Employees can choose the LTD plan option that works for their needs. For more information, visit the Standard Insurance website.

Website

www.standard.com/mybenefits/california

Premium increases are triggered by salary increases including, but not limited to, merit salary adjustments, range changes, general salary increases, etc. Additionally, on January 1, employees’ premiums will increase if they move from one age category to the next age category.

Premiums

Premiums are based on employees’ age and plan. 

How to calculate monthly premium:

Monthly base salary (x) age factor (+) 0.80 administrative fee = monthly premium

Plan Options

Option A = 65 Percent (075-111)

Option B = 55 Percent (075-119)

Example of Premium Level

In order to determine which plan option is best for employees, they should visit the Standard Insurance website and calculate their cost by using the LTD Premium Calculator.

Newly Hired or Newly Eligible

Newly hired or newly eligible employees have 60 days from date of hire/eligibility to enroll. After the 60-day timeframe, they must wait until open enrollment.

Example: An employee hired on January 1 must enroll no later than March 1.

Open Enrollment

The annual open enrollment period is held in the fall.

Newly Hired/Newly Eligible

The effective date of coverage will begin on the first day of the month, following the first premium deduction.

If the enrollment application is processed by the 10th day of the month, the insurance coverage will become effective on the first day of the next calendar month.

If the enrollment application is processed after the 10th day of the calendar month, the insurance coverage will become effective on the first day of the second calendar month following the date the employee applied.

Example:

Hired January 1 (60-day eligibility period ends March 1)
Enrolled online January 1
Effective February 1
Premiums will be taken from the January pay warrant

Hired January 1 (60-day eligibility period ends March 1)
Enrolled January 11
Effective March 1
Premiums will be taken from the February pay warrant

Hired January 1 (60-day eligibility period ends March 1)
Enrolled March 2
Employee missed enrollment opportunity and must wait until Open Enrollment to enroll

Open Enrollment

Enrollment will be effective January 1.

Note: Employees should review their pay warrant to make sure the premium has been deducted. If the premium has not been deducted, employees should contact their departmental personnel office.

Active Eligible

Employees are encouraged to enroll online.

Military Department – Active Military State Employees Only

Due to their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), Active Military personnel are not eligible to enroll online and must enroll using the enrollment form.

Direct Pay Departments – California Exposition & State Fair, California Fairs Services Authority, and the Legislative Analyst’s Office

Employees of the California Exposition & State Fair, California Fairs Services Authority, and the Legislative Analyst’s Office are not eligible to enroll online and must enroll using the enrollment form.

Employees can obtain the enrollment form from their departmental personnel office. Employees must return the completed enrollment form to their departmental personnel office.

Active Employees and Active Military State Employees

Employees may cancel their plan anytime.

Direct Pay Departments – California Exposition & State Fair and California Fairs Services Authority

Employees must complete the enrollment form and check the cancel box. Employees must work with their department personnel office for more information.

Retirement

LTD coverage will be automatically canceled the month the employee retires. Employees must work with their department personnel office should they wish to cancel sooner.

Employees who are enrolled into the LTD Plan can file a claim if they have an injury or illness that will prevent them from working six months or longer.

Note: The employee does not need to wait six months to file a claim. The employee should file as soon as they know they will be out, to prevent a delay in benefits. The employee should work with their departmental personnel office to start the process of filing a claim.

LTD Waiting Period

There is a six-month waiting period. Premiums must be paid during the waiting period or until the claim has been approved.

Group Accident Insurance (Accident) – New Effective January 2025

If the employee is enrolled into the LTD Plan, then the employee will automatically be enrolled in the Accident insurance at no additional cost.

Accident insurance includes more then 70 benefits for covered injuries and treatments. For more information, visit the Standard Insurance website.

Group Critical Illness – New Effective January 2025

If the employee is enrolled into the LTD Plan, then the employee will automatically be enrolled in the Critical Illness insurance at no additional cost.

Coverage Amount

Employee: $10,000

Child(ren): $5,000

For more information on the Group Critical Illness Plan features, visit the Standard Insurance website.

Note: Employees may continue their coverage past age 64. However, employees cannot apply for new coverage past age 64.

For information about the plan, how to enroll, issues, cancel or file a claim employees should contact their departmental personnel office.

CalHR

Email: LTD@CalHR.ca.gov

Fax: (855) 238-3276

Standard Insurance

National Accounts Service SOC Team

Standard Insurance Company

900 SW 5th Avenue

Portland, OR 97204-9805

Email: socltdforms@standard.com

Claims Mailing Address

Employee Benefits Department
Standard Insurance Company
PO Box 2800
Portland, OR 97208

Phone

Direct Customer Service Line: (971) 321-8150 for ALL information

Toll-Free Customer Service Line: (888) 641-7193 only for LTD

Toll-Free Customer Service Line: (800) 634-1743 only for Group Accident and Critical Illness

Hours of Operation: Monday 5:00 a.m. to 5:00 p.m. Pacific Time

Website

www.standard.com/mybenefits/california

• LTD Claim Packet
• Health Maintenance Claim Form
• Accident Beneficiary Designation/Change form (only for Group Accident Insurance)
• CalHR Open Enrollment Resources
• CalHR Open Enrollment Virtual Library
• Group LTD Insurance Certificate
• Group Accident Insurance – Coming Soon
• Group Critical Illness Insurance – Coming Soon
• Group LTD Benefits Guide
• Group Accident Coverage Highlights
• Group Critical Illness Coverage Highlights
• Health Maintenance Screening Benefit

• Currently enrolled
  • Employees can cancel coverage at any time.
• Increase or decrease coverage
  • Coverage can only be changed during open enrollment.

• No.

Note: To file a claim, medical information will be required.

Eligibility is based on the Collective Bargaining Identifier (CBID) of the employee. Employees  can contact their departmental personnel office or check the CalHR pay scales to verify their CBID.

No. The Long-Term Care (LTC) Program offered through CalPERS provides coverage for employees who need extended care due to a chronic disease, age, or serious accident. For information about the CalPERS LTC Program, please visit their website.

If they cease to be eligible due to a CBID change, they can continue coverage for up to 24 months by making payments directly to Standard Insurance.

Employees must request this continuance in writing within 60 days of the date they lose eligibility by completing the Request for Long Term Disability 24 month Direct Pay Coverage (SI 13898-643146) at standard.com/mybenefits/california.

Mail or Email completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Email: socltdforms@standard.com

For more information, view the Coverage Continuation on Standard Insurance website.

If an employee separates from state service, they may be eligible to convert their plan to an individual plan providing they  have been enrolled for at least 12 months and are not disabled from performing the duties of their  occupation at the time of separation. The conversion is subject to approval by Standard Insurance.

For more information, contact Standard Insurance at (888) 641-7193.

Employees have 31 days from separation to apply for the conversion. Employees must complete the Request for Group LTD Conversion Material  (SI 4781-643146).

Mail or Fax completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Fax (971) 321-6744

Employees have 31 days from the date they went out on a LOA to convert their plan. They must have been enrolled for at least 12 months and not be disabled from performing the duties of their  occupation at the time their LOA began. The conversion is subject to approval by Standard Insurance.

For more information, contact the Standard Insurance at (888) 641-7193.

To apply or receive ​conversion materials, employees must complete the Request for Group LTD Conversion Material  (SI 4781-643146).

Mail or Email completed form to Standard Insurance at:

National Accounts Services SOC Team

Standard Insurance Company

900 SW 5th Ave

Portland, OR  97204-9805

Email: socltdforms@standard.com