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Short-Term Disability

The Standard
Phone: 888-937-4783

 

Group Policy #: 170740

 

Short-Term Disability
Short-Term Disability (STD) Insurance administered by The Standard helps provide a continuing source of income in case of an unexpected accident or illness. The STD benefit provides 60% of your base weekly pay for up to 26 weeks. There is a 14-day waiting period for illness and a 7-day waiting period for injury before any benefits are paid. The waiting period is included as a part of the 26 weeks.

Eligibility/Benefits:
If you wish to elect STD coverage due to a qualifying life event or during open enrollment, you will be subject to an extended waiting period with The Standard. New hire employees can elect STD coverage without serving an extended waiting period with The Standard if elected within the first 31 days of employment.

Rates:
Rates are based on your age as of January 1st of the current tax year and your base pay. Premiums are subject to change as of the date your base pay changes. Use the calculator found on this webpage to approximate your weekly benefit and cost.

Filing a Claim/Receiving Benefits:
To file a claim online, go to www.standard.com and click on "File a Claim" to begin the claim process. Instructions will be provided through the entire claim submission process.

To file a paper claim, go to www.standard.com, click on "Find a Form" and select Short Term Disability Claim Packet (Outside NY). The form can be downloaded, completed and printed. Completed forms can be mailed or faxed to The Standard using the contact information at the top of the claim packet.

If your disability claim is approved by The Standard, your short-term disability benefits will begin as of the date of disability. You may use paid leave during the waiting period, and you may also use paid leave to supplement your disability pay up to 100% of your regular income. If you continue using any paid leave after the waiting period, be sure to notify The Standard of any other income you are receiving to avoid overpayment of you STD benefit. See the STD FAQs below for additional information.

You must follow all leave and leave of absence policies when requesting an absence that is covered by your short-term disability plan, and you must coordinate your leave request with your supervisor, department payroll, and The Standard. Failure to coordinate paid leave time with your department payroll and The Standard in advance of receiving short-term disability benefits may result in an overpayment from The Standard that you will be required to repay.

NOTE: Some departments will require you to exhaust all available leave before being placed on Leave without Pay status. For BCC departments, employees do not have to exhaust all leave balances before being placed on leave without pay. For employees not under the Board of County Commissioners, check with your department to make sure you understand the rules that apply to paid and unpaid leave before deciding whether this benefit is right for you.