The Group Long Term Disability (LTD) Insurance Program was implemented in 1988 for active excluded employees. This benefit is intended to provide income protection in the event an employee becomes disabled due to an illness or injury and is unable to work for six months or longer.
The employee's premium is based on age, plan option, and an .80 cent administrative fee.
The Standard Insurance is the vendor for the Group Long Term Disability Insurance for Excluded Employees.
Open Enrollment is September 9 through October 4, 2019
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
Newly Hired or Newly Eligible
It is the Department's responsibility to notify newly eligible employees of the availability of the program. The notice must specify the 60 day enrollment eligibility period and how to enroll into LTD. A copy of the notice should be kept in the employee's personnel file to verify the employee has been informed of the LTD benefit and enrollment period.
Personnel offices are notified of the open enrollment period though the
The Department is responsible to notify active eligible employees of the open enrollment period. An eligible employee who is out on a leave of absence and returns after the open enrollment period has ended may be eligible to enroll. The Personnel Specialist must contact
CalHR, to enroll the employee.
Open Enrollment Notification from Standard Insurance for Eligible Employees
Eligible employee NOT currently enrolled in LTD
Standard Insurance will mail out notices on behalf of CalHR to notice employees who are not enrolled in LTD of the upcoming open enrollment. A second notification will be mailed to provide more information on how to enroll, and a final reminder postcard will be mailed to remind employees that the open enrollment period will be ending.
Employees currently enrolled in LTD
Standard Insurance will mail out notices during open enrollment on behalf of CalHR to notify employees who are currently enrolled and who may wish to make changes.
Employees are encouraged to enroll online. Should the Human Resources office receive an enrollment form, the personnel specialist should direct the employee to the CalHR State Employee website
Group Long Term Disability section “How to Enroll" online at
Standard Insurance and return the form back to the employee.
Military Department - Military Active State Employees Only
Employees who are active are not eligible to enroll online, due to the Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS).
The employee must enroll using the Enrollment Authorization Form. The employee can email or mail the completed form to Standard Insurance.
Cal Expo and Cal Fairs Department
Employees are not eligible to enroll online.
Employee must enroll using the
Enrollment Authorization From and return the form to their HR office.
Personnel offices are responsible for verifying that the employee is eligible to enroll in LTD and has accurately completed Section A, B, and C of the form.
The Personnel Specialist must verify the employee's monthly base salary and calculations are accurate, and complete section D.
Include in the remarks section:
The Personnel Specialist shall email the form to
firstname.lastname@example.org. Provide a copy to your accounting office and retain a copy in the employee's official personnel file.
Do not send forms to the State Controller's Office (SCO).
Newly Hired or Newly Eligible
Employees are eligible to enroll online at
The employee has 60 days from the date they become a new hire or a newly eligible employee. If the employee missed the 60 day eligibility period, they may apply only during a designated open enrollment period.
New Hire is defined as:
Newly Eligible is defined as:
Effective September 2019 Open Enrollment will NO longer take place April 1 through April 30. Open Enrollment will take place in the fall during the same time frame as Health, Dental, and Vision open enrollment.
Open Enrollment will take place September 9 through October 4, 2019.
Refer to section 904, “How to Enroll", for information on how to enroll.
Do Not send forms to SCO for processing.
Premiums are based on the employees age, monthly base salary, and the plan option they chose.
How to calculate the employees monthly LTD premium:
Monthly base salary (x) age (+) 0.80 administrative fee = monthly premium
Employees have two plan options based on their monthly base salary to choose from:
Employee, age 50, makes $25,833.33 per month
*example based on January 1 effective date
Option A - 65 Percent (075-111)
Option B – 55 Percent (075-119)
Effective Date for Newly Eligible or New Hire
Forms Mailed to Standard Insurance
The enrollment form must be received by Standard by the end of the 60 day eligibility period. The effective date will be determined based on when the LTD form is received and the employee is enrolled by the Standard Insurance Account Representative.
Forms received after the end of the eligibility period, will be returned to the employee and the employee will be advised to enroll during the open enrollment period.
Hired January 1 (60 day eligibility period ends March 1)
Enrolled online Jan 1
Effective February 1
Premiums will be deducted from the January pay warrant
Enrolled Jan 11
Effective March 1
Premiums will be deducted from the February pay warrant
Enrolled March 2
Missed enrollment opportunity, must wait till open enrollment.
Effective Date for Open Enrollment
Enroll Online September 9 through October 4, 2019.
Coverage will be effective January 1.
Forms Mailed to Standard Insurance
Standard must receive enrollment form by close of business on October 4, 2019.
Coverage effective January 1.
Forms received after October 4 will be returned to the employee due to late enrollment.
On January 1, the employee's premiums will increase if they move from one age category to the next age category.
Premiums will increase if the employee has a salary increase. (e.g. Merit Salary Adjustment; GEN; or Range Change.)
Employees can cancel coverage anytime by logging onto
Enroll Now or by contacting Standard Insurance.
Cancelation and Retirement for Cal Expo and Cal Fairs Departments
The employee must complete a new Enrollment Authorization form, check the “cancel box", and return the form back to their Human Resources office.
Personnel Specialist will email a cancelation form to email@example.com. Provide a copy to your accounting office and retain a copy in the employee's official personnel file.
Personnel offices are responsible for completing Section C of the form.
Do not send forms to the State Controller's Office (SCO)
Definition of Disability
Due to a physical disease, injury, pregnancy, or mental disorder, the employee requires the regular care and attendance of a doctor and:
How To File A Claim
If employee is enrolled in LTD and will be out due to illness or injury for six months or longer, the Personnel Specialist should contact The Standard Insurance at (888) 641-7193, to start the employer process.
The Personnel Specialist should advise the employee to contact Standard Insurance as soon as the employee is out on a Disability or on a Worker's Compensation, to start the process of filling a claim.
Standard will send the following documents to the employee:
Standard will send the following documents to the employer:
The personnel office must complete the Employer's Statement, and provide a copy of the duty statement and document three months of pay prior to disability up to last day worked within five days of receiving the claim request.
Mail Completed form to Standard Insurance at:
Standard Insurance Company
Attn: Employee Benefits Department
PO Box 2800
Portland, OR 97208-2800
LTD has a six month waiting period.
Premiums must be paid during the waiting period or until the claim has been approved, if premiums are not paid during the waiting period, the employee can lose the benefit.
Therefore, it is very important that the personnel specialist notifies the employee to contact Standard Insurance when the employee goes out on a leave of absence or workers' compensation.
Once the claim has been approved, benefit payments will be sent directly to the employee and the LTD premiums will be waived while the employee is receiving benefit payments.
If premiums were paid during the benefit approval period, Standard Insurance will send a refund directly to the employee.
Tax-Free Benefit Payment
Monthly LTD benefits received are non-taxable.
Return to Work
If the Employee wishes to reinstate the voluntary automatic payroll deduction and continue coverage, and the employee is still eligible to re-enroll in LTD, the employee must contact Standard Insurance at (888) 641-7193, within ten days of returning to work to re-enroll.
The Personnel Specialist should contact CalHR when an employee separates, transfers to a rank and file position, retires, separated due to an adverse action, or at any time the employee may be off pay status and not receive a pay warrant.
In addition to contacting CalHR, the Personnel Specialist should tell the employee to contact Standard Insurance, should they wish to continue coverage since the automatic premium deductions will cease if the employee does not receive a pay warrant.
The LTD will cancel automatically the month the employee retires. The employee can cancel any time prior to retirement by contacting Standard Insurance.
There is no conversion privilege when employees retire.
Employee Transfers to a Rank and File Status
If an employee transfers to a represented position, the employee may continue LTD coverage for 24 month on direct pay. The employee should contact Standard Insurance within 60 days of the date of loss of coverage to arrange for direct payment of the premiums
The employee can visit the Standard Insurance website and complete the Request for Long Term Disability 24 Month Direct Pay Coverage and return the form to the address listed, or the employee may contact Standard Insurance to request the form.
Employee Separates from State Service or Leave of Absence
If an employees separates from State service or takes a leave of absence, they may convert their group LTD coverage to an individual disability plan providing they have been enrolled in the group plan for at least 12 months and they are not disabled from performing the duties of their occupation at the time they separate or take a leave. The employee should contact Standard Insurance within 31 days of separation or the beginning of the leave of absence.
The employee can visit the Standard Insurance website, complete the Request for Long Term Disability Conversion Materials, and return the form to the address listed, or the employee may contact Standard Insurance.
Upon a return from a separation or a leave of absence, if the employee is still eligible and premiums were made while on a leave, the employee must contact Standard Insurance within five days if they wish to continue coverage with an automatic payroll deduction.
Fax: (855) 238-3276
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
Standard Insurance Enroll Now (Online Enrollment):
CalHR Human Resources Manual:
Section 1413 Group Long Term Disability Insurance
CalHR State Employee:
Group Long Term Disability Insurance (LTD)-Excluded Employees Only