Long-Term Disability Insurance helps protect you from loss of income if an illness or injury prevents you from working for six months or more.
Open Enrollment for Long Term Disability (LTD) Insurance Plan will be held annually April 1 – April 30, 2016. During open enrollment eligible employees can enroll into the Plan and current participants can change Plan options. If you’re already in the Plan you do not need to re-enroll, as coverage continues automatically. Participants may cancel their membership at any time. Eligible employees who are excluded in a permanent position, that’s at least half-time may apply. The monthly premiums are deducted from your paycheck.
Complete sections A, B, and C of the LTD
Enrollment Authorization Form and return it to your department's Personnel Office for processing. Protecting your income is the key to maintaining your standard of living. Can you afford to be without it?
During open enrollment, or within 60 days of becoming newly eligible (e.g., moving into an excluded classification). You do not have to submit medical evidence of insurability during the open enrollment period.
The State of California Long-Term Disability Plan (LTD), offered through
Standard Insurance Company, provides:
Tax Savings: Your income benefits from the LTD Plan are tax-free.
You can use the age factor chart and formula shown below to calculate the amount of your monthly premium.
LTD Monthly Premium = Monthly base salary X factor for employee' age from chart below + $0.80 Administrative fee.
As an excluded State employee, you have the advantage of reduced group rates.
Long Term Disability (LTD) is an employee-paid benefit program designed to provide income replacement in the event you become disabled due to an illness or injury and cannot perform the duties of your normal job, or maybe any job, for a long period of time (6 months or longer).
Long Term Disability is income protection insurance for excluded employees who cannot work due to a serious injury or illness. The Long-Term Care (LTC) Program, offered by CalPERS, provides coverage for employees who need extended care due to a chronic disease, frailty of old age, or serious accident. It covers help with activities of daily living such as bathing, eating and dressing. For information about the CalPERS LTC Program, please visit their website at
The LTD program is part of the benefits package provided to the State's excluded employees (i.e. employees designated managerial, supervisory, confidential and excluded/exempt). All active excluded employees appointed permanent, half time or greater, with one of the following designations are eligible to participate in the program:
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. Permanent Intermittent employees are not eligible.
No. However, rank and file employees should contact their unions to determine if there are any union-sponsored disability benefits available to them.
If you are a newly eligible excluded employee, you have 60 days to enroll, once your appointment is keyed by your personnel office into the State Controller's Office system or You can enroll during the open enrollment period that is conducted annually in April.
Enrollment forms and plan information are available through your department’s personnel office or here:
State of California Long Term Disability Form
Once you have completed Sections A, B, and C, submit the enrollment form to
department's personnel office for further processing.
No. Your deduction will automatically continue unless you cancel coverage.
Your premium will increase over time. When you move from one age category to the next higher age category (i.e. from 39 to 40, or from 49 to 50) or when you receive a change in salary, your premium will change. An annual premium update occurs on January 1 of each year to implement any premium changes warranted.
The LTD program offers a monthly benefit of either 55% of the first $18,182 or 65% of the first $15,385 of the employee's pre-disability earnings (monthly base salary), reduced by other deductible income benefits. These percentages are based on the plan option you select.
No, the plan only covers the enrolled employee.
You should file a claim if you are disabled and you will not be able to work for a long period (6 months or longer). You should not wait until the 6-month elimination period has passed before initiating an LTD claim as this will delay the payment of your LTD benefits or may prevent you from receiving LTD benefits.
Contact CalHR Benefits Division at (916) 324-0533.
All claimants must complete a 6-month elimination period (and continue paying monthly LTD premiums during this period) before becoming eligible to receive benefits.
The maximum benefit duration will be the greater of the duration shown below or the employee's Social Security Normal Retirement Age (SSNRA).*
*SSNRA means an employee's normal retirement age under the Federal Social Security Act, as amended.
Monthly benefits are limited in duration to 24 months in the employees lifetime if their disability is caused or contributed to by (or medical or surgical treatment of) mental disorders or other limited conditions, including but not limited to:
If the claimant is confined in a hospital or institution solely because of a mental disorder at the end of the 24 months, monthly benefits will continue until the confinement ends. In no event will benefits be paid beyond the maximum benefit duration shown above.
LTD is a non-taxable benefit because the monthly premium payments are from post-tax dollars.
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 Company. You must request this continuance in writing within 60 days of the date you lose eligibility to by completing the online Request for Long Term Disability 24 month Direct Pay Coverage card (SI 13898-643146) at
www.standard.com/mybenefits/california. The card should be returned to:
Standard Insurance Company
920 SW Sixth Avenue (PSB7C)
Portland, OR 97204
If you separate from State service or take a leave of absence you may convert your group LTD coverage to an individual disability plan providing you have been enrolled in the group plan for at least 12 months and you are not disabled from performing the duties of your occupation at the time you separate or take a leave. The request for the conversion application must be made in writing to Standard Insurance Company within 31 days of termination of the group insurance. The employee should complete the online Request for Group LTD Conversion Materials (SI 4781-643146) at
www.standard.com/mybenefits/california and return it to:
920 SW Sixth Avenue (PSB7C)
Upon return to active pay status after a leave of absence or separation, the LTD payroll deduction should start automatically. However, you should verify the deduction when you receive your first pay warrant, and if no deduction is noted contact your personnel office.
It is not necessary for you to carry your LTD coverage into retirement so your coverage ends.
You can cancel at any time by completing a new application form and checking the cancellation box. You may also contact the State Controller's Office in writing requesting cancellation of the premium deduction.