Standard Insurance is the City and County of Denver's short-term and long-term disability carrier.
Short-Term Disability
Short-term disability insurance is a voluntary benefit 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 short-term disability during your new hire period or during the annual open enrollment period.
- Short-term Disability is effective the first of the month following your date of hire.
- Short-term disability 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, short-term disability benefits will become payable after you have been continuously disabled for 60 days and remain disabled.
Available Short-Term Disability 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 x Gross Monthly Earnings
To file a claim, download the
Short-Term Disability 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.
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 more than 180 days due to a covered illness or injury.
- Your long-term disability becomes effective the first day of work.
The monthly long-term disability 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.
If you have more questions
review the LTD benefit summary .
To file a claim, contact the CSA/Benefit unit at (720) 913-5697.
