PEBB – What is LTD Insurance and how can I enroll?
PEBB provides long-term disability (LTD) insurance to eligible members through the Standard Insurance Company to eligible state employees. PEBB’s full employee benefits package includes the basic LTD insurance at no cost to you; it provides 60% of the first $400 of your pre-disabililty income, reduced by any deductible income, and benefits start after 90 days.
You can build on your basic by enrolling in the Optional LTD coverage. If you are outside of the “initial 31-day eligibility” (most likely your initial hire date as a PEBB eligible employee), you will need to provide evidence of insurability, depending on what coverage you apply for and when. Optional LTD provides: 60% of your pre-disability earnings (up to $10K) and any benefits paid under the basic plan.