ELIGIBILITY

All employees who have been actively performing the duties of their occupation on a regularly scheduled basis for a minimum of 20 hours per week on the date of their enrollment and their effective date of insurance are eligible for this coverage. Employees not actively at work on their effective date will become insured on the day they return to full-time, active duty. 

 

Application for Disability insurance must be done during Open Enrollment and cannot be done as the result of a family status change.

 

PREMIUMS - See "Rates". Please note that there is a 15% increase from 2018-2019 to 2019-2020 rates.

 

FEATURES OF THE PLAN

 

GUARANTEE ISSUE AMOUNT - Up to a $8,000 monthly benefit for all employees based on salary and position, subject to the pre-existing exclusion clause.

                                            

BENEFIT AMOUNT

You may purchase a monthly benefit in $100 increments, up to 66 2/3% of your regular monthly salary, to a maximum benefit of $8,000 

 

MAXIMUM BENEFIT DURATION 

The maximum benefit period depends upon the employee's age when disability begins and is as follows:

Age at Disability	Plan A – Sickness or Injury	Plan B – Sickness	Plan B - Injury
Under age 62	to age 65	5 years	to age 65
Age 62-68	1.25 to 3.5 years	1.25 to 3.5 years	1.25 to 3.5 years
Age 69 or older	1 year	1 year	1 year

 

ELIMINATION PERIOD

Available waiting periods are 14/14, 30/30, 60/60 and 90/90 days (accident/illness caused disability). If you select an elimination period of 30 days or less, benefits are payable on the first day of inpatient hospitalization (admitted to the hospital as an inpatient and charged room and board) -- the remainder of your elimination period will be waived. 

 

WAIVER OF PREMIUM - after disability benefits have been paid for 90 days, premium will be waived for the remainder of your disability.

 

SURVIVOR BENEFIT - if you have been disabled for at least 180 days and you subsequently die, Standard will pay your beneficiary a benefit equal to 3 times your last regular monthly disability benefit.

 

WORK INCENTIVE/PARTIAL DISABILITY - if you were disabled and return to work on a part-time basis, you may be eligible for a partial disability benefit.

 

POLICY PROVISIONS

 

PRE-EXISTING CONDITION LIMITATION

Defined as a mental or physical condition a. for which you have consulted a physician or other medical professional; received medical treatment, services or advice; undergone diagnostic procedures, including self-administered procedures; taken prescribed drugs or medications; b. which, as a result of any medical examination, was discovered or suspected.

 

DEFINITION OF DISABILITY

You are disabled if you are unable to perform with reasonable continuity the material duties of your own occupation or if you suffer a loss of at least 20% of your indexed pre-disability earnings when working in your own occupation.   

 

PREGNANCY 

Total disability caused by pregnancy or complications of pregnancy will be covered on the same basis as any other sickness. If you are pregnant prior to the effective date of new coverage (first time or increase), the pregnancy is considered to be “pre-existing” and is subject to the Pre-Existing Conditional Limitation.

 

BENEFIT INTEGRATION

Benefits will offset after twelve (12) months of disability from the following sources of income: Social Security Disability Benefits, State Teachers Retirement, State Disability Plans and Other Employer Sponsored Group Disability Plans, Automobile Liability Insurance Disability Benefits, Any Disability Benefits or Retirement Benefits Received from an Employer Sponsored Pension Plan. Benefits will never be reduced below 25% of your regular monthly disability benefit.

 

DRUG AND ALCOHOL

Total disability caused by alcoholism and/or drug addiction will be covered on the same basis as any other sickness.

 

RECURRENT DISABILITY

If you were disabled and receiving benefits and return to work for less than six months and have a reoccurrence of the same disability, that disability will be considered a continuation of the old one, and a new elimination period will not be required.

 

GENERAL EXCLUSIONS

Disabilities which occur as a result of intentionally self-inflicted injuries, war (declared or undeclared), insurrection, rebellion or participation in a riot; air travel except as a passenger; accidents occurring or sickness contracted while in the armed forces; committing or attempting to commit a felony or any type of assault or battery; commission of a crime for which you have been convicted under state or federal law; a disability for any period during which you are incarcerated, and a pre-existing condition in the first year. Disabilities which occur as a result of an on-the-job injury/illness (Workers’ Comp Claims) are also not covered.

 

THIS IS AN OUTLINE OF BENEFITS ONLY. IF THERE IS ANY CONFLICT BETWEEN THE TERMS OF THIS OUTLINE OF BENEFITS AND THE CONTRACT, THE TERMS OF THE CONTRACT WILL PREVAIL.