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Long Term Disability

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2017 Long Term Disability Rate
$9.90 per member per month regardless of age or income level.  
Long Term Disability payments will be taken from your pay AFTER TAX in order to maximize the benefit should you ever need it. When money is put into LTD after tax, the benefit is paid out tax free.

Benefit Amount
The LTD benefit amount is determined by multiplying your pre-disability earnings by 60%. This amount is then reduced by other income you receive or are eligible to receive while LTD benefits are payable. This other income is referred to as deductible income.

Benefit Duration
If you become disabled, and your claim for LTD benefits is approved by the benefit plan, LTD benefits become payable after you have been continuously disabled for 180 days and remain continuously disabled.
LTD benefits are not payable during this benefit waiting period.
If you become disabled before age 65, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 60 or older, the benefit duration is determined by your age when disability begins as indicated in the table below.

Benefit Duration
Age when Disability Begins Maximum Benefit Period
60 through 64 5 years
65 through 68 To age 70
69 and above 1 year

Eligibility
Employees are eligible for LTD.

Enrolling
New employees can enroll in voluntary LTD by completing the State Employees’ Life Insurance Enrollment/Change Form within 31 days of hire.
Employees can also enroll during Annual Change by selecting LTD using the online benefits enrollment tool. Evidence of insurability will have to be completed.
Return all enrollment forms to HCBD, PO Box 200130, Helena MT 59620-0130.

Advantages of Long-Term Disability Coverage

  • LTD covers your inability to work in your own occupation for the first 24 months you are disabled (once you meet the benefit waiting period).  Many other policies require you to be totally disabled from all occupations.
  • If you are disabled from all occupations after 24 months (once you meet the benefit waiting period), benefits may continue until you are Social Security Normal Retirement Age.
  • LTD provides benefits for covered illnesses or injuries that may occur 24 hours a day, both on and off the job.
  • If the group policy terminates, LTD benefits will continue as long as you are eligible to receive them.

Claiming Benefits
Contact Health Care and Benefits Division (HCBD) at (800) 287-8266, (406) 444-7462. or TTY (406) 444-1421, or benefitsquestions@mt.gov to request a claim packet. The claim packet contains instructions for claiming your long-term disability benefits.

The Standard Insurance Company (800) 843-7979
www.standard.com

The Standard Insurance Company provides our Long Term Disability (LTD) benefit .