State of California

Group Long Term Disability Insurance for Excluded Employees


Key Features of the Plan


Your Benefit Options

Your contribution is determined by the plan option you elect. Payments are then conveniently managed by automatic payroll deduction.

Decide the Benefit Level for Your Needs:

  • Replace up to 55 percent of the first $18,182 of your monthly base salary to a maximum of $10,000 per month, reduced by deductible income, or
  • Replace up to 65 percent of the first $15,385 of your base salary to a maximum of $10,000 per month, reduced by deductible income

Your Benefit Waiting Period: Benefits become payable after a six-month waiting period during which you are continuously disabled.

Your Maximum Benefit Period: Benefits may continue until age 65, Social Security Retirement age or whichever is longer.

Your Minimum Benefit: $100 or 15 percent of your Long Term Disability benefit, whichever is greater.


Some Additional Perks of the Plan:

  • Survivors Benefit Amount: If you've been receiving Long Term Disability benefits for at least 180 days and die while Long Term Disability benefits are payable, your survivors are eligible to receive a lump-sum payment equal to six times your monthly Long Term Disability Benefit without reduction by Deductible Income.
  • Dependent Education Benefit: 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, you'll receive an additional $150 per month up to 48 months for each child.
  • Family Care Expenses Adjustment: If you incur child or elder care expenses as a result of your participation in an approved rehabilitation plan, your benefit payment may be adjusted. You can receive up to $250 per family member, subject to a total monthly maximum of $500, for up to 24 months to offset the cost of care for your child, spouse, grandparent, sibling or another close family member residing in your home who is handicapped and depends on you for support.
  • Conversion: You may be able to continue your Long Term Disability coverage after you terminate your employment with the State of California.
Learn more by reviewing 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.