State of Nevada

Long Term Disability (LTD) Insurance


If you participate in a State of Nevada PEBP–sponsored medical plan, the State provides Long Term Disability (LTD) insurance. This insurance is designed to help protect you against a loss of income in the event you become disabled and are unable to work for an extended period of time.


If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 180–day Benefit Waiting Period. No benefits are payable during the Benefit Waiting Period. The monthly LTD benefit is based on your earnings from the State of Nevada. Your monthly LTD benefit is 60 percent of the first $12,500 of your monthly earnings, as defined in the group insurance policy, reduced by deductible income. See the LTD Certificate of Insurance for more detailed information.


The State of Nevada PEBP has chosen The Standard to provide Life, AD&D, STD and LTD insurance coverage to eligible members. Just as others count on you, you can count on Life, AD&D, STD and LTD insurance from The Standard to help protect your family in their time of need.