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Long Term Disability (LTD) is an insurance plan that pays a monthly benefit to you if you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, helping you with financial costs in a time of need. The Standard provides the LTD insurance coverage for the State of Montana. 

LTD is available to active employees who are enrolled in the Medical Plan. Retirees, Legislators, and COBRA participants are not eligible to participate. New hires may enroll within 31 days of date of hire without EOI. Enrollment at any other time requires EOI.   

Evidence of Insurability (EOI): Also known as “evidence of good health” is the process by which The Standard determines if a person is healthy enough to be considered eligible for the amount of insurance coverage they are requesting.

2019 Long Term Disability Rate

$9.90 per employee per month regardless of age or income level.

Payment will be taken from your pay AFTER TAX in order to maximize the benefit should you ever need it. By paying LTD premiums after tax, benefit can be paid out tax free.

Benefit Amount

The monthly LTD benefit is 60% of your insured pre-disability earnings—the amount you were earning before you became disabled—reduced by deductible income.

Benefit Duration

If you become disabled and your claim for LTD benefits is approved, LTD benefits are payable after you have been continuously disabled for 180 days and remain continuously disabled. LTD benefits are not payable during this benefit waiting period. 

Claiming Benefits

To file a claim by telephone, contact The Standard's Claim Intake Service Center at (800) 378-2395.

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. 

Note: If you submit your claim online, the claim submission system will indicate a requirement for a Disability Insurance Employer's Statement to be received before a decision may be made on your claim. Although this is a requirement, you do not need to take this to your employer. Upon receipt of your Employee Statement, The Standard will reach out to your employer to obtain the necessary information needed for your claim. 

To file a paper claim click HERE to download, complete and print a Long Term Disability claim packet.  

Click HERE for Frequently Asked Questions about filing a Long Term Disability claim.

For more information, visit The Standard’s website at www.standard.com.