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University Life and Disability Insurance Plans

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▼   Paid Group Term Life Insurance
Group term life insurance is provided at no cost to benefits-eligible employees through The Standard. The amount of life insurance is determined by the employee's base pay.
In addition your spouseSpouse is a person to whom you are legally married. Spouse does not include a person who is a full-time member of the armed forces of any country or a person from whom you are divorced or legally separated. and eligible dependents Eligible dependents are your unmarried dependent children from live birth to under age 26. Eligible Dependents include, your step-child; a foster child placed with you by a licensed agency; or your adopted child, including any child placed with you for adoption. If an unmarried child is age 26 or older and is incapable of self-sustaining employment because of an intellectual disability, developmental disability or physical handicap; and chiefly dependent on you for support; that child will continue to be a Dependent Child under the Policy for as long as these conditions exist. Exclusions: Dependent Child does not include, any person who is insured as an Employee; any person residing outside the United States or Canada, a dependent child who resides with you while you are on a temporary work assignment outside the United States; or is a full-time Student attending school outside of the United States. are provided with $5,000 of term life insurance at no cost to the employee.
 
▼   Paid Accidental Death & Dismemberment Insurance
The Accidental Death & Dismemberment (AD&D) policy is provided at no cost to benefits-eligible employees through The Standard in the amount equal to the Basic Term Life Insurance if death was caused by accident. AD&D also pays a benefit if a serious injury results in dismemberment.
▼   Additional Group Life Insurance
Additional term life insurance is available to the employee at group rates.  You choose the amount that best meets your needs and your budget based on your earnings.
 
Employees applying for additional coverage must be medically underwritten. To apply please visit our benefits enrollment portal Employee Navigator. Policy number 763314.
 
Additional coverage for spouse is available and is subject to underwriting. Additional children coverage does not require underwriting. Additional life insurance available for spouse is $25,000 for $8.32 per month. Additional life insurance available for dependent child(ren) is $10,000 per child for $3.00 per month.
 
Why do you need life Insurance? Voluntary Life Insurance
▼   Paid Long Term Disability Insurance (LTD)

LTD insurance is provided at no cost to benefits-eligible employees through The Standard. After a 90-day period of disability, 60% of the employee's base monthly salary will be paid for a permanent or temporary disability, up to a maximum benefit of $10,000 a month.

How to File a Claim?

To file a claim by telephone, contact The Standard's Claim In take Center at 855-201-3741.  To file a claim online, go to www.standard.com and scroll to the bottom of the page and click on "File a Claim or Request a Leave" to begin. Instructions will be provided through the entire claim submission process.

Note: If you submit your claim online, the claim submission system will indicate a requirement for a Disability Insurance Employer’s Statement to be received before a decision may be made on your claim. Although this is a requirement, you do not need to take this to your employer. Upon receipt of your Employee Statement, The Standard will reach out to your employer to obtain the information needed for your claim.

To file a paper claim, go to www.standard.com, and scroll to the bottom of the page and click on “Find a Form” and select Long Term Disability Claim Packet (All States Except NY). The form can be downloaded, completed and printed. Completed forms can be mailed or faxed to The Standard using the contact information at the top of the claim packet.

Why do you need Long-Term Disability? (LTD insurance is provided at no cost to benefits-eligible employees through The Standard)