Disability Insurance – The Standard

Plan 1- Short-Term Disability

• Short-term disability replaces 60 percent of your eligible earnings, paid to you weekly after you have been out of work for at least 30 days. 
• To see full details, review STD Coverage Highlights.

Plan 2- Short-Term Disability Buy-Up

• Short-term disability replaces 60 percent of your eligible earnings, paid to you weekly after you have been out of work for at least 14 days. 
• Uses less PTO before the disability benefit starts paying you since this plan pays you once you have been out of work for 14 days versus 30 days.  
• Higher premium than plan 1.  Click on the Contribution Summary to compare premiums between the two plans.  
• To see full details, review STD Coverage Highlights..  

Late Enrollment Penalty

• If you don’t apply for short-term disability coverage within 31 days of becoming eligible, your benefit waiting period for physical disease, pregnancy or mental disorder will be 60 days if you become disabled during the first 12 months after your coverage takes effect. However, if you’re enrolled in the 14-day plan and move to the 30-day plan or are enrolled in the 30-day plan and move to the 14-day plan, your benefit waiting period for physical disease, pregnancy or mental disorder will be 30 days if you become disabled during the first 12 months after your coverage takes effect.

• Long-term disability replaces 60 percent of your eligible earnings, paid to you monthly after you have been out of work for at least 150 days.
• Payments may continue until you are no longer considered disabled, or until Social Security normal retirement age or later depending on your age on the date of disability.
• If your long-term disability insurance ends because you leave Carilion or change to part-time or flex status, you may be eligible to continue your coverage by converting it to an individual policy. Some limits may apply to the amount you can continue through conversion. Contact The Standard at 888-288-1389 for more information about converting your long-term disability coverage.
• To see full details, review LTD Coverage Highlights. 

1. Contact your manager if you need to take a leave of absence.

2. Contact The Standard to begin the claim process. You may contact The Standard by phone at 888-288-1389 or go to www.standard.com to file a claim online.

   • You will be asked to provide information such as your name and Social Security number, the last day you were at work, information about your condition/reason for disability and the contact information for your physician.
   • The Standard will make up to three attempts to contact your physician to obtain the information necessary to process your claim. We encourage you to contact your doctor and request their assistance in responding to the request on your behalf.
   • Once The Standard has all of the necessary information to process your claim, it takes about a week to process the information and make a claim decision. You will be notified of the decision or if additional details are needed. 

If you have a Qualifying Medical Condition (terminally ill as a result of an illness or physical condition which is reasonably expected to result in death within 12 months) while you are insured under the Group Policy, you may have the right to receive during your lifetime a portion of your Insurance as an Accelerated Benefit.  For questions and more information about this benefit, contact the HR Service Center.

• The Standard:  888-288-1389

• Short-Term Disability Plan (PDF)
• Long-Term Disability Plan (PDF)
• 2024 Contribution Summary (PDF)
• 2023 Contribution Summary (PDF)