Disability Insurance

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 .