Long term disability plan options include the Basic Long Term Disability (BLTD) Plan and Supplemental Long Term Disability (SLTD) Plan which are administered by Standard Insurance Company (The Standard). For both plans, a pre-existing condition limitation applies.
While the information below provides an overview of benefit coverage, more comprehensive information, including cost, can be found in the Insurance Benefits Summary [pdf].
Basic Long Term Disability Plan
If you enroll in either of the State Health Plans, you will automatically be enrolled in the BLTD plan at no cost to you. This plan pays up to 62.5% of the employee's monthly base salary (up to a maximum of $800 per month) following 90-day waiting period, less any deductible income received or income the employee is eligible to receive from other sources. Benefits are not paid for an injury or sickness caused by a pre-existing condition until you have been insured for at least 12 months or treatment free for 12 months immediately preceding the date of disability, whichever occurs sooner.
Supplemental Long Term Disability Plan
This optional disability plan is intended to provide additional income protection (beyond the maximum provided by the BLTD plan) for those who are automatically enrolled under the BLTD plan. For those not enrolled under the BLTD plan, this option may also be elected to supplement income.
After a 90- or 180-day waiting period, the benefit pays up to 65% of the member's monthly salary to a maximum of $8,000 per month, less any disability benefits received from the basic disability plan and other sources; not to be less than $100 per month. Benefits are not paid for an injury or sickness caused by a pre-existing condition until you have been insured for at least 12 months or treatment free for 12 months immediately preceding the date of disability, whichever occurs sooner.
If you do not enroll in SLTD within 31 days of eligibility, you may apply anytime throughout the year, but you must provide medical evidence of good health and be approved to become insured.