{"id":1036,"date":"2018-04-18T22:22:40","date_gmt":"2018-04-18T22:22:40","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/region4esc\/?page_id=1036"},"modified":"2025-07-02T13:57:30","modified_gmt":"2025-07-02T13:57:30","slug":"disability","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/region4esc\/disability\/","title":{"rendered":"Disability"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4\">\n.flex_column.av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-k2p1gc-c0cc4bbe6276dc94ea97471e21b762c4 av_one_full  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-j7wabw-025a92bdd2fc30cd0fafd7de51b05417\">\n.avia-image-container.av-j7wabw-025a92bdd2fc30cd0fafd7de51b05417 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-j7wabw-025a92bdd2fc30cd0fafd7de51b05417 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-j7wabw-025a92bdd2fc30cd0fafd7de51b05417 av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-2034 avia-img-lazy-loading-not-2034 avia_image ' src=\"\/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-1030x139.png\" alt='' title='Disability'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-1030x139.png 1030w, \/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-300x41.png 300w, \/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-768x104.png 768w, \/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-1500x203.png 1500w, \/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-705x95.png 705w, \/wp-content\/uploads\/sites\/241\/2019\/05\/Disability-450x61.png 450w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-gzvmmk-6e507cafdbfddaf2918273e889f39055\">\n.flex_column.av-gzvmmk-6e507cafdbfddaf2918273e889f39055{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-gzvmmk-6e507cafdbfddaf2918273e889f39055 av_three_fifth  avia-builder-el-2  el_after_av_one_full  el_before_av_two_fifth  first flex_column_div av-zero-column-padding column-top-margin'     ><section  class='av_textblock_section av-1jo1v0-f0eda87413f4f34f0ff8a75d2448fe14'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>Why Disability Insurance?<\/h3>\n<p>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.<\/p>\n<p>You are able to choose the <strong><em>benefit amount<\/em><\/strong> which is the amount of your income to replace, and the<strong><em> waiting period <\/em><\/strong>that you begin receiving payments.<\/p>\n<p>How do you decide if you need disability insurance?<\/p>\n<p><strong>Consider these questions when making your decision:<\/strong><\/p>\n<ul>\n<li>How much employer leave do you have?<\/li>\n<li>Do you have savings?<\/li>\n<li>Do you have other income you can rely on, such as from your spouse or from child support?<\/li>\n<li>How close are you to retirement?<\/li>\n<li>Could you go on Social Security Disability or take a Disability Retirement?<\/li>\n<li>What are your other sources of income?<\/li>\n<\/ul>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8utn8s-880d94bb17ac72aeda1134b64080bb0e\">\n.flex_column.av-8utn8s-880d94bb17ac72aeda1134b64080bb0e{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-8utn8s-880d94bb17ac72aeda1134b64080bb0e av_two_fifth  avia-builder-el-4  el_after_av_three_fifth  el_before_av_hr  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-f209e35c0d6db02fcaf560eac284f7d2\">\n.iconbox.av-bx2hqw-f209e35c0d6db02fcaf560eac284f7d2 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-f209e35c0d6db02fcaf560eac284f7d2  avia-builder-el-5  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue854' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.metlife.com' title='The Standard' target=\"_blank\" rel=\"noopener noreferrer\">The Standard<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>(800) 368-2859<\/p>\n<p><a href=\"http:\/\/www.standard.com\">www.standard.com<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f\">\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#c42032;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f  avia-builder-el-6  el_after_av_icon_box  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f avia-iconlist-animate'>\n<li><div class='iconlist_icon av-6ymnm4-5f1affa632f178adc6175bb728cd29c7 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >DISABILITY PLAN INFORMATION<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/241\/2020\/02\/The-Standard-STD-Summary.pdf\" target=\"_blank\" rel=\"noopener\">STD Summary<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2020\/02\/The-Standard-LTD-Summary.pdf\" target=\"_blank\" rel=\"noopener\">LTD Summary<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2025\/07\/2025-STANDARD-STD-Claims-Instructions.pdf\" target=\"_blank\" rel=\"noopener\">Claim Packet Instructions &amp; Form<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2020\/02\/The-Standard-Long-Term-Disability-Claim-Packet.pdf\" target=\"_blank\" rel=\"noopener\">LTD Claim Packet<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2025\/06\/2025-STANDARD-STD-Disability-Claims-FAQ.pdf\" target=\"_blank\" rel=\"noopener\">STD Claim FAQ<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2025\/06\/2025-STANDARD-Maternity-FAQ.pdf\" target=\"_blank\" rel=\"noopener\">Maternity FAQ<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/241\/2025\/06\/2025-STANDARD-LTD-Disability-Claims-FAQ.pdf\" target=\"_blank\" rel=\"noopener\">LTD Claim FAQ<\/a><\/p>\n<p><strong><u>Completed Claims can be returned via Email, Fax or Mail to the following:<\/u><\/strong><\/p>\n<p><strong><u>Email<\/u><\/strong>: \u00a0<a href=\"mailto:STDForms@standard.com\">STDForms@standard.com<\/a> &#8211; \u00a0emailing STD claims via unsecured email, not password protected.<\/p>\n<p><a href=\"mailto:SecureSTDForms@standard.com\">SecureSTDForms@standard.com<\/a> &#8211; emailing Short Term Disability claims via secured email where a password is needed to open the email.<\/p>\n<p><strong><u>Fax:<\/u><\/strong> \u00a0\u00a0\u00a0\u00a0\u00a0 800-378-6053<\/p>\n<p><strong><u>Mail:<\/u><\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0Standard Insurance Company<\/p>\n<p>STD Claims Department<\/p>\n<p>PO Box 2800, Portland, OR 97208<\/p>\n<p><strong><u>SPECIALIZED SUPPORT<\/u><\/strong><\/p>\n<p>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.<\/p>\n<p>For claim questions and updates:<\/p>\n<ul>\n<li>Have employee sign up for claim text the alerts <a href=\"https:\/\/urldefense.com\/v3\/__https:\/www.standard.com\/individual\/get-text-alerts-your-claim-status__;!!A8fipfCF_kbM7aav!FdsNr39-ySwAOnuU5NJCJGBjVS4z_CDkrfWNj9ip5SeuCEa0vVdjf7BYRKxTWatnJd4XxdrxCG_mcT0-TAvArN6SoL8Vd8SWGg$\">here<\/a><\/li>\n<li>Answers to common disability claim questions can be found on our <a href=\"https:\/\/urldefense.com\/v3\/__https:\/www.standard.com\/individual\/file-claim\/frequently-asked-questions-about-filing-disability-claim__;!!A8fipfCF_kbM7aav!FdsNr39-ySwAOnuU5NJCJGBjVS4z_CDkrfWNj9ip5SeuCEa0vVdjf7BYRKxTWatnJd4XxdrxCG_mcT0-TAvArN6SoL9_sEmRbg$\">website<\/a><\/li>\n<li>Send a message to the claims team <a href=\"https:\/\/urldefense.com\/v3\/__https:\/www.standard.com\/individual\/send-message-std__;!!A8fipfCF_kbM7aav!FdsNr39-ySwAOnuU5NJCJGBjVS4z_CDkrfWNj9ip5SeuCEa0vVdjf7BYRKxTWatnJd4XxdrxCG_mcT0-TAvArN6SoL-wlr9inQ$\">here<\/a> or call them at 800.628.8600<\/li>\n<li>Two Way Texting is available: Attached above is a STD FAQ.\u00a0 Two way texting is available as well.\u00a0 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.<\/li>\n<\/ul>\n<p>There\u2019s no setup required\u2014Claimants 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.<\/p>\n<p><strong>Reach out to the claims team directly:<\/strong><\/p>\n<p><strong>STD &#8211; 1-800-368-2859<\/strong><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><div  class='hr av-dy8858-1a407cf3b10a1684b07933f6a1cb8231 hr-default  avia-builder-el-7  el_after_av_two_fifth  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5zj5i4-06b518e0d4651268eb860b1434e85618\">\n#top .av-special-heading.av-5zj5i4-06b518e0d4651268eb860b1434e85618{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5zj5i4-06b518e0d4651268eb860b1434e85618 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5zj5i4-06b518e0d4651268eb860b1434e85618 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5zj5i4-06b518e0d4651268eb860b1434e85618 av-special-heading-h3  avia-builder-el-8  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-bc3c592e1188f860b128b38db6384a2e avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/dhyh6j4x1f'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Disability Insurance Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/dhyh6j4x1f?dnt=1#?secret=vElsQZ5fxB\" data-secret=\"vElsQZ5fxB\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='hr av-dy8858-4-986ed2711a615b1c6ef75775b99b7f4e hr-default  avia-builder-el-10  el_after_av_video  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3zucjw-5ab9aff5fb1a419f5bfa4425fa4c8c59\">\n#top .av-special-heading.av-3zucjw-5ab9aff5fb1a419f5bfa4425fa4c8c59{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-3zucjw-5ab9aff5fb1a419f5bfa4425fa4c8c59 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-3zucjw-5ab9aff5fb1a419f5bfa4425fa4c8c59 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-3zucjw-5ab9aff5fb1a419f5bfa4425fa4c8c59 av-special-heading-h3  avia-builder-el-11  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >LONG TERM DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-3-b794e4ca2a2a2e70f6497e359cb968a8 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/b48amd149e'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Long-Term Disability Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/b48amd149e?dnt=1#?secret=8HUydfMeVU\" data-secret=\"8HUydfMeVU\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<div  class='hr av-dy8858-2-1a4fc642ae49741e14969e180f1565b3 hr-default  avia-builder-el-13  el_after_av_video  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2cvd30-e82b1672a368d3f0fafe0f21d552e881\">\n#top .av-special-heading.av-2cvd30-e82b1672a368d3f0fafe0f21d552e881{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2cvd30-e82b1672a368d3f0fafe0f21d552e881 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2cvd30-e82b1672a368d3f0fafe0f21d552e881 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2cvd30-e82b1672a368d3f0fafe0f21d552e881 av-special-heading-h3  avia-builder-el-14  el_after_av_hr  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >SHORT TERM DISABILITY INSURANCE VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-video av-jv8ozkwj-1-cb8003998a4fb81e67b894a356176c73 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  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class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1036","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":31,"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"predecessor-version":[{"id":3597,"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/pages\/1036\/revisions\/3597"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/region4esc\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}