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Group Long Term Disability (LTD) - Excluded State Employees Only

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901. General Information

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 current LTD vendor.

 

Authority

Government Code Section 19849.11

Open Enrollment is September 21 through October 16, 2020.

 

902. 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

 

903. Notification

Open Enrollment

Department personnel offices are notified of the Open Enrollment period through the HR Announcement and through the Open Enrollment Toolkit.

The department personnel office is responsible for notifying 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

For Open Enrollment, Standard Insurance will mail out notices to employees who are not currently enrolled about the opportunity to enroll in LTD. 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

For Open Enrollment, Standard Insurance will mail out notices to notify employees who are currently enrolled about the opportunity to make changes to their current coverage.

Newly Hired or Newly Eligible

Department personnel offices are responsible for notifying newly hired and newly eligible employees of the opportunity to enroll in LTD within the first 60 days of eligibility. 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. 

904. How to Enroll

Employees are encouraged to enroll online. Should the department personnel office receive an enrollment form, the personnel specialist should direct the employee to the “How to Enroll" section on the CalHR Group Long Term Disability Insurance webpage for information on how to enroll online at Standard Insurance and return the form back to the employee. 

Please see below for exceptions.

Military Department - Military Active State Employees Only

Due to their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), Active Military personnel are not eligible to enroll online and must enroll using an enrollment form.

The employee 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.

The employee can email or mail the completed form to Standard Insurance at the address listed in section 914 “Contact Information".

 

Direct Pay Departments - California Exposition & State Fairs and California Fairs Services Authority

Employees of the California Exposition & State Fairs and California Fairs Services Authority are not eligible to enroll online and must 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.

Employees must return the enrollment form to their department personnel 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 the applicable remark below in the remarks section of the form:

  • Newly Hired  = Hire Date (MM/DD/YY)
  • Newly Eligible = Effective Date (MM/DD/YY)
  • Open Enrollment = Effective Date (MM/DD/YY)

The personnel specialist shall email the form to socltdforms@standard.com, provide a copy to their accounting office and retain a copy in the employee's official personnel file.

Do not send forms to the State Controller's Office (SCO).

 

905. Enrollment Opportunities

Open Enrollment

LTD Open Enrollment is held annually during the fall.  

The 2020 Open Enrollment will take place September 21 through October 16, 2020.

Newly Hired or Newly Eligible Employees

Newly hired or newly eligible employees have 60 days from the date of eligibility to enroll in LTD. If the employee missed the 60 day eligibility period, they may enroll during the next Open Enrollment period. Eligible employees may enroll online at Standard Insurance.

Newly Hired is defined as:

  • New appointment to state service into an eligible classification.

Newly Eligible is defined as:

  • New appointment to an eligible classification.
  • Change in CBID from represented to non-represented (as defined in the eligibility criteria).
  • Change from an ineligible time base to a half-time or greater time base in an eligible classification.

For information on how to enroll refer to section 904, “How to Enroll."

Do not send forms to SCO for processing.

 

906. Premium Computations

Premiums are calculated based on the employee's monthly base salary, age, and the plan option they select. 

How to calculate the employee's monthly LTD premium:

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

 

907. Plan Options

Employees have two plan options based on their monthly base salary to choose from:

  • Plan Option A - 65 percent of the first $15,385
  • Plan Option B - 55 percent of the first $18,182

Example

Employee age 50 with monthly salary of $25,833

 
Plan Options
Employees have two plan options based on their monthly base salary to choose from: Plan Option A 55 percent of the first $18,182 Plan Option B 65 percent of the first $15,385 Example Employee, age 50, makes $25,833.33 per month
Employee Age 50 Option A – 65 Percent Option B - 55 Percent
Monthly Salary to Claim$15,385$18,182
*Age Factor 0.003470.00175
Plus $0.80 Admin Fee$0.80$0.80
Total Monthly Premium$51.19$32.62
​​​

908. Plan Options and Rates – Through December 31, 2019

Option A – 65 Percent (075-111)
 
 
 
Plan Options and Rates – Through December 31, 2019 Option A – 65 Percent (075-111)
AGE
Plan Option A

Rate - 65 Percent

(075-111)

Plan Option B

Rate - 55 Percent 

(075-119)               

UNDER AGE 300.000260.00012​                 
30 – 390.00073​0.00037    
40 – 490.001730.00087​
50 – 59 0.00347 0.00175
Over  60 0.003840.00195​
 

909. Effective Date

Effective Date for Open Enrollment

Open Enrollment coverage will be effective January 1.

Effective Date for Newly Hired or Newly Eligible Employees

Enroll Online

  • If the enrollment form is processed by the 10th day of the calendar month, coverage will be effective on the first day of the next calendar month.
  • If the enrollment form is processed after the 10th day of the calendar month, coverage will be effective on the first day of the second calendar month.

Enrollment Forms Emailed or Mailed to Standard Insurance

The enrollment form must be received by Standard Insurance 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 60 day eligibility period will be returned to the employee and the employee will be advised to enroll during the next Open Enrollment period.

Example

Hired January 1 (60 day eligibility period ends March 1)

Enrolled online January 1

Effective February 1

Premiums will be deducted from the January pay warrant

Hired January 1 (60 day eligibility period ends March 1)

Enrolled January 11

Effective March 1

Premiums will be deducted from the February pay warrant

Hired January 1 (60 day eligibility period ends March 1)

Enrolled March 2

Missed enrollment opportunity, must wait until Open Enrollment.

 

910. Premium Update

Age Category Increase

The employee's premium will increase on January 1 if their current age places them in a higher age category.

Example:

If the employee turned 50 in February, employee premium will increase the following January 1.

See Section 908 Plan Options and Rates for age categories.

Salary Increase

The employee's premium will increase whenever the employee has a salary increase. (e.g. merit salary adjustment or range change.)

 

911. Cancelation

 Employees can cancel coverage anytime by logging into Enroll Now or by contacting Standard Insurance.

Cancelation and Retirement for Employees of the California Exposition & State Fairs and California Fairs Services Authority

The employee must complete a new Enrollment Authorization form, check the “cancel box," and return the form to their department personnel office.

Personnel offices are responsible for completing Section C of the form. Include “cancelation" in the remarks section of the form.

The personnel office must email the form to socltdforms@standard.com, provide a copy to their accounting office, and retain a copy in the employee's official personnel file.

Do not send forms to the State Controller's Office.

 

912. Filing a claim for Disability

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 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 workers' compensation to start the process of filing a claim.

Standard Insurance will send the following documents to the employee:

  • Cover letter with instructions on how to initiate the LTD claim process.
  • State of California Long Term Disability Benefits Employee's Statement (SI13379-643146-EE).
  • A postage-paid return envelope.

Standard Insurance will send the following documents to the employer:

  • Cover letter with instructions on how to complete the LTD claim and requested documents.
  • State of California Long Term Disability Employer's Statement (SI13379-643146-ER).
  • A postage-paid return envelope.

Within five days of receiving the claim request, the department personnel office must complete the Employer's Statement, and provide a copy of the duty statement and three months of pay history prior to disability, up to the last day worked.

Mail completed forms to Standard Insurance at:

Standard Insurance Company

Attn: Employee Benefits Department

PO Box 2800

Portland, OR 97208-2800

Waiting Period

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.

Claim Approved

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.

 

913. Loss of Coverage

The personnel specialist should contact CalHR when an employee separates, transfers to a rank and file position, retires, is 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.

Retirement

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 rank and file represented classification, the employee may continue LTD coverage for 24 months through direct payments. The employee should contact Standard Insurance within 60 days of the date of loss of eligibility 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 Takes a Leave of Absence

If an employee separates from state service or takes a leave of absence, they may convert their LTD coverage to an individual disability plan provided they have been enrolled in LTD 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 of absence. The employee should contact Standard Insurance within 31 days of separation or at 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.

 

914. Contact Information

CalHR
Email: LTD@CalHR.ca.gov
Fax: (855) 238-3276

Standard Insurance
900 SW 5th Avenue
Portland, OR 97204-9805
Email: socltdforms@standard.com
Direct Customer Service Line: (971) 321-6448
Toll-Free Customer Service Line: (888) 641-7193
Hours of Operation: Monday 5:00 a.m. to 5:00 p.m. Pacific Time

 

915. Website Information

 

916. Forms

Excluded employees are encouraged to enroll online (exception: Active military and employees of California Exposition & State Fairs and California Fairs Services Authority should refer to section 904 “How to Enroll)."

  Updated: 10/5/2020
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