Standard Insurance Company is pleased to provide group Life, Accidental Death and Dismemberment, Short Term Disability and Long Term Disability insurance to eligible members of the Oregon Educators Benefit Board. This site explains the coverages available and provides resources to help you take advantage of them.
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Life and AD&D | Short Term Disability | Long Term Disability | Enrollment | Contact Information
Life and AD&D Insurance
Group Life and AD&D insurance can help protect your family’s finances if death or a serious accident keeps you from providing for them.
Please select your employer-specific Basic Life plan from the list below. If your plan is not currently posted, please contact your human resources representative.
Basic Life Plans 1-10
Basic Life Plans 11-18
Basic AD&D Plans 1-10
Basic AD&D Plans 11-18
Since everyone's needs are different, OEBB provides you the opportunity to apply for Optional Life and AD&D insurance.
You can select an amount of protection you feel will best meet the needs of your loved ones. Use the Life insurance needs calculator to estimate how much coverage you might need and the premium calculator to estimate your cost.
Check with your human resources representative to determine the specific plans you are eligible for. Before enrolling, review the following booklets for answers to commonly asked questions, costs, exclusions, limitations and reductions.
If you need help deciding whether to add this coverage, take a moment to watch the overviews.
Travel Assistance
Designed to respond to most medical care situations and many other emergencies you and your family experience when you travel more than 100 miles from your home or internationally for up to 180 days for business or pleasure. Travel Assistance provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home.
View the following materials to learn about aid offered before and during your trip.
- Travel Assistance Flyer - English
- Travel Assistance Flyer - Spanish
- Travel Assistance FAQ
- Travel Assistance Wallet Card
Life Services Toolkit
You and your beneficiaries have access to a tool to address important life matters via The Standard's Life Services Toolkit.
As a participant, you will have access to services to help you now:
- Estate Planning Assistance: Online tools walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney and advance directives.
- Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments and take care of other financial matters with confidence.
- Health and Wellness: Timely articles about nutrition, stress management and wellness help you and your loved ones lead healthy lives.
- Identity Theft Prevention: Learn ways to thwart identity thieves and resolve issues if identity theft occurs.
- Funeral Arrangements: Use the website for guidance on how to begin, to educate yourself on funeral costs, find funeral-related services and make decisions about funeral arrangements in advance.
View the following materials to learn how to access these services.
- Life Services Toolkit Flyer for Employees
- Life Services Toolkit Flyer for Employees - Spanish
- Life Services Toolkit On-Line Will Preparation Flyer
- Life Services Toolkit On-Line Will Preparation Flyer - Spanish
Your beneficiaries will also have access to services that will help them cope after a loss:
- Grief Support: Counselors are on call to provide confidential grief sessions by phone or refer you to a counselor in your area. Beneficiaries are eligible for up to six face-to-face sessions.
- Legal Services: Beneficiaries can obtain legal assistance from experienced attorneys. They can schedule an initial 30-minute office visit or telephone consultation with a network attorney. Beneficiaries who wish to retain a participating attorney after the initial consultation receive a 25% rate reduction from the attorney's normal hourly or fixed fee rates.
- Financial Assistance: Beneficiaries have access to financial counselors who can help with budgeting and credit and debt management via telephone sessions.
- Support Services: Work-life advisors can guide beneficiaries to resources to help manage household repairs and chores, find child care and elder care providers or organize a move or relocation.
- Online Resources: Beneficiaries can easily access additional services and features on the Life Services Toolkit website, including online resources about funeral costs, find funeral-related services and make decisions about funeral arrangements.
Beneficiaries can view the following materials to learn how to access these services.
Short Term Disability
Group STD insurance can replace part of your paycheck if you’re disabled and can’t work for a short time.
Short Term Disability insurance replaces a portion of your pay when you miss work because of a covered disability. STD insurance also:
- Pays you directly to help cover costs during recovery, like housing, food and child care
- Can continue partial benefit payments after you return to work
- Can resume paying benefits with no waiting period, if your disability returns within a specified amount of time
Use the needs calculator to determine if STD insurance from The Standard may be part of the solution for you.
Check with your human resources representative to determine the specific plans you are eligible for. Before enrolling, review the Short Term Disability booklet for answers to commonly asked questions, costs, exclusions, limitations and reductions.
Voluntary Plans:
Mandatory Plans:
Mandatory/Employee-Paid Plans:
If you need help deciding whether to add this coverage, please take a moment to watch the overview.
Examples of how Short Term Disability insurance can help protect your income:
Pregnancy
- Emma gives birth.
- She missed six weeks of work to recover from her pregnancy, which also allowed her to be with her baby.
- Her paychecks stop, but there are still expenses related to having a newborn.
- Short Term Disability coverage pays part of her wages during this time, which helps Emma take care of her new family member.
Back Surgery
- Robert has back surgery.
- He can’t work for several months.
- His income stops but his mortgage, child care and other bills keep coming.
- Short Term Disability coverage pays part of his earnings while he’s disabled, helping him keep his finances on track.
Examples are for illustrative purposes. Eligibility for benefits and amounts shown in these examples may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Certificates
Forms
- Online Claim Submission
- Paper Claim Packet
- Stay-At-Work Packet
Flyers
- Health Advocacy Select
- Health Advocacy Select - Spanish
- The Need for Disability Insurance
- Workplace Possibilities Program Introduction
- Workplace Possibilities Program Introduction - Spanish
Frequently Asked Questions
Long Term Disability
Group LTD insurance can replace part of your paycheck if you’re disabled and can’t work for an extended period of time. That could be a few months to several years.
Long Term Disability insurance replaces a portion of your pay when you miss work because of a covered disability. LTD insurance also:
- Pays you directly to help you protect your lifestyle and savings
- Can continue partial benefit payments after you return to work
- Can resume paying benefits with no waiting period, if your disability returns within a specified amount of time
Use the needs calculator to determine if LTD insurance from The Standard may be part of the solution for you.
Check with your human resources representative to determine the specific plans you are eligible for. Before enrolling, please review the Long Term Disability booklet for answers to commonly asked questions, exclusions, limitations and reductions.
Voluntary Plans:
Mandatory Plans:
Mandatory/Employee-Paid Plans:
If you need help deciding whether to add this coverage, take a moment to watch the overview.
Examples of how Long Term Disability insurance can help protect your income:
Cancer
- Bella had a heart condition, then was diagnosed with cancer.
- Chemotherapy left her too drained to work her construction job — and facing extra expenses such as co-pays and in-home care.
- Long Term Disability coverage kept part of her pay coming in — and her retirement savings intact.
Car Accident
- A severe car accident left Carl with back injuries and unable to work for several months.
- His Long Term Disability plan replaced part of his paycheck. That helped him pay for his rent, groceries, kids’ birthday presents and other expenses.
- Carl’s insurance also paid for an adjustable desk and chair that helped him work part-time while recovering. He received partial LTD benefits until he could work full-time.
Examples are for illustrative purposes. Eligibility for benefits and amounts shown in these examples may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Certificates
Forms
- Evidence of Insurability
- Online Claim Submission
- Paper Claim Packet
- Stay-At-Work Packet
- Request for LTD Conversion Materials
Flyers
- The Need for Disability Insurance
- Workplace Possibilities Program Introduction
- Workplace Possibilities Program Introduction - Spanish
Frequently Asked Questions
Enroll in Coverage
New Hires: If you were recently hired, you may enroll within 31 days of your date of hire.
All Other Employees: You may enroll during your annual enrollment period or within 31 days of your change in family status.