Short Term Disability (STD) insurance is designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury. This STD benefit replaces a portion of your income, thus helping you to meet your financial commitments in a time of need. Buy-up STD insurance offers you the opportunity to choose one of two levels of STD coverage.
You have the opportunity to choose between the base STD coverage, which is fully paid by your employer, or the STD buy-up coverage. You pay 100% of the premium for the buy-up coverage through easy payroll deduction.
Medical underwriting approval may be required for STD buy-up coverage. Learn more by reading your Medical Underwriting Approval (Evidence of Insurability [EOI]) FAQ (English or Spanish).
If the policy becomes effective and you do not elect the buy-up option, you will automatically be enrolled in the base STD plan.
Use the Needs Estimator to determine if buy-up STD insurance from The Standard may be part of the solution for you. To review eligibility requirements and for answers to commonly asked questions, costs, exclusions, limitations and reductions, please refer to the coverage highlights (English or Spanish) and the STD Certificate of Insurance.
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Jared's Story: Time for Family
Age: 36 - Occupation: pediatrician - Married, one child
How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.
Jody's Story:
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children
Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.
David's Story: Starting a Medical Career
Age: 33 - Occupation: dermatology physician - Single, no children
Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.
Jason's Story: Accidents Happen
Age: 35 • Occupation: orthopedic surgeon • Married, two children
Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.
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