Long Term Disability

Employer Paid Long Term Disability Insurance

CSU provides Long Term Disability (LTD) insurance at no cost to you if you are an eligible employee (see page 9). LTD insurance is designed to pay a monthly benefit to you in the event you cannot work for an extended period of time because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need. Employees who are not eligible for CSU paid LTD can enroll in a Voluntary plan which has different benefit waiting periods. (See below)

If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 180 day benefit waiting period. No benefits are payable during the benefit waiting period. For answers to commonly asked questions, exclusions, limitations and reductions, please review the Long Term Disability Insurance Brochure and Certificate.

Some features of your LTD coverage include:

• Return to Work Incentive/Child Care Expense Benefit
• Reasonable Accommodation Expense Benefit
• Survivors Benefit
• Right to Convert

If you have additional questions about Long Term Disability, please contact The Standard at 800-378-5745 or CSUBenefits@standard.com

Employee Paid Voluntary Long Term Disability Insurance

If you are not covered by a CSU paid LTD plan, you may be eligible to purchase Voluntary Long Term Disability (LTD) insurance. LTD insurance is designed to pay a monthly benefit to you in the event you cannot work for an extended period of time because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.

Individual plans have two payment options, payment after 30 days of disability or payment after 90 days of disability. For more information and answers to commonly asked questions please review the Voluntary LTD Insurance Brochure

Employees may enroll in a Voluntary Long Term Disability plan at anytime, however, if an employee enrolls within 60 days of hire no medical certification is required.

For Information, to Enroll or Make Changes

Please note: Once enrolled, your expected LTD monthly pay-out will not increase as your salary increases. If you wish to increase your disability payments you can apply online for an increase. Our voluntary LTD group# is 648379-A.

Contact Vendor
The Standard
800-378-5745
CSUBenefits@standard.com