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Group Long-Term Disability Insurance (LTD)– Excluded Employees Only

LTD Insurance is a voluntary state plan that is available to eligible excluded state employees only. This benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need due to a loss of income in the event you cannot work for six months or more due to a covered illness or injury. Protecting your income is the key to maintaining your standard of living.

Open Enrollment is April 1 through April 30

Open enrollment for LTD will be held April 1 through April 30, 2019.  During open enrollment eligible employees can enroll in LTD and current participants can change plan options. If you're already enrolled in LTD, you do not need to re-enroll, as coverage continues automatically.

If you enroll online between April 1 – 10, your coverage will be effective May 1. If you enroll online between April 11 -30, your coverage will be effective June 1.

Enrollment

Effective date

  • If the online enrollment application is processed by the 10th day of the calendar month, the insurance will become effective on the first day of the next calendar month.
  • If the online enrollment application is processed after the 10th day of the calendar month, the insurance will become effective on the first day of the second calendar month following the date the employee applied.

Example
Hired January 1 (60 day eligibility period ends March 1)
Enrolled online Jan 1
Effective February 1
Premiums will be taken from January pay

Hired January 1 (60 day eligibility period ends March 1)
Enrolled Jan 11
Effective March 1
Premiums will be taken from February pay

Hired January 1 (60 day eligibility period ends March 1)
Enrolled March 2
Missed enrollment opportunity, must wait until the next Open Enrollment period

How to Enroll in LTD

Visit Standard's website and select the Enroll Now tab to enroll online.

If you do not wish to enroll online, you can complete, print, sign, and date an Enrollment Authorization form  and mail it to Standard Insurance. Paper enrollments must be received by Standard before the 60-day eligibility period ends or by end of Open Enrollment. Please retain a copy for your records.

Cancelation

You may cancel your plan at any time by contacting Standard Insurance by phone or going online.

Retirement

Your LTD will cancel automatically the month you retire.

Eligibility

Active excluded employees appointed permanent, half time or greater, with one of the following designations are eligible to enroll in LTD:

  • Managerial (M, E50, E59, E79, E99)
  • Supervisory (S, E48, E58, E68, E78, E98)
  • Confidential (C, E97)
  • Constitutional Officers (other than Legislative members) (E92)
  • Excluded/Exempt (E88, E89)
  • Excluded employees who are enrolled in LTD at the time they are re-designated to E01 through E21, E67, or E77 due to middle management reductions are allowed to continue the coverage. However, future incumbents appointed to these positions will be designated represented and are not eligible for LTD.  

Employees on limited term appointments who otherwise meet the eligibility criteria may enroll in LTD only if they have a mandatory right of return to a position and status that also meet the criteria.

Not Eligible

Represented (Rank and File) employees are not eligible to enroll. However, they can contact their union to determine if there are any union-sponsored disability benefits available to them.

Summary of Benefits

The State of California LTD Plan offers excluded employees the opportunity to purchase coverage and choose between two plan options which provide the following:

Choose the Plan Option that Meets Your Needs:

  • Replace up to 55 percent of the first $18,182 of your monthly base salary to a maximum of $10,000 per month, reduced by deductible income, or
  • Replace up to 65 percent of the first $15,385 of your base salary to a maximum of $10,000 per month, reduced by deductible income.

Benefit Waiting Period: Benefits become payable after a six-month waiting period during which you are continuously disabled. Employees are responsible for making monthly premium payments during the Benefit Waiting Period.

Your Maximum Benefit Period: Determined by your age at the time of your disability, benefits may continue until age 65, your Social Security retirement age, or the plan's age-graded schedule, whichever is greater.

Minimum Benefit: $100 or 15 percent of your benefit before reduction by deductible income, whichever is greater.

Federal and State Income Tax-free benefits: premium payments are made with after-tax dollars.

Convenience: monthly premiums are deducted through payroll deductions.

24 hour coverage: for disabilities that occur both on and off the job.

Rehabilitation Plan: provision that prepares you to return to work.

Family Care Expenses Adjustments: If you're participating in an approved rehabilitation plan and incur child or elder expenses as a result, you may receive an adjustment to any work earnings offset.

Dependent Education Benefit: If you have a dependent under the age of 22 attending an accredited post-secondary school on a full-time basis while you are disabled, you'll receive an additional $150 per month for up to 48 months for each child.

Survivors Benefit Amount: Survivors benefit equal to six times your unreduced LTD benefit may be payable to your survivors if you die while benefits are payable and you have been continuously disabled for at least 180 days. Any survivors benefit payable will be first applied to any overpayment of your claim due to Standard.

Conversion of Coverage: may be available to an employee whose coverage is ending and who has been insured continuously under the LTD for at least one year.

Premiums

Are based on your age and the plan option chosen.

How to calculate your monthly LTD premium:

Monthly base salary (x) age (+) 0.80 administrative fee =  monthly premium

Premium Increase

Premiums will increase if you have a salary increase (e.g. Merit Salary Adjustment or Range Change).

On January 1, your premiums will increase if you move from one age category to the next age category.

Plan Options

Option A - 65 Percent

​AGE​FACTOR
UNDER AGE 300.00030
30 – 390.00086
40 – 490.00203
50 – 590.00408
Over  600.00452

 Option B – 55 Percent 

​AGEFACTOR​
UNDER AGE 300.00014
30 – 390.00043
40 – 490.00102
50 – 590.00206
Over  600.00229

Example of Premium Level

How to determine which plan option is best for you.

Example:

Employee Age 50 Option A – 65 PercentOption B - 55 Percent
Monthly Salary $6,500.00$26.52$13.39
Plus $0.80 Admin Fee$0.80$0.80
Total Monthly Premium$27.32$14.19

How To File A Claim

You or your employer may contact Standard Insurance at 1-888-641-7193, to start the process of filing a claim.

Standard Insurance will mail the following to you and your employer:

  • State of California Long Term Disability Benefits Employee's Statement (SI3379-643146-EE)
  • State of California Long Term Disability Employer's Statement (SI3379-643146-ER)
  • A postage paid return envelope.

Completed forms must be mailed to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Waiting Period

LTD has a six month waiting period.

Premiums must be paid during the waiting period or until your claim has been approved in order to be eligible to receive benefits.

If you are off pay status during the waiting period, contact Standard Insurance to make arrangements regarding your premiums.

When to File Claim

You may file a claim if you have an injury or illness that will prevent you from working six months or longer. 

You should not wait until the end of the six month waiting period to file a claim as this may delay the payment of benefits.

If you have filed a workers' compensation claim or are receiving payments, you may still be eligible to receive LTD benefits.

More Information

Please contact CalHR Benefits Group Long Term Disability.

Reading Material

Certificate of Insurance for Excluded Employees

Group Long Term Disability Insurance Booklet

Help Protect Your Income SI 17750-643146

Frequently Asked Questions

Are my dependents eligible to enroll into LTD?

No. Only employees are eligible to enroll in LTD.

Is Long Term Care the same as Long Term Disability?

No. The Long-Term Care (LTC) Program offered through CalPERS, provides coverage for employees who need extended care due to a chronic disease, age, or serious accident. Long Term Disability is income protection for active eligible excluded employees who cannot work due to a serious injury or illness.

For information about the CalPERS LTC Program, please visit their website at www.calperslongtermcare.com.

What if I have moved to a represented position?

If you cease to be eligible due to a classification change, you can continue coverage for up to 24 months by making payments directly to Standard Insurance. 

You must request this continuance in writing within 60 days of the date you lose eligibility by completing the Request for Long Term Disability 24 month Direct Pay Coverage (SI 13898-643146 at www.standard.com/mybenefits/california.

Mail or Fax completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Fax (971) 321-6744

For more information view the Coverage Continuation on the Standard Insurance website.

What if I am no longer a State employee?

If you separate from State service you may be eligible to convert your LTD to an individual plan providing you have been enrolled in LTD for at least 12 months and are not disabled from performing the duties of your occupation at the time you separate. The conversion is subject to approval by Standard Insurance.

For more information, please contact Standard Insurance at (888) 641-7193.

You have 31 days from separation to apply for the LTD conversion. Please complete the Request for Long Term Disability Conversion Materials (SI 4781-643146).

Mail or Fax completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Fax (971) 321-6744

What if I am on a Leave of Absence (LOA)?

You have 31 days from the date you went out on a LOA to convert your LTD plan. You must have been enrolled in LTD for at least 12 months and not disabled from performing the duties of your occupation at the time you went out on a LOA. The conversion is subject to approval by Standard Insurance.

 For more information, please contact Standard Insurance at (888) 641-7193.

 To apply or receive LTD conversion materials, please complete the Request for Long Term Disability Conversion Material  (SI 4781-643146).

Mail or Fax completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Fax (971) 321-6744

Contact Information

Standard Insurance

900 SW 5th  Avenue

Portland,  OR  97204-9805

Direct Customer Service Line: 1-971-321-6448

Toll-Free Customer Service Line: 1-888-641-7193

Hours of Operation: Monday 5:00 a.m. to 5:00 p.m. Pacific Time

Website: www.standard.com/mybenefits/california

Enroll Now: www.standard.benselect.com/Enroll

For more information, contact CalHR Benefits

 Form

LTD Enrollment form

Request for Long Term Disability 24 Month Direct Pay Coverage (SI 13898-643146)

Request for Long Term disability Conversion Materials (SI 4781-643146)

  Updated: 3/4/2019
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