Yes. For all late applications (applying 31 days after becoming eligible), request for coverage increases and reinstatements are subject to medical underwriting (EOI) approval.
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.
To file a disability claim, contact Standard Insurance Company at 800-628-8600.
You can monitor the status of your claim by contacting Standard Insurance Company at 800-628-8600.
You begin to receive payments when Standard Insurance approves your claim, providing the elimination period has been met and you’re disabled.
Standard Insurance uses the following process to figure your payment:
You receive a payment monthly for any period for which Standard Insurance is liable.
You stop receiving payments on the earliest of the following:
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.
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.
Your plan doesn’t cover any disabilities caused by, contributed to by, or resulting from your:
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.
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Call us at 866-284-AISD (2473)