Supplemental Long Term Disability

Our Long-Term Disability (LTD) is managed by The Standard Insurance Company.

The SEBB Program's school employee benefits package includes basic LTD insurance at no cost to you if you are eligible for SEBB benefits. It provides a monthly benefit of $100-$400 in the event you need Long Term Disability.

The Supplemental LTD plan would offer monthly pay of 60% of your earnings.

You can sign up for Supplemental LTD at any time. Newly eligible employees less than 31 days will have automatic approval for their enrollment. All other eligible employees who apply will have to fill out the Long-Term Disability Enrollment and Change Form and return to the benefit administrator for processing in SEBB My Account. An Evidence of Insurability (EOI) form must then be submitted to The Standard Insurance Company.

Supplemental LTD will be a post-tax monthly payroll deduction that is paid to The Standard.

Your monthly supplemental LTD premium is based on your age and your insured earnings (your monthly gross pay before you became disabled). To calculate your premium, multiply your monthly base pay (up to $16,667 by the appropriate age-banded rate (your age on 1/1/2021) shown in the table below.

Age

Percent

< 30

.0014

30-34

.0019

35-39

.0029

40-44

.0041

45-49

.0056

50-54

.0077

55-59

.0093

60-64

.0096

65+

.0098


There are many rules regarding Supplemental LTD so please ensure you read through the information in the website link below.

https://www.hca.wa.gov/employee-retiree-benefits/school-employees/long-term-disability-insurance
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