Disability Insurance

Information for Open Enrollment
Optional Long-Term Disability Insurance Rates 

Short-Term Disability (STD) Insurance

  • Coverage provided by 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 the required benefit waiting period which is 30 days or until the end of all sick leave, whichever is longer.

Optional Long-Term Disability (LTD) Insurance 

  • Coverage provided by Standard Insurance Company.
  • Employees can choose long-term disability (LTD) insurance, but pay the entire premium. 
  • LTD premiums for FY 2014-15 are determined by salary, age and PERA Defined Benefit (DB) Retirement Plan vesting status, and are deducted from pay post-tax. 
  • LTD enrollment is NOT guaranteed. Employees MUST complete Evidence of Insurability (EOI). The EOI application is completed as part of the online enrollment process. 
  • Employees with at least five years of PERA Defined Benefit (DB) Retirement Plan covered employment may be eligible for PERA disability benefits. LTD premiums for PERA DB 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

Optional Long-Term Disability (LTD) Insurance Premiums 

FY 2014-15 

Optional Long-Term Disability (LTD) Premiums Rates
Rates are effective July 1, 2014 through June 30, 2015

Employee Resources 

Related Links 

Send an email to state_benefits@state.co.us to ask a benefits question anytime.