Integrated Service Center

Employee-Paid LTD

Last updated Wednesday, May 11, 2022

Per Washington State Health Care Authority (HCA) policy, as of January 1, 2022, all benefits-eligible UW employees are automatically enrolled in Employee-Paid Long-Term Disability (LTD) insurance (previously called “Optional LTD”).

FAQs

LTD premium amounts are based on an employee’s salary and retirement plan.

Visit the Employee-Paid LTD Premium Calculator on The Standard’s website to determine your estimated premium.

Visit the HCA’s Long-term disability insurance premiums page for additional details.

No, Employee-Paid LTD insurance applies to the employee only.

If you wish to view your current Employee-Paid LTD coverage:

  1. Log into Workday via the Sign In To Workday link at the top of this page
  2. In Workday, select the Benefits worklet
  3. Select Benefit Elections as of Date and enter today’s date

Note that all eligible UW employees also receive Employer-Paid (Basic) LTD coverage at no cost, paid for by the UW, which pays a maximum of $240/month.

Opting Out / Reducing Your Coverage

You can reduce or decline Employee-Paid LTD insurance at any time via Workday. Follow the step-by step instructions in the User Guide linked below.

Go to the User Guide

Any changes you make will be effective the first of the month following your election update and changes to your contribution amount will be reflected on the second paycheck of the following month.

For example, if you make changes in June:

  • Your changes will be effective July 1
  • Your new lower/stopped premium contributions will be reflected on your July 25 paycheck
  • Since you had coverage in June, you will still see your June premium contributions reflected on your June 24 and July 11 paychecks

Note that, if you later decide to opt in or increase your coverage, you will need to provide evidence of insurability (which includes authorizing your health practitioner to release your medical records to the plan provider, The Standard) and be approved by the insurer.

Is this the same thing as WA Cares Fund?

No. The WA Cares Fund is Washington State’s long-term care insurance benefit. Long Term Disability insurance is not the same as Long Term Care insurance.