Life and AD&D Insurance

Life Services Tookit Needs Estimator Premium Calculator

Voluntary AD&D Insurance

Premium Calculator

Long Term Disability Insurance

Needs Estimator Premium Calculator

How to Enroll

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Forms Basic and Supplemental Life Beneficiary Designation and Change Form Enrollment and Change Form LTD Claim Packet Booklets Additional Life Employee Booklet Buy-up LTD Employee Booklet Certificates Life and AD&D Long Term Disability

Long Term Disability Insurance

Long Term Disability Insurance


  • Use the Needs Estimator to estimate how much life insurance you should have.
  • Once you know how much life insurance you should have, find out how much it will cost by using the Premium Calculator.

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work for 120 or 180 days 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.

Members as defined in the Certificate of Insurance are automatically eligible to enroll in one of Montana University system's two Buy-up Long Term Disability (LTD) programs. You are automatically enrolled in the base plan which provides coverage up to 60% of the first $15,333 of your predisability earnings once you have been Disabled for 180 days or more. If you require additional coverage beyond the base plan you may enroll in one of two buy-up program options that increase the amount of coverage and/or decrease the length of time you must be disabled before benefits become payable (Benefit Waiting Period). Buy-up LTD Option 1 covers 66 2/3% of the first $13,800 of your predisabiltiy earnings with a Benefit Waiting Period of 180 days. Option 2 covers 66 2/3% of the first $13,800 of your predisability earnings with a Benefit Waiting Period of 120 days. Please note that no benefits are payable during the Benefit Waiting Period. The maximum LTD benefit is $9,200 per month.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Long Term Disability Insurance Booklet and Certificate of Insurance.

Montana University Systems has chosen Standard Insurance Company to provide Life, AD&D, and LTD insurance coverage to eligible employees. The Standard delivers real value through well-designed products, competitive prices and the promise of exceptional service. Just as others count on you, you can count on The Standard to help protect your family in their time of need.

If you would like to enroll for coverage, please speak with your human resource representative regarding your enrollment options and complete the Enrollment and Change Form.