Disability Benefits

Standard Insurance is the City and County of Denver's short-term and long-term disability carrier. 

Short-term Disability

Short-term disability (STD) insurance is a voluntary plan designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury. You may only elect STD during your new hire period.  STD benefits may continue during a disability for up to 180 days.

If you elect outside of your new hire period a late enrollment penalty (LEP) applies. A LEP means that if you file a claim for anything other than an accidental injury during the first 12 months after your coverage becomes effective, STD benefits will become payable after you have been continuously disabled for 60 days and remain disabled.

Available STD Plans:
All plans pay the lesser of 70% of your predisability earnings or the plan's maximum weekly benefit. 

Plan 1: Maximum weekly benefit: $350
Waiting period: 7 days
Monthly cost: $18.90

Plan 2: Maximum weekly benefit: $1500
Waiting period: 7 days
Monthly cost: $.0087 x Gross Monthly Earnings

Plan 3: Maximum weekly benefit: $1500
Waiting period: 14 days
Monthly cost: $.0070 x Gross Monthly Earnings

Plan 4: Maximum weekly benefit: $1500
Waiting period: 30 days
Monthly cost: $.0053 x Gross Monthly Earnings

Plan 5: Maximum weekly benefit: $1500
Waiting period: 60 days
Monthly cost: $.0035/Gross Monthly Earnings

If you have more questions review the STD Frequently Asked Questions document.  To file a claim, download the STD Claim Form, forward the physician statement to your doctor for completion, complete the employee statement and contact the CSA/Benefit or Controller's office to complete the employer portion.  Short-term disability certificate.

Long-term Disability
Long-term disability (LTD) insurance is designed to pay a monthly benefit to you in the event you are unable to work for after 180 days due to a covered illness or injury. 

The monthly LTD benefit is 60% of the first $10,000 of your monthly pre-disability earnings earnings.  The City pays 100% of the premium and you are automatically enrolled upon hire. 
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