• Long Term Disability (LTD) insurance is mandatory and paid for by the employee through monthly post-tax payroll deductions. Premiums are calculated on a % of an employee's salary. It provides income protection in case of an illness or injury that keeps the employee away from work. There is a 90-day waiting period from the event date to receipt of the benefit. 

    Start a claim online:  https://standard.com/individual/file-claim

    Look for this menu:
    Insurance benefits through work