Life, AD&D and Disability

As a Washington employee, you automatically pay into disability insurance as part of your state taxes. These benefits are limited and will only cover a portion of your pay. To get further details, please visit Washington's Paid Leave website: paidleave.wa.gov.

By selecting short-term disability insurance, you may receive tax-free benefits to supplement the state disability benefits up to a maximum of 60% of your prior year W-2 income. If you receive more than 60% of your earnings from the state pay, though, you will not receive pay from short-term disability insurance since it cannot pay more than 60%. Additionally, short-term disability insurance will process for each individual disability event when you cannot work that you might have in a year. For example, if you have a disability event for a birth, and then have a disability event later for a car accident, there would be two short-term disability events that year.

Long-term disability benefits are paid at a rate of 60% of your prior year W-2 income, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you're no longer disabled.

As a California employee, you automatically pay into disability insurance as part of your state taxes, but these benefits are not unlimited and only cover a portion of your pay. You can claim these benefits directly through the  Employee Development Department.

By electing Short-Term Disability Insurance, California residents will receive an additional 20% of their pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability.

Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Standard's approval.

If you work outside of California and Washington, chances are your state doesn’t provide any type of disability insurance. By electing voluntary Short-Term Disability Insurance, you will receive up to 60% of your pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability.

Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Standard's approval.