LTD is a voluntary insurance plan that is available to eligible excluded state employees only. This benefit replaces a portion of your income in the event you cannot work for six months or more due to a covered illness or injury. By protecting your income and helping you to meet your financial commitments in a time of need, this benefit can be key to maintaining your standard of living.
Eligibility
Active excluded employees who are appointed to a permanent position of half-time or more, with one of the following designations are eligible to enroll:
- 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 appointed to a limited-term position who otherwise meet the eligibility criteria may enroll only if they have a mandatory right of return to a position and status that also meet the criteria.
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.
Enrollment
You have 60 days from your effective date of eligibility to enroll. Once enrolled, a monthly premium deduction will automatically continue unless you cancel coverage.
The effective date of coverage will begin on the first day of the month, following the first premium deduction.
If the enrollment application is processed by the 10th day of the calendar month, the insurance coverage will become effective on the first day of the next calendar month.
If the enrollment application is processed after the 10th day of the calendar month, the insurance coverage 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 the January pay
Hired January 1 (60-day eligibility period ends March 1)
Enrolled Jan 11
Effective March 1
Premiums will be taken from the February pay
Hired January 1 (60-day eligibility period ends March 1)
Enrolled March 2
Employee missed enrollment opportunity and must wait until Open Enrollment to enroll
How to Enroll
If you are an eligible excluded employee, you can enroll online.
To enroll online, please visit the Standard Insurance website and select the Enroll Now tab.
To enroll by phone, please contact Standard Insurance at (971) 321-8150.
You may request an enrollment form by contacting Standard Insurance at (971) 321-8150 or by sending an email to socltdforms@standard.com.
Mail or email your completed enrollment form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR 97204-9805
Email: socltdforms@standard.com
Forms must be mailed or emailed to Standard Insurance by the close of the 60-day eligibility period.
Do not submit forms to the State Controller's Office.
Cal Expo and Fair Employees Only
You must enroll using the enrollment form. You may request an enrollment form by contacting Standard Insurance at (971) 321-8150 or by sending an email to
socltdforms@standard.com. You may also request an enrollment form by contacting CalHR at
ltd@calhr.ca.gov.
Complete the enrollment form and return it to your department's personnel office for processing.
Active Military State Employees
Due to the Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), you must enroll using the enrollment form. You may request an enrollment form by contacting Standard Insurance at (971) 321-8150 or by sending an email to
socltdforms@standard.com.
Email or mail your completed enrollment form to Standard Insurance at the address above.
Do not submit forms to the State Controller's Office.
Open Enrollment
Open Enrollment is traditionally held annually in the fall. During Open Enrollment eligible employees can enroll and current participants can change plan options.
If you are already enrolled you do not need to re-enroll, as coverage continues automatically.
Open Enrollment transactions will have a January 1, effective date with premiums processed in the December pay warrant.
Cancelation
You may cancel your plan at any time by logging onto
Enroll Now or by contacting Standard Insurance.
Cal Expo and Fair Employee
You must complete a new enrollment form, check the “cancel box" and return the form to your department's personnel office for processing. You may request an enrollment form by contacting Standard Insurance at (971) 321-8150 or by sending an email to
socltdforms@standard.com.
Complete the enrollment form and return it to your department's personnel office for processing.
Retirement
Your LTD benefits will cancel automatically the month you retire.
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 for 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 under 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 are 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 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 has been insured continuously for at least one year.
Benefit Coverage
LTD offers a monthly plan option of either 55 percent of the first $18,182 or 65 percent of the first $15,385 of the employee's monthly base salary, reduced by other deductible income benefits. These percentages are based on the plan option you select.
Premiums
Premiums are based on your age and plan option chosen.
How to calculate your monthly premium:
Monthly base salary (x) age factor (+) 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 (075-111)
Option A – 65 Percent
|
UNDER AGE 30 |
0.00026 |
|
30 – 39 | 0.00073 |
|
40 – 49 |
0.00173 |
|
50 – 59 |
0.00347 |
|
Over
60 | 0.00384 |
Option B - 55 Percent (075-119)
Option A – 65 Percent (075-119)
|
UNDER AGE 30 |
0.00012 |
|
30 – 39 |
0.00037 |
|
40 – 49 |
0.00087 |
|
50 – 59 |
0.00175 |
|
Over
60 | 0.00195 |
Example of Premium Level
How to determine which plan option is best for you.
Example of Premium Level
|
Monthly Salary $6,500.00 |
$22.56 |
$11.38 |
|
Plus $0.80 Admin Fee |
$0.80 |
$0.80 |
|
Total Monthly Premium |
$23.36 |
$12.18 |
How to File A 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 payment of benefits.
If you have filed a worker's compensation claim or are receiving payments, you may still be eligible to apply.
To start the process of filing a claim, you or your employer may contact Standard Insurance at (888) 641-7193.
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
Email:
socltdforms@standard.com
Waiting Period
LTD has a six-month waiting period.
Premiums must be paid during the waiting period or until your claim has been approved, before becoming eligible to receive benefits.
Contact Standard Insurance to make arrangements to pay your premiums during the waiting period.
More Information
For more information, please visit the
Standard Insurance website.
If you have any questions or need additional information, please contact your department's personnel office.
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.
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.
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
standard.com/mybenefits/california.
Mail or Email completed form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR 97204-9805
Email:
socltdforms@standard.com
For more information view the
Coverage Continuation on Standard Insurance website.
What happens if I am no longer a state employee?
If you separate from state service, you may be eligible to convert your plan to an individual plan providing you have been enrolled 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 the Standard Insurance at (888) 641-7193.
You have 31 days from separation to apply for the conversion, please complete the
Request for Group LTD 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
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 plan. You must have been enrolled for at least 12 months and not be 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 the Standard Insurance at (888) 641-7193.
To apply or receive conversion materials, please complete the
Request for Group LTD Conversion Material (SI 4781-643146).
Mail or Email completed form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR 97204-9805
Email:
socltdforms@standard.com
Contact Information
Standard Insurance
900 SW Fifth Avenue
Portland, OR 97204-9805
Direct Customer Service Line: (971) 321-6448
Toll-Free Customer Service Line: (888) 641-7193
Email:
socltdforms@standard.com
Hours of Operation: Monday 5:00 a.m. to 5:00 p.m. Pacific Time
Website:
standard.com/mybenefits/california
Enroll Now:
standard.benselect.com/Enroll
For more information, contact
LTD@calhr.ca.gov
Forms
Request for Long Term Disability 24 Month Direct Pay Coverage (SI 13898-643146)
Request for Long Term disability Conversion Materials (SI 4781-643146)
