Long Term Disability

Group long term disability insurance through Standard Insurance is available to eligible employees. This insurance is designed to help protect eligible employees against a loss of income in the event they become disabled and are unable to work for an extended period of time.

Group Long Term Disability Claim Packet

Group Long Term Disability Insurance

LTD Benefit: 60% of the first $9,167 of pre-disability earnings reduced by deductible income
Maximum Benefit: $5,500 per month
Benefit Waiting Period: 180 days (must use sick leave)
Maximum Benefit Period: Age 65+ ADEA
Own Occupation Period: 2 years
Partial Disability Coverage: Included

Exclusions and Limitations

  • Must be a member and meet active work requirement
  • 3/12 pre-existing condition exclusion
  • War, any act of war, exclusion
  • Intentionally self-inflicted injury, while sane or insane, exclusion
  • Must be under the ongoing care of a physician
  • 24-month mental disorder limitation
  • 12-month musculoskeletal and connective tissue disorders limitation
  • 12-month chronic fatigue conditions limitation
  • 12-month chemical and environmental sensitivities limitation
  • Rehabilitation program requirement

Deductible income includes the following.

  • Social Security payments you or your dependents receive or are eligible to receive because of your disability or retirement
  • Workers' Compensation payments you receive or are eligible to receive
  • Disability or retirement benefits you receive or are eligible to receive under your employer's retirement plan, including a public employee or state teacher retirement system plan (i.e., Texas County & District Retirement System) and a union or employee association plan


This material is only a brief description of the coverage that your employer makes available to eligible employees. The certificates that are issued to insured members contain more detailed information, including the full text of the definitions, exclusions, limitation, reductions and terminating events that will apply. Note: Only the Group Policy will contain all the controlling terms and provisions of coverage.