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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 designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury.
  • 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.  

Employees hired after January 1, 2010 or enrolled in the Paid Time Off Plan

You will be automatically enrolled in the short-term disability plan below:

         Weekly benefit:   70 percent of predisability earnings to a maxium of $1,500 
         Waiting Period:   14 days 
         Monthly cost:      City-paid
 
If you have more questions, review the Short-Term Disability information sheet.  
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 Controller's office to complete the employer portion. 
 
Short-term Disability Certificate 

Employees hired before January 1, 2010 or enrolled in the Sick and Vacation Plan
 
  • You may only enroll or make changes to short-term disability during the annual open enrollment period.
  • If you enroll during open enrollment, 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.
  • If you elect a plan with a shorter waiting period during open enrollment, a penalty applies. This means that if you file a claim for anything other than an accidental injury during the first 12 months after your new coverage becomes effective, benefits will be paid according to your prior coverage.

All plans pay the lesser of 70% of your predisability earnings or the plan's maximum weekly benefit. Please note: the STD premiums are increasing in 2014--see the last column in the chart below.


Plan Max Weekly Benefit Waiting Period  2013
Monthly Cost
   
2014
Monthly Cost
1     $350 7 days $18.90 $23.63
2       $1500 7 days $.0087 x Gross Monthly Earnings $.01088 x Gross Monthly Earnings
3  $1500 14 days $.0070 x Gross Monthly Earnings $.00875 x Gross Monthly Earnings
4     $1500 30 days $.0053 x Gross Monthly Earnings $.00663 x Gross Monthly Earnings
5  $1500 60 days    $.0035 x Gross Monthly Earnings        $.00439 x Gross Monthly Earnings

  

If you have more questions review the Short-Term Disability Frequently Asked Questions.

 
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 OHR/Benefit or Controller's office to complete the employer portion. 
 

2014 Short-term Disability Brochure

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 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 Citywide Admin Team at (720) 913-5751.
 

 
 Contact Us Minimize
Benefits questions? 
Call 720-913-5697 or email benefits@denvergov.org.