illness coverage at affordable group rates. See page 19 of your Employee Benefits Guide. Contact our dedicated account specialist for enrollment materials.
Additional Features
- Health Maintenance Screening Benefit pays a $100 benefit once per calendar year when you, your covered spouse or domestic partner and your covered child(ren) go to the doctor for covered wellness screenings, which may include a novel infectious disease test or a mammogram.
- Your child(ren) are automatically covered at 50% of the amount elected for yourself for the same critical illnesses that you are. Child(ren) are also covered for 21 additional childhood diseases, including cystic fibrosis, Down syndrome, muscular dystrophy, spina bifida and cerebral palsy.
- Additional benefits included if you are diagnosed with a covered illness again after a treatment-free period of six months. You will receive 100% of the original benefit amount. If you are diagnosed with a different and subsequent covered illness after the diagnosis of the first critical illness, you will receive an additional Critical Illness benefit.
- Additional services available through Health Advocate include access to specialists for a second opinion upon approval of a covered claim.*
* Health Advocacy services are provided through an arrangement with Health Advocate, a leading health advocacy and assistance company. Health Advocate is not affiliated with The Standard or any insurance or third-party provider, and does not replace health insurance coverage, provide medical care or recommend treatment.
Payment of benefits is subject to the terms and conditions of the Group Critical Illness policy and insurance certificate. These plan documents are the final arbiter of coverages.
Diagnosis and recommendation must occur after your coverage becomes effective.
Learn the basics of Critical Illness coverage in this short video
Read how real customers used Critical Illness coverage.
Cancer
Shayna beat cancer, but not without a lot of unexpected costs. These included copays, coinsurance, deductibles, hair prosthetics, travel to specialists and alternative treatments. Not only was Shayna also out of work, her husband missed work and wages to care for her.
Benefits from Shayna's Critical Illness coverage helped to cover these expenses and give her family financial support when they needed it most. Her plan also gave her access to Health Advocacy Select*, a service that provided expert assistance to help navigate her diagnosis and treatment options.
Shayna used her insurance benefit to help pay for:
- Medical insurance deductible
- Out-of-pocket expenses for six months
- Alternative treatments and diets not covered by her medical plan
- Transportation to medical appointments and treatments
- Lodging near her treatment facility
- Her husband's lost wages
* When we approve a Critical Illness claim, we’ll send the employee information about Health Advocacy Select. This service is provided through an arrangement with Health Advocate™, a leading health advocacy and assistance company. Health Advocate is not affiliated with The Standard or any insurance or third-party provider, and does not replace health insurance coverage, provide medical care or recommend treatment. Eligibility varies by state
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations. Eligibility for Health Advocacy Select varies by state.
Heart Attack
When Meghan's husband had a heart attack, he was hospitalized and out of work for months. Thankfully, Meghan’s Critical Illness coverage for her spouse helped them to pay his deductible, copays, out-of-pocket medical expenses and even regular monthly bills while he recovered. It even paid for specialists that helped her husband improve his overall health and manage his stress.
Because Meghan’s plan included Health Advocacy Select*, they also received the personal support of an expert who helped locate alternate resources and manage out-of-pocket expenses.
Meghan used her insurance benefit to help pay for:
- Medical insurance deductibles
- Prescription copays and coinsurance
- Sessions with a wellness specialist
- Lost wages
* When we approve a Critical Illness claim, we’ll send the employee information about Health Advocacy Select. This service is provided through an arrangement with Health Advocate™, a leading health advocacy and assistance company. Health Advocate is not affiliated with The Standard or any insurance or third-party provider, and does not replace health insurance coverage, provide medical care or recommend treatment. Eligibility varies by state.
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations. Eligibility for Health Advocacy Select varies by state.
Congenital Illness
Mateo’s son was born with a developmental abnormality called spina bifida. This non-life-threatening condition requires a lot of special care, including specialist visits, surgeries and assistive devices.
Fortunately, Mateo's Critical Illness coverage paid a child disease benefit equal to 50% of the coverage amount he chose for himself. This money helped to pay for many of the unexpected costs of his son’s care.
Because Mateo’s plan also included Health Advocacy Select, he received the one-on-one support of an expert.* Together, they sought the best treatments for his baby's diagnosis and helped Mateo build a care plan he could feel confident about.
Mateo used the insurance benefit to help pay for:
- Medical insurance deductibles
- Specialist copays for six visits
- Coinsurance for two surgeries
- Assistive devices
* When we approve a Critical Illness claim, we’ll send the employee information about Health Advocacy Select. This service is provided through an arrangement with Health Advocate™, a leading health advocacy and assistance company. Health Advocate is not affiliated with The Standard or any insurance or third-party provider, and does not replace health insurance coverage, provide medical care or recommend treatment. Eligibility varies by state
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations. Eligibility for Health Advocacy Select varies by state.
Advanced Alzheimer's Disease
As Steven's husband progressed into the later stages of Alzheimer’s disease, caring for him got more expensive. Steven now had to manage his husband’s failing health as well as the financial burden of copays, prescriptions and therapies not covered by medical insurance. Eventually, he also had to hire in-home help.
Fortunately, Steven had purchased Critical Illness coverage for his spouse. The benefits from this coverage helped to pay the growing costs of his husband’s care. Their plan also included Health Advocacy Select.* This service provided them with a personal expert to help find and schedule appointments with the right doctors and specialists. With that added support, Steven took comfort in being able to focus on adjusting their lives to care for his husband.
Steven used his insurance benefit to help pay for:
- Doctor visit copays
- Prescription copays
- Safety-related home modifications
- In-home caregiver for 20 hours per week
* When we approve a Critical Illness claim, we’ll send the employee information about Health Advocacy Select. This service is provided through an arrangement with Health Advocate™, a leading health advocacy and assistance company. Health Advocate is not affiliated with The Standard or any insurance or third-party provider, and does not replace health insurance coverage, provide medical care or recommend treatment. Eligibility varies by state.
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations. Eligibility for Health Advocacy Select varies by state.
This coverage is portable. That means that you may be able to continue your coverage through direct bill if your employment ends or your insurance ends because you no longer meet the eligibility requirements. To begin the application process:
- Review your Certificate of Insurance for eligibility details.
- Call 800.634.1743 to continue Critical Illness coverage directly with The Standard.
Benefit Summaries
Enrollment Forms
If you enroll in the Group Long Term Disability policy 643146 through the State of California, you will automatically be enrolled in Group Critical Illness coverage at no cost if you are an eligible employee.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California, you’ll have access to Group Critical Illness coverage at affordable group rates. Contact our dedicated account specialist for enrollment materials.
Certificates of Insurance
Marketing Materials
Frequently Asked Questions
Claim Forms
File a Claim
We're here to help. Please contact us if you need assistance with filing a claim.
How Can I File a Claim Online?
- Log in at standard.com.
- After logging in, go to the Long Term Disability, Accident and Critical Illness Benefits or Health Maintenance Screening section and click Start a New Claim.
- This will take you to the Set Up Your Claim page. Choose the coverage or benefit that applies to your claim and follow the instructions.
Don’t have an account?
You’ll need to create an account to file your claim and log in.
- Create an Account on standard.com.
- Choose My Insurance Benefits Through Work.
- Follow the prompts, including 2-step verification.
- Select Insurance Benefits, Absences and Leaves and enter your information.
- Click Start a New Claim. If you don't see Start a New Claim, log out of your account. Log in and wait up to one minute for your account to refresh.
- This will take you to the Set Up Your Claim page. Choose the coverage or benefit that applies to your claim and follow the instructions.
Need to connect your account?
If you did not see what you expected to see, you may need to connect your account to claim services.
- Log in at standard.com.
- At the bottom of the page, click connect your account.
- Select Insurance Benefits, Absences and Leaves and enter your information with one of the following options:
- Option 1: Enter your Social Security number
- Option 2: Enter your Policy Number (643146) and Social Security number in the Employee ID Number field
- Option 3: Enter your Group ID Number (10106048)
- Click Add Services. This will redirect you to the home screen where you will have the option to Start a New Claim.
Completed, signed and dated forms and supporting documentation may be sent to The Standard by mail or fax.
| Form | Other Ways to File |
|---|---|
Email: Fax: Mail: | |
Telephonic: Fax: Mail: |
You need to provide the following information for all claims:
- Employer Name: State of California
- Group Policy Number: 643146
- Physician’s contact information (name, address, phone and fax number)
Frequently Asked Questions and Process Documents
Frequently Asked Questions
You are eligible for coverage if you are an active employee of the State of California who (a) is appointed to a permanent half-time or greater position, (b) is a citizen or resident of the United States or Canada, (c) is actively at work*, and (d) is one of the following:
- An Excluded employee in one of the classifications listed below:
- Constitutional Officers (other than Legislative members) (E92)
- Managerial (M, E50, E59, E79, E99)
- Supervisory (S, E48, E58, E68, E78, E98)
- Confidential (C, E97) Excluded/Exempt (E88, E89)
- An employee whose position was redesignated to one of the classifications listed below, who was insured under the State of California’s Group Long Term disability Insurance plan for Excluded employees immediately prior to the redesignation, and who has remained continuously insured under that plan:
- E01 through E21
- E67 or E77
You are not eligible for coverage if you are any of the following:
- A seasonal employee.
- A full-time member of the armed forces of any country.
- A leased employee or independent contractor.
- A temporary employee (other than an employee on a limited term appointment who has a mandatory right of return to a position and status under which the employee will meet the definition of a member).
*For purposes of the member definition, actively at work will include regularly scheduled days off, holidays, or vacation days, so long as the person is capable of active work on those days.
Note: You must be under age 64 and have major medical or other minimum essential insurance that provides medical, hospital and surgical coverage to enroll in Group Critical Illness coverage.
To elect coverage, please visit Ready Enroll.*
- Your username is your nine digit Social Security number with no dashes.
- The PIN resets to the last four digits of your Social Security number followed by the last two digits of your birth year. This reset occurs every year during Open Enrollment.
- Please see the Ready Enroll Instructions to enroll online.
If you enroll in the Group Long Term Disability policy 643146 through the State of California, you will automatically be enrolled in Group Accident and Group Critical Illness coverage at no cost if you are an eligible employee.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California, you’ll have access to Group Accident and/or Group Critical Illness coverage at affordable group rates. Contact our dedicated account specialist for enrollment materials.
*Active Military, California Exposition and State Fairs, and California Fairs Services Authority Employees: You are required to enroll using an enrollment form that must be returned to your department’s personnel office for processing. Please email The Standard or your departmental personnel office for the appropriate form.
No, medical underwriting approval is not required.
Long Term Disability coverage will become effective as follows:
- If your application for coverage is processed by the 10th day of the calendar month, your coverage will become effective on the first day of the next calendar month.
- If your application for coverage is processed after the 10th day of the calendar month, your coverage will become effective on the first day of the second calendar month following the date you applied.
Your spouse or domestic partner and child(ren) are not eligible for Long Term Disability coverage.
You can elect Accident and/or Critical Illness coverage for your eligible spouse or domestic partner.
Your child(ren) are automatically covered for Critical Illness coverage at 50% of the amount elected for yourself for the same critical illnesses that you are. Child(ren) are also covered for 21 additional childhood diseases, including cystic fibrosis, Down syndrome, muscular dystrophy, spina bifida and cerebral palsy.
Premiums for your Group Long Term Disability coverage will be deducted from your paycheck on an after-tax basis. Premiums for Group Accident and Group Critical Illness for your spouse or domestic partner are also deducted from your paycheck.
If you don't enroll in the Group Long Term Disability policy 643146 through the State of California but elect Group Accident and/or Group Critical Illness coverage, contact our dedicated account specialist to set up monthly premium billing.
- To update your beneficiaries online, please visit Ready Enroll.
- Your username is your nine digit Social Security number with no dashes.
- The PIN resets to the last four digits of your Social Security number followed by the last two digits of your birth year. This reset occurs every year during Open Enrollment.
- Click Change my beneficiary on the right side of your screen.
- Click the plus sign on the right side of your screen.
- Update information as appropriate.
You may terminate coverage at any time. Increases and decreases of coverage may only be done during a designated Open Enrollment period.
Starting Jan. 1, 2026, you may enroll, increase or decrease coverage any time after you meet the initial eligibility requirements.
For information about the plan, how to enroll, issues, cancelling coverage or filing a claim, contact your departmental personnel office.
You can also email the California Department of Human Resources or call The Standard's Customer Service line toll-free at 888.641.7193 or direct at 971.321.8150.