Disability coverage helps replace a portion of your income if you become disabled due to a covered illness, pregnancy or injury. Coverage is provided through The Standard Insurance Company. Please refer to the plan documents available below, which govern the plans. You are expected to be familiar with the terms, conditions and limitations of each plan you select. If you have questions, please contact your department's human resources office.

Enrollment in Short-term Disability (STD) is automatic, requires no action by you and is not part of Enrollment. It is provided by the State of Colorado at no cost to you, and pays up to 60% of your pre-disability income for up to 150 days following the required 30-day waiting period.

Long-term Disability (LTD) can be purchased by employees on an after-tax basis. Premiums are determined by salary, age and PERA vesting status. After a six-month waiting period, benefits are payable up to 60% of your pre-disability earnings until age 65 (later in some cases) if you continue to meet plan requirements.

LTD enrollment is NOT guaranteed. After enrolling in the online enrollment system, you MUST complete your Evidence of Insurability (EOI) form. Without EOI, no application can be approved. The EOI form must be submitted to Standard no later than 31 days after your Enrollment period. Otherwise, you will need to wait until the next Open Enrollment period to apply. The EOI form is available through the link below.
If you have at least five years of PERA covered employment, you may be eligible for PERA disability benefits. LTD Premiums for PERA-vested members are lower than for non-vested members. Please refer to the chart comparing PERA and State disability benefits. For information about PERA benefits, please call PERA directly at 1-800-759-7372.

If you have questions about your benefit options, enrollment, eligibility or claims, please contact your agency's Benefits/Payroll/HR Administrator. You can find your administrator by clicking on the link below; then click "Bookmarks" and then click on your agency. Questions about claims or your specific coverage should be addressed to your insurance carrier.

For more information about Benefits contact the DPA Benefits Unit.

Email comments to:  DPA Benefits

Tools
Short-Term Disability (STD) Plan Details & Exclusions - Certificate of Coverage
Long-Term Disability (LTD) Plan Details & Exclusions  - Certificate of Coverage
Comparison Chart  (State Disability and PERA Disability Benefits)

Medical History Statement for LTD  - from Standard Insurance
PERA's Long Term Disability
Why Long Term Disability?
Standard Insurance Company (Carrier)

Related Links
Insurance Premiums  

Who is my human resources contact?
Insurance Companies' Phone Numbers
What do "Pre-tax" and "After tax" mean?
Instructions for Online Enrollment
Enroll for Benefits
HealthLine
Glossary of Insurance Terms
Forms
Salary Reduction Plan