Long Term
Disability

You are eligible for coverage if you are an active employee who is (a) is appointed to permanent half-time or greater position, (b) citizen or resident of the United States or Canada, (c) is actively at work*, and (d) is one of the following:

1. An excluded employee in one of the classifications listed below:
   • Constitutional Officers (other than Legislative members) (E92)
   • Managerial (M, E50, E59, E79, E99)
   • Supervisory (S, E48, E58, E68, E78, E98)
   • Confidential (C, E97) Excluded/Exempt (E88, E89)
2. An employee whose position was redesigned as one of the classifications listed below, who was insured under the State of California’s Group Long Term disability insurance plan for Excluded employees immediately prior to the redesignation, and who has remained continuously insured under that plan:
   • E01 through E21
   • E67 or E77

You are not eligible for coverage if you are any of the following:

1. A seasonal employee
2. A full-time member of the armed forces of any country.
3. A leased employee or independent contractor
4. A temporary employee (other than an employee on a limited term appointment who has a mandatory right of return to a position and status under which the employee will meet the definition of a member)

*For purpose of the member definition, actively at work will include regularly scheduled days off, holidays, or vacation days, so long as the employee is capable of active work those days.

Active Eligible
Coverages for eligible excluded employees include year-round open enrollment. Employees may log into “ready enroll” at any time.

Military Department – Active Military State Employees Only
Due to their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), Active Military personnel are not eligible to enroll online and must enroll using the enrollment form.

Direct Pay Departments – California Exposition & State Fair, California Fairs Services Authority, and the Legislative Analyst’s Office
Employees of the California Exposition & State Fair, California Fairs Services Authority, and the Legislative Analyst’s Office are not eligible to enroll online and must enroll using the enrollment form.

Employees can obtain the enrollment form from their departmental personnel office. Employees must return the completed enrollment form to their departmental personnel office.

Benefit coverage information can be found on the Standard Insurance website.

Long Term Disability
Not available to Spouse or domestic partner or child(ren)

Accident Insurance
Spouse or Domestic partner can be added with an added cost.

Critical Insurance
Spouse or Domestic partner can be added with an added cost. And child(ren) under age 26 are automatically enrolled. 

Premium increases are triggered by salary increases including, but not limited to, merit salary adjustments, range changes, general salary increases, etc. Additionally, on January 1, employees’ premiums will increase if they move from one age category to the next age category.

Premiums
Premiums are based on employees’ age and plan. 

How to calculate monthly premium:
Monthly base salary (x) age factor (+) 0.80 administrative fee = monthly premium

Plan Options
Option A = 65 Percent (075-111)

Option B = 55 Percent (075-119)

Example of Premium Level

In order to determine which plan option is best for employees, they should visit the Standard Insurance website and calculate their cost by using the LTD Premium Calculator.

The effective date of coverage will begin on the first day of the month, following the first premium deduction.

If the enrollment application is processed by the 10th day of the month, the insurance coverage will become effective on the first day of the next calendar month.

If the enrollment application is processed after the 10th day of the calendar month, the insurance coverage will become effective on the first day of the second calendar month following the date the employee applied.

Examples:

• Hired January 1 (60-day eligibility period ends March 1)
  Enrolled online January 1
  Effective February 1
  Premiums will be taken from the January pay warrant
• Hired January 1 (60-day eligibility period ends March 1)
  Enrolled January 11
  Effective March 1
  Premiums will be taken from the February pay warrant
• Hired January 1 (60-day eligibility period ends March 1)
  Enrolled March 2
  Employee missed enrollment opportunity and must wait until Open Enrollment to enroll. 

Department personnel office is responsible to provide active eligible employees appropriate notifications when employees are: 

• Newly Hired or Newly Eligible  
• On a Leave of Absence (LOA) or return from LOA 
• Premium deductions are not being paid from employee’s pay warrant
• Employee loses coverage 
• Employee returning from Workman’s Compensation 

Active Employees and Active Military State Employees
Employees may cancel their plan anytime.

Direct Pay Departments – California Exposition & State Fair and California Fairs Services Authority
Employees must complete the enrollment form and check the cancel box. Employees must work with their department personnel office for more information.

Retirement
LTD coverage will be automatically canceled the month the employee retires. Employees must work with their department personnel office should they wish to cancel sooner.

Employees who are enrolled into the LTD Plan can file a claim if they have an injury or illness that will prevent them from working six months or longer.

Note: The employee does not need to wait six months to file a claim. The employee should file as soon as they know they will be out, to prevent a delay in benefits. The employee should work with their departmental personnel office to start the process of filing a claim.

LTD Waiting Period
There is a six-month waiting period. Premiums must be paid during the waiting period or until the claim has been approved.

Group Accident Insurance 
If the employee is enrolled into the LTD Plan, then the employee will automatically be enrolled in the Accident insurance at no additional cost.

Accident insurance includes more then 70 benefits for covered injuries and treatments. For more information, visit the Standard Insurance website.

Group Critical Illness Insurance
If the employee is enrolled into the LTD Plan, then the employee will automatically be enrolled in the Critical Illness insurance at no additional cost.

Coverage Amount
Employee: $10,000
Child(ren): $5,000

For more information on the Group Critical Illness Plan features, visit the Standard Insurance website.

Note: Employees may continue their coverage past age 64. However, employees cannot apply for new coverage past age 64.

For information about the plan, how to enroll, issues, cancel or file a claim employees should contact their departmental personnel office.

CalHR:
Email: LTD@CalHR.ca.gov
Fax: (855) 238-3276

Standard Insurance:
National Accounts Service SOC Team
Standard Insurance Company
900 SW 5th Avenue
Portland, OR 97204-9805

Email: socltdforms@standard.com

Claims Mailing Address:
Employee Benefits Department
Standard Insurance Company
PO Box 2800
Portland, OR 97208

Phone:
Direct Customer Service Line: (971) 321-8150 for ALL information

Toll-Free Customer Service Line: (888) 641-7193 only for LTD

Toll-Free Customer Service Line: (800) 634-1743 only for Group Accident and Critical Illness

Hours of Operation: Monday 5:00 a.m. to 5:00 p.m. Pacific Time

Website:
www.standard.com/mybenefits/california

• LTD Claim Packet
• Health Maintenance Claim Form
• Accident Beneficiary Designation/Change form (only for Group Accident Insurance)
• CalHR Open Enrollment Resources
• CalHR Open Enrollment Virtual Library
• Group LTD Insurance Certificate
• Group LTD Benefits Guide
• Group Accident Coverage Highlights  
• Group Accident Insurance Certificate
• Group Critical Illness Coverage Highlights
• Group Critical Illness Insurance Certificate
• Health Maintenance Screening Benefit

If employees are enrolled in the AI or CI plans, they can buy optional coverage for their spouse or domestic partner. This added cost is deducted from your paycheck. 

The CI plan also offers a benefit of the employees’ child(ren) being automatically covered at 50%

Effective January 1, 2026, eligible employees can enroll or make changes to their coverage option at any time.

The departmental personnel offices are responsible for providing program information and required notifications when employees are: 

• Newly Hired or Newly Eligible  
• Going out on a LOA or returning from a LOA 
• Premium deductions are not being paid from employee’s pay warrant 
• Employee loses coverage 
• Employee returns from Workman’s Compensation 

No, they do not. However, to file a claim, medical information will be required.

This plan is available only to Excluded Employees, which generally include Constitutional Officers and Managerial, Supervisory, and Confidential employees who are excluded from union representation. If you are unsure whether you meet these eligibility criteria, please provide your full name (as listed with the State Controller’s Office), position number, date of hire, and Social Security number for verification.

Represented (rank-and-file) employees are not eligible to enroll; however, they may contact their union for information about union-sponsored disability benefits.

No. The Long-Term Care (LTC) Program offered through CalPERS provides coverage for employees who need extended care due to a chronic disease, age, or serious accident. For information about the CalPERS LTC Program, please visit their website.

Long Term Disability
If they cease to be eligible due to a CBID change, they can continue coverage for up to 24 months by making payments directly to Standard Insurance.

Employees must request this continuance in writing within 60 days of the date they lose eligibility by completing the Request for Long Term Disability 24 month Direct Pay Coverage (SI 13898-643146) at standard.com/mybenefits/california.

Mail or Email completed form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR  97204-9805

Email: socltdforms@standard.com

For more information, view the Coverage Continuation on Standard Insurance website.

Group Accident and Critical Illness Insurance
Employees can continue their AI/CI coverage when moving into an R&F position. To continue coverage, employees must contact The Standard Insurance within 30 days of the move. If they do not contact The Standard within 30 days, they will lose eligibility to continue coverage.
Please note: This will not be payroll deducted. Employees will make payments directly to The Standard Insurance.

If an employee separates from state service, they may be eligible to convert their plan to an individual plan providing they  have been enrolled for at least 12 months and are not disabled from performing the duties of their  occupation at the time of separation. The conversion is subject to approval by Standard Insurance.

For more information, contact Standard Insurance at (888) 641-7193.

Employees have 31 days from separation to apply for the conversion. Employees must complete the Request for Group LTD Conversion Material (SI 4781-643146).

Mail or Fax completed form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR  97204-9805

Fax (971) 321-6744

Employees have 31 days from the date they went out on a LOA to convert their plan. They must have been enrolled for at least 12 months and not be disabled from performing the duties of their  occupation at the time their LOA began. The conversion is subject to approval by Standard Insurance.

For more information, contact the Standard Insurance at (888) 641-7193.

To apply or receive ​conversion materials, employees must complete the Request for Group LTD Conversion Material  (SI 4781-643146).

Mail or Email completed form to Standard Insurance at:
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Ave
Portland, OR  97204-9805

Email: socltdforms@standard.com