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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.
Active excluded employees appointed permanent, half-time or greater, with one of the following designations are eligible to enroll in 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.
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
The department personnel office is responsible for notifying active eligible employees of the LTD Program. An eligible employee who is out on a leave of absence and returns may be eligible to enroll within 60 days.
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.
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.
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
firstname.lastname@example.org. You may also request an enrollment form by contacting CalHR at
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
email@example.com. You may also request an enrollment form by contacting CalHR at
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:
The personnel specialist shall email the form to
firstname.lastname@example.org, 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).
LTD Open Enrollment will be held in the fall.
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, which will be conducted in the fall. Eligible employees may enroll online at Standard Insurance.
Newly Hired is defined as:
Newly Eligible is defined as:
For information on how to enroll refer to section 904, “How to Enroll."
Do not send forms to SCO for processing.
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
Employees have two plan options based on their monthly base salary to choose from:
Employee age 50 with monthly salary of $25,833
Rate - 65 Percent
Rate - 55 Percent
Open Enrollment coverage will be effective January 1.
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.
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
Enrolled January 11
Effective March 1
Premiums will be deducted from the February pay warrant
Enrolled March 2
Missed enrollment opportunity, must wait until Open Enrollment.
The employee's premium will increase on January 1 if their current age places them in a higher age category.
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.
The employee's premium will increase whenever the employee has a salary increase. (e.g. merit salary adjustment or range change.)
Employees can cancel coverage anytime by logging into
Enroll Now or by contacting Standard Insurance.
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
email@example.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.
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:
Standard Insurance will send the following documents to the employer:
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
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.
Monthly LTD benefits received are non-taxable.
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, 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.
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.
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.
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.
LTD@CalHR.ca.govFax: (855) 238-3276
Standard Insurance 900 SW 5th Avenue Portland, OR 97204-9805 Email:
firstname.lastname@example.orgDirect 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
CalHR Human Resources Manual:
Section 1413 Group Long Term Disability Insurance
CalHR State Employee webpage:
Group Long Term Disability Insurance (LTD)-Excluded Employees Only
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)."
Request for Long Term Disability 24 Month Direct Pay Coverage (SI 13898-643146)
Request for Long Term Disability Conversion Materials (SI 4781-643146)