State of South Carolina PEBA

State of South Carolina Public Employee Benefit Authority

Standard Insurance Company (The Standard) provides Basic Long Term Disability (BLTD) and Supplemental Long Term Disability (SLTD) insurance to eligible employees covered by insurance benefits administered by the State of South Carolina Public Employee Benefit Authority (PEBA).

 

BLTD Insurance

Basic Long Term Disability Insurance

 

You are automatically enrolled in Basic Long Term Disability (BLTD) insurance at no cost if you enroll in health insurance. It is designed to pay a benefit to you in the event you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need. Below is an overview of the coverage:

  • Maximum BLTD benefit of $800 per month.
  • A 90-day benefit waiting period. This is the length of time you must be disabled before benefits are payable. If your BLTD claim is approved by The Standard, then BLTD benefits become payable at the end of the 90-day benefit waiting period.
  • Monthly BLTD benefit is always the smaller of these two calculations: 62.5 percent of the first $1,280 of your monthly predisability earnings or 62.5 percent of your monthly predisability earnings reduced by deductible income, as defined in the group insurance policy. The monthly BLTD benefit is based on your earnings as of January 1 of the year you become disabled or the date of hire if you are disabled during the first year of your membership.

For a list of the defined terms, exclusions, limitations and reductions, please review the Basic Long Term Disability Certificate.

SLTD Insurance

Supplemental Long Term Disability Insurance

 

Eligible active employees may elect more coverage for additional protection. The Supplemental Long Term Disability (SLTD) benefit provides competitive group rates; survivor's benefits for eligible dependents; coverage for injury, physical disease, mental disorder or pregnancy; return-to-work incentive; SLTD conversion insurance; cost-of-living adjustment; and lifetime security benefit. Below is an overview of the coverage:

  • A minimum $100 monthly benefit and a maximum $8,000 monthly benefit.
  • A 90-day or 180-day benefit waiting period. This is the length of time you must be disabled before benefits are payable.
  • Monthly benefit of 65 percent of your predisability earnings, reduced by deductible income.

You can enroll in SLTD insurance coverage through PEBA during your initial enrollment (within 31 days) or throughout the year with medical evidence. Contact your benefits administrator for more information on how to enroll. Your premium is determined by your age as of the preceding January 1 and your benefit waiting period.

To determine how much SLTD coverage you may need, please use the Needs Estimator. Before enrolling, review the Supplemental Long Term Disability Insurance Booklet and Supplemental Long Term Disability Certificate for answers to commonly asked questions, costs, exclusions, limitations and reductions.

Conversion

Converting Long Term Disability Insurance

 

When your SLTD coverage ends, you may be eligible to convert your coverage to an individual insurance policy if you meet all of these criteria:

  • Your insurance ends for a reason other than:
    • Termination or amendment of the group policy;
    • Your failure to make a required premium contribution; or
    • Your retirement.
  • You were insured under PEBA's long term disability insurance plan for at least one year as of the date your insurance ended.
  • You are not disabled on the date your insurance ends.
  • You are a citizen or resident of the United States or Canada.
  • You apply in writing and pay the first premium for SLTD conversion insurance within 31 days after your insurance ends.

The effective date of your converted policy will be the day after your insurance ends under the Supplemental Long Term Disability policy.

Please note that long term disability conversion insurance is not a continuation of your insurance under the SLTD insurance policy that PEBA has with The Standard. It is a separate and distinct policy which may provide different benefits, exclusions, limitations and reductions than those provided under your group policy. See the Supplemental Long Term Disability Certificate for specific details about the conversion provision.

To apply or receive conversion materials, please complete the Request for Long Term Disability Conversion Materials. If you have questions, or want rate information, please contact The Standard at 800.378.4668.

Forms and Resources

Forms and Resources

 

You can learn more about Supplemental Long Term Disability insurance in this flyer. You can also learn more about Supplemental Long Term Disability insurance in this booklet.

Certificates

Certificates

 

You can learn more about Supplemental Long Term Disability insurance in this flyer. You can also learn more about Supplemental Long Term Disability insurance in this booklet.

Employer Frequently Asked Questions

Employer Frequently Asked Questions

 

When should I encourage a disabled employee to file a claim for long term disability benefits?

Typically, The Standard advises that an long term disability claim be filed during the first month of absence, but no later than halfway through the employee's benefit waiting period as defined in your group policy. If the employee can be accommodated in some capacity, but might need some assistance, please contact The Standard for possible rehabilitation assistance at 800.628.9696.
 

How can I file a claim?

  • To file a claim by telephone, contact The Standard's Claim Intake Service Center at 800.628.9696.
  • To file a claim online, use this link to begin the claim process. Instructions will be provided through the entire claim submission process.
  • To file a paper claim, the Long Term Disability Claim Packet is available on this website.
     

How frequently are long term disability benefits paid after a claim has been approved?

Long term disability benefits are paid at the end of the calendar month, which is determined by the employee's date of disability and benefit waiting period. For example, if the disability date is March 5 and the benefit waiting period is 90 days, the benefit waiting period would be served as of June 2. Benefits would become payable on June 3, the first benefit check would be paid by July 1, and the continuing benefit checks would be sent to the employee by the first of each month.
 

What should I do when an employee with a pending or active long term disability claim returns to work or dies?

If an employee who has a current long term disability claim with The Standard returns to work in any capacity or dies, immediately notify The Standard at 800.628.9696. Additional information will be requested as needed to determine whether further benefits may be payable under the terms of your group policy.
 

How may I obtain information regarding claims submitted for my employer group?

The Standard offers the following reports and services to keep you informed about the status and payment of long term disability benefits under your group policy:

  • Monthly Group Benefits Activity Report: Automatically sent to you at the end of each month, this provides a summary of benefit payments and/or activity during the month.
  • Integrated Voice Response (IVR): The Standard's toll-free customer service line is available to you and your employees 24 hours a day, seven days a week. The IVR system offers basic claims information, corresponding to the employee's Social Security number and date of birth.
     

Are long term disability benefits subject to taxes?

If you pay all or a portion of the premiums for your employees' long term disability benefits, the amount of benefits attributable to the employer's premium contribution is subject to tax. The Standard will submit long term disability W-2s at year-end showing the taxable amount according to IRS regulations. If you change your premium contribution arrangements, your group policy must be amended to reflect the change. Advise insured employees to consult their tax advisors for more specific information.
 

Are disability benefits taxable if employees pay for the coverage through a 125 or cafeteria plan?

If employee premium contributions are paid for with pre-tax dollars, the disability benefits are taxable. If premiums are paid with post-tax dollars, the portion of the benefits attributable to employee contributions is not taxable.

 

How can I enroll?

You can enroll in SLTD insurance coverage through PEBA during your initial enrollment (within 31 days) or throughout the year with medical evidence. Contact your benefits administrator for more information on how to enroll.

Coverage subject to medical evidence is not effective until approved by The Standard.

Calculators

How can I file a claim?

Video Library

Contact us


  • For more information about enrollment and long term disability benefits, contact PEBA at peba.sc.gov/contact.
  • If you have questions about a claim you have filed, contact The Standard at 800.628.9696.
  • If you have questions about converting your long term disability benefits, contact The Standard at 800.378.4668.