Disability Insurance

The Standard
Group # 758845 (STD) 
Group # 165009 (LTD)
Phone: 800-368-2859 (STD)
Phone: 800-368-1135 (LTD)
Website: www.standard.com

If you become sick or injured and cannot work, disability insurance helps to protect your income while you recover. All employees are automatically enrolled in both Short and Long Term Disability which is paid for in full by Sana through The Standard.

Short Term Disability (STD)

The STD plan is designed to provide you with income if you are unable to work due to injury, illness or other eligible events, including maternity leave. After 7 days of disability, you will be eligible to receive a weekly benefit based on a percentage of your weekly salary.

Weekly benefits may replace up to 60% of your salary to a maximum benefit of $5,000 per week for up to 12 weeks.

If you live in a state that has state-provided disability benefits, your STD benefits with The Standard will automatically be reduced by any amount of state benefits for which you are entitled. This will occur whether you apply for state benefits or not, so please be aware that you will need to file for state benefits separately.

Long Term Disability (LTD)

LTD provides income replacement if you are unable to work for a period longer than 90 days due to injury or illness. This is an extremely important benefit, in that it will provide disability income to your Social Security Normal Retirement Age in the case of a total permanent disability.

LTD benefits can replace up to 60% of your salary to a maximum benefit of $15,000 per month.