State of California

Group Long Term Disability Insurance for Excluded Employees


Are You Prepared for a Disability?

Would you be able to meet your financial obligations if you became disabled and unable to work? LTD insurance is designed to pay a monthly benefit to you in the event you cannot work for 6 months or longer 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.

By sponsoring group Group LTD insurance from The Standard, the State of California offers you an excellent opportunity to help protect yourself and your lifestyle.


Disability Facts — Did You Know?

  • 1 in 4 20-year-olds will become disabled before reaching age 67.
  • 1 in 5 Americans – 56 million people – live with a disability.
  • 1 in 10 Americans live with a severe disability.


Use the Needs Estimator to determine if you need LTD coverage. Group LTD insurance from The Standard may be part of the solution for you.

Before enrolling, review the Decision Support Tool, Group Long Term Disability Insurance Booklet and Certificate of Insurance for answers to commonly asked questions, costs, exclusions, limitations and reductions.



Source: Social Security Administration