Integrated Service Center

Optional LTD FAQs

Last updated Wednesday, July 1, 2020

Who can enroll in Optional LTD?

PEBB-eligible employees may enroll in Optional LTD.

How do I know if I need this benefit?

While the ISC cannot provide insurance advice, you can review the information on the UWHR Benefits website to help determine whether Optional LTD coverage is right for you.

Can I enroll my spouse or children in Optional LTD?

No, Optional LTD insurance applies to the employee only.

How do I use Optional LTD coverage?

If you’re unable to return to work and wish to file an LTD claim, contact the UWHR Benefits office. Be sure to contact them prior to using all of your paid leave.

I am going on medical leave. Can I still enroll in Optional LTD?

Yes. However, if you are enrolling outside of your original eligibility window, you must provide evidence of insurability (proof of good health) to the plan provider, The Standard.

Refer to the Benefits – Enrollment – Optional LTD User Guide for step-by-step enrollment instructions; contact The Standard with questions about coverage.

Are Optional LTD deductions taken pre- or post-tax?

Optional LTD deductions are taken post-tax from your UW paycheck. If you file an Optional LTD claim, your benefit will not be taxed.

How do I see how much I am paying for my Optional LTD coverage?

You can review your monthly Optional LTD premium amount and Year to Date (YTD) total on your most recent pay statement. Note that your premium will vary depending on your total earnings.

Additionally, depending on your total earnings, you may see a larger portion of the premium deducted on the first paycheck of each month, and a smaller portion (or no deduction) on the second paycheck of each month.

Does my Optional LTD premium amount change if I go on leave?

The premium amount deducted from your paycheck is calculated based on a percentage of your pay. While on leave, if you are paid less, you will see a lower premium amount deducted from your paycheck.

I’m going to have a special medical procedure/condition. Will it be approved?

You will need to contact the plan provider, The Standard Insurance Company, at 1-800-368-2860 with questions about what is covered under this benefit.

Can I change my Optional LTD coverage at any time?

You can waive or increase your waiting period at any time – refer to the Benefits – Enrollment – Optional LTD User Guide.

However, if you want to shorten your waiting period, you must provide evidence of insurability (proof of good health) to the plan provider, The Standard.

Why don’t I see the 30- or 60-day waiting period to select?

30- and 60-day waiting periods are no longer available as of January 1, 2019, as these waiting periods were replaced by Washington’s new Paid Family and Medical Leave program, which offers qualified employees 12 to 18 weeks of paid leave.

Employees previously enrolled in 30- and 60-day waiting periods were transferred to the new minimum 90-day waiting period on January 1, 2020.

What is Basic LTD coverage?

All eligible UW employees receive Basic LTD coverage at no cost. This coverage pays a maximum of $240.00 per month (less if your salary is below $4,800 per year).

Is long-term care insurance the same thing as Optional LTD? Does UW offer long-term care insurance?

Long-term care insurance is not the same as Optional LTD insurance. The PEBB program discontinued long-term care insurance, and it is not a current benefit offering.