Why Disability Insurance?

Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy? That is why you need disability coverage. It replaces a portion of income for the period of time you are unable to work due to those reasons.

You are able to choose the benefit amount which is the amount of your income to replace, and the waiting period that you begin receiving payments.

How do you decide if you need disability insurance?

Consider these questions when making your decision:

  • How much employer leave do you have?
  • Do you have savings?
  • Do you have other income you can rely on, such as from your spouse or from child support?
  • How close are you to retirement?
  • Could you go on Social Security Disability or take a Disability Retirement?
  • What are your other sources of income?

  • DISABILITY PLAN INFORMATION

    STD Summary

    LTD Summary

    Claim Packet Instructions & Form

    LTD Claim Packet

    STD Claim FAQ

    Maternity FAQ

    LTD Claim FAQ

    Completed Claims can be returned via Email, Fax or Mail to the following:

    Email:  STDForms@standard.com –  emailing STD claims via unsecured email, not password protected.

    SecureSTDForms@standard.com – emailing Short Term Disability claims via secured email where a password is needed to open the email.

    Fax:       800-378-6053

    Mail:     Standard Insurance Company

    STD Claims Department

    PO Box 2800, Portland, OR 97208

    SPECIALIZED SUPPORT

    Our Disability Claims team provides specialized support based on claim complexity. For example, claims with a clearly defined recovery period, such as pregnancy, are fast tracked for processing.

    For claim questions and updates:

    • Have employee sign up for claim text the alerts here
    • Answers to common disability claim questions can be found on our website
    • Send a message to the claims team here or call them at 800.628.8600
    • Two Way Texting is available: Attached above is a STD FAQ.  Two way texting is available as well.  Claimants will be able to text our existing 800-numbers to get answers to their questions and support throughout the claims process. This means that the same number your employees currently use to call us can now also be used for texting.

    There’s no setup required—Claimants can receive detailed answers to common questions directly from our live agents, who will be available to respond from 5 AM to 5 PM PST.

    Reach out to the claims team directly:

    STD – 1-800-368-2859

DISABILITY INSURANCE VIDEO

LONG TERM DISABILITY INSURANCE VIDEO

SHORT TERM DISABILITY INSURANCE VIDEO