Replacement for a majority of your salary. LTD supplements other income protection plans (PERS Disability Retirement, Social Security, etc.) to guarantee a monthly income of either up to 55% or 65% of your salary, depending on your selected plan, and a maximum of $6,000 per month.

A guaranteed minimum. The plan provides a monthly payment of no less than 10% of your maximum LTD benefit, or $100.00 per month whichever is greater - paid in addition to any other income.

Extra money for your children's education. While receiving LTD benefits, you'll receive $100 per month up to 48 months in educational expenses for each of your children attending an accredited post-secondary school on a full-time basis through age 22.

No offset for certain income. Your monthly LTD benefit will not be reduced because of income from personal disability insurance or mortgage disability coverage.

Payments for partial disability. If you are still able to perform your regular job for another employer but earn less than 80% of your former salary, you are eligible for LTD benefits.

Additional child care expenses. For the first 24 months of LTD benefit payments, you'll receive up to $250 in child care expenses per child per month during rehabilitation up to a total of $500.

Rehabilitation Plan. Unless the employee has a disability preventing him/her from participation, the plan prepares employees to return to work, when approved by The Standard and may pay for return to work expenses they incur, such as job search, training and education expenses.

A survivor benefit if you die while receiving LTD benefits. Three times your monthly LTD benefit will be paid to an eligible survivor should you die while receiving benefits.

Tax Savings. Your income benefits from the LTD Plan are tax-free.

Guaranteed Stable Premiums. Your monthly premium is based on your current salary and age and could change when you move to a new age category. This audit is conducted by the State Controller's office every January, and may increase your monthly LTD premium.