Disability plan
Do I need evidence of insurability (EOI) to enroll in the disability plan?

Yes. For all late applications (applying 31 days after becoming eligible), request for coverage increases and reinstatements are subject to medical underwriting (EOI) approval.

Are there pre-existing conditions exclusions?

New or increased coverage is subject to a 12/12 pre-existing condition exclusion for the first 12 months after your effective date of coverage. This means that if you have a condition that was treated or medically advised in the 12 months before disability coverage began, you are not covered for that condition for the first 12 months of coverage.

How do I file a claim?

To file a disability claim, contact Standard Insurance Company at 800-628-8600.

How do I check the status of my claim?

You can monitor the status of your claim by contacting Standard Insurance Company at 800-628-8600.

When do I begin to receive payments?

You begin to receive payments when Standard Insurance approves your claim, providing the elimination period has been met and you’re disabled.

How much is my benefit?

Standard Insurance uses the following process to figure your payment:

  1. Multiply your monthly earnings by the benefit percentage elected.
  2. Compare the answer from step 1 with the maximum monthly benefit ($8,000). The lesser of these two amounts is your gross disability payment.
  3. Subtract any deductible sources of income from your gross disability payment. The resulting amount is your monthly disability payment.
How often do payments come?

You receive a payment monthly for any period for which Standard Insurance is liable.

When do payments stop?

You stop receiving payments on the earliest of the following:

  • During the first 24 months of payment when you’re able to work in your own occupation (see definition below) on a part-time basis but do not
  • After 24 months of payment when you’re able to work in any occupation (see definition below) on a part-time basis but do not
  • After 12 months of payment if you reside outside the U.S. or Canada for six months or more during any 12 consecutive months of benefits
  • The end of the maximum period of payment
  • The date you’re no longer disabled under the terms of the plan (unless you’re eligible to receive benefits under Standard’s Rehabilitation and Return to Work assistance program)
  • The date your disability earnings exceed the amount allowable under the plan
  • In the event of your death
  • The date you fail to submit proof of continuing disability
What does "regular occupation" mean in relation to disability?

You’re considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder, you’re unable to perform the material duties of your regular occupation and suffer an earnings loss of at least 20% of your indexed pre-disability earnings when working in your regular occupation. You’re not considered disabled during this period because of a loss of license or something similar that restricts your right to perform your occupation.

What does “gainful occupation” mean in relation to disability?

You’re considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder, you’re unable to perform the duties of any gainful occupation for which you’re reasonably fitted because of education, training or experience. Gainful occupation means an occupation that is or can be expected to provide you with an income at least equal to your gross disability payment within 12 months of your return to work.

What disabilities are not covered under my plan?

Your plan doesn’t cover any disabilities caused by, contributed to by, or resulting from your:

  • intentionally self-inflicted injuries
  • active participation in a riot
  • loss of a professional license, occupational license or certification
  • attempt to commit or commission of a crime
  • commission of a crime for which you’ve been convicted
  • pre-existing condition
  • disability due to war, declared or undeclared, or any act of war

Standard Insurance does not pay a benefit for any period of disability during which you’re incarcerated.

 

Important: The information provided on this page is not the official Standard Insurance policy. In the case of discrepancies, the policy governs.

For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-284-AISD (2473)