Disability Plans

Short-Term Disability (STD) Insurance

  • Coverage provided by The Standard Insurance Company.
  • Provided by the State at no cost to employees.  Enrollment is automatic and requires no action.
  • STD insurance pays up to 60% of pre-disability income for up to 150 days following  required 30-day waiting period.

 

Optional Long-Term Disability (LTD) Insurance

  • Coverage provided by The Standard Insurance Company.
  • Employees can choose long-term disability (LTD) insurance, but pay the entire premium. 
  • Premiums are determined by salary, age and PERA vesting status, and are deducted from pay post-tax. 
  • Long-Term Disability Premiums FY 2013-14 - based on age, salary and PERA-vesting status.  This is the same as 2012-13 plan year.
  • LTD enrollment is NOT guaranteed. Employees MUST complete Evidence of Insurability (EOI). The EOI is completed as part of the online enrollment process. 
  • Employees with at least five years of PERA covered employment may be eligible for PERA disability benefits. LTD Premiums for PERA-vested members are lower than for non-vested members.For information about PERA benefits, please call PERA directly at 1-800-759-7372.
  • After a six-month waiting period, LTD benefits are payable up to 60% of pre-disability earnings until age 65 (later in some cases) if person continues to meet plan requirements


Tools
Short-Term Disability (STD) Certificate of Coverage - Details/Exclusions
Long-Term Disability (LTD) Certificate of Coverage - Details/Exclusions
Comparison Chart  - State Disability and PERA Disability Benefits
PERA's Long Term Disability
Why Long Term Disability? 
Standard Insurance Company
 


More Benefits Information
HealthLine   - The Employee Benefits Newsletter 
Insurance Premiums 
Enroll/Change Your Benefits - link to State's online Benefits Administration System (BAS)
Your department's HR/Benefits personnel 
Instructions for Online Enrollment  
What do "Pre-tax" and "After tax" mean?  
Glossary of Insurance Terms  
Forms 
Salary Reduction Plan 
 

For more information about Benefits contact the  DPA Benefits Unit  .

 

Email comments to: state_benefits@state.co.us