Optional Long-Term Disability Insurance

Summary Information Only

This webpage presents summary information only. Any error or omission here is unintentional and will be resolved in favor of plan documents or applicable federal or state law or rule.

• Plan Summaries and Handbooks page
  
• Calculate Coverage
  

Eligibility & Effective Dates

Only permanent PEBB-eligible employees may enroll in this benefit. Seasonal and intermittent employees aren't eligible to enroll.

• Enroll during Open Enrollment, your coverage becomes effective January 1, of the new plan year.
• Enroll outside of Open Enrollment, your coverage becomes effective the first of the following month.

Description of Benefits

The benefit covers a percentage of your monthly insured earnings. You determine the percentage when you choose from the four options. For long-term disability, the insured earnings amount is based on your monthly earnings in effect on your last full day of work. When your insured earnings increase (for example, with a pay increase), your premium rate increases. Insured earnings do not include overtime pay, bonuses, or dollars received when you opt out of medical coverage.

• The maximum of insured earnings for long-term disability insurance is limited to $12,000 a year.
• The maximum monthly benefit (before reduction of **deductible income) is $7,200 if you choose *option 1 or 2,
  
• or $8,000 if you choose *option 3 or 4.
• The minimum is $50.
• The maximum weekly benefit is $1,662 before reduction of **deductible income.
  

*Options are below, in the Premium Rate chart.

**Deductible income means other income you are eligible to receive because of your disability. This includes:

• A portion of your earnings from work while disabled
• Sick leave or other salary continuation, including donated leave (but not vacation or personal business leave)
• A portion of the benefits you are eligible to receive under any other group disability program.
• This includes state disability income benefits from the Public Employees Retirement System
• Workers’ compensation benefits
• Social Security benefits payable to you and your dependents
• For members employed by the Oregon University System, benefits you are eligible to receive under any employer-sponsored individual disability policy arranged for individuals in a common group.

Tax Treatment

For this long-term disability insurance program, payroll deducts the monthly premium after taxes. However, any long-term disability dollars you receive through this benefit are not taxed.

Additional Benefits

This plan offers additional benefits to help you return to work after you become disabled. Review the online plan certificate for information on these features.

Pre-existing Condition Period

The Standard requires preexisting condition review if you file a long-term disability claim within 12 months of becoming insured. The Standard will look at the 90-day period prior to your insurance effective date. They will review your claim to find out if you were seen or treated for a condition that caused or added to your disability. If you were, your claim will be denied.

• The Standard will not review for a preexisting condition once you have been insured for 12 months.

Duration of Benefit

Your maximum benefit period is determined by your age when disability begins, as follows: