Long-Term Disability (LTD) Insurance
for Faculty & Staff

Basic LTD Insurance

The State of Washington provides a basic Long-Term Disability (LTD) insurance policy to eligible employees at no cost (WWU pays the premium). After 90 days of total disability due to illness or injury, or after the period of accumulated sick leave is used (whichever period is longer), the Standard Insurance Company will pay 60% of the first $400 of basic monthly earnings for an approved claim. The minimum amount payable is $50. The maximum amount payable is $240.


Optional LTD Insurance

Eligible employees may purchase optional coverage. When combined with the basic plan, the optional LTD offers a tax-free benefit of 60% of the first $10,000 per month of pre-disability earnings.

Optional Plan benefits include a retirement supplement feature, so the premium rate is based on both the waiting period you elect and the retirement plan in which you participate.

Click here to review a chart of some of the key features of our LTD contract.

Click here to calculate your optional LTD plan premium.

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LTD Definition of Disability

In the first 24 months: You are unable, as a result of sickness, injury, or complications of pregnancy, to perform with reasonable continuity, the material duties of your own occupation.

After 24 months: You are unable, as a result of sickness, injury, or complications of pregnancy, to perform, with reasonable continuity, the material duties of any gainful occupation for which you are reasonably equipped through education, training, or experience.

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Enrolling in Optional LTD and Filing A Claim

To Enroll in Optional LTD:

  • Review the Long Term Disability Enrollment Guide.
  • Use the LTD enrollment form.
  • Determine premiums and select a waiting period that meets your needs.
  • If necessary, complete the medical questionnaire on the form. Newly hired or newly insurance-eligible PEBB employees requesting optional coverage within the first 31 days of their eligibility may enroll with no evidence of insurability. You may also apply any time after your first 31 days, but evidence of insurability is required. If the insurance company requests a physical, it is at your expense.
  • Return the form to the Benefits Office.

Coverage will be effective either the first day of the following month, or after review and approval by the insurance company, if required.

To File a Claim:

  • Claims are filed by contacting the Benefits Office when it becomes apparent that you cannot return to work for an extended period of time, and prior to having exhausted all paid leave.
  • Classified and Professional Staff: Contact your supervisor and Human Resources regarding the use of paid leave or to request a leave of absence.
  • Faculty: Contact Human Resources regarding faculty sick leave policies and leaves of absence.
  • Contact the Workers' Compensation unit of Risk Management if the injury or illness is work related.

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Insurance During Leave

You may continue to receive WWU's contribution to your employee insurance if you are on an approved leave and:

  • You are in pay status for a minimum of eight hours per month (contact Human Resources regarding use of paid leave); or,
  • You are eligible for Family and Medical Leave Act (FMLA) coverage. If you are eligible for FMLA, WWU will continue its contribution to your insurance package for a period of time, even if you are not in pay status. Contact Human Resources for FMLA eligibility information.
  • You must pay the employee medical and life insurance premiums, if any.
  • If you are not eligible for continued WWU-paid coverage, and want to keep your insurance, review the information on self-pay to continue your benefits.

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Page Updated 06.18.2013