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Basic Life and Long-Term Disability Benefits


Group Basic Life Insurance, Long-Term Disability, Voluntary Life and Short-Term Disability

ACTIVE PARTICIPANTS
The Public Employees' Benefits Program (PEBP) provides a basic amount of Life insurance to help active employees protect their loved ones in the event of their death. Since everyone's needs are different, PEBP also provides employees with the opportunity to apply for additional Voluntary Life insurance coverage— a simple, easy way to further help protect your family with premiums deducted directly from your paycheck. In certain circumstances, employees may be required to provide satisfactory proof of evidence of insurability.
Basic Life Insurance
Active Employee Basic Life Insurance

If you participate in a PEBP medical plan, your benefits include $25,000 of Basic Life insurance coverage. Refer to the Active Group Life Insurance Certificate for more detailed information.
Long Term Disability Insurance If you participate in a PEBP medical plan, your benefits include Long Term Disability (LTD) insurance. This insurance is designed to help protect you against a loss of income in the event you become disabled and are unable to work for an extended period of time.

If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 180–day Benefit Waiting Period. No benefits are payable during the Benefit Waiting Period. The monthly LTD benefit is based on your earnings from the State of Nevada. Your monthly LTD benefit is 60 percent of the first $12,500 of your monthly earnings, as defined in the group insurance policy, reduced by deductible income.
Beneficiary Financial Counseling Beneficiary Financial Counseling

At the time of a life insurance claim, the beneficiary of an active employee may also be eligible to receive comprehensive and objective financial counseling through an arrangement with PricewaterhouseCoopers. Services include a beneficiary guide about settling an estate and other important topics, personal financial counseling, financial analysis, 12 months of unlimited toll-free telephone access to financial counselors, a financial Web site and the newsletter "Your Money, Your Future." Refer to the Beneficiary Financial Counseling brochure for more detailed information.
MEDEX® Travel Assist MEDEX® Travel Assist

Designed to respond to most medical care situations and many other emergencies you and your family experience when you travel 100 miles or more from your home, MEDEX® provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home. Simply print out and carry the MEDEX® Travel Assist Card. Refer to the MEDEX® Travel Assist brochure for more detailed information.

Voluntary Life and Dependent Life Insurance

Voluntary Life Needs Estimator

Voluntary Life Premium Calculator

Voluntary Life and Dependent Life Insurance


You may also purchase Voluntary Life and Dependent Life insurance at group rates.

Employees may apply for voluntary life coverage for:

Himself or Herself in multiples of $10,000 to a maximum of $500,000;
His or her spouse in  any multiple of $10,000 to a maximum of $250,000; and/or
His or her child(ren) in any multiple of $2,500 to a maximum of $10,000.

The amount of Dependent Life Insurance for your spouse or child may not exceed 100% of the amount of your combined life insurance amounts under the Basic Life and Voluntary Life Insurance policies.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Voluntary Life and AD&D Insurance Booklet for Active Members and the Certificate of Insurance available at
The Standard.

Voluntary Short-Term Disability

STD Needs Estimator

STD Premium Calculator

How to Enroll

Voluntary Short-Term Disability


PEBP provides active employees the opportunity to enroll in voluntary Short-Term Disability (STD) which is designed to pay a benefit to you in the event you cannot work because of a covered illness, injury or pregnancy. This benefit replaces a portion of your income, thus helping you meet your financial commitments in a time of need.

If you participate in a PEBP medical plan, you have the opportunity to purchase Voluntary STD coverage through The Standard via convenient payroll deductions.


Benefit Waiting Period Option Weekly STD Benefit
Option A: 7 days 60% of the first $2,500 of your weekly earnings as defined in the group insurance policy, reduced by deductible income. The maximum STD benefit is $1,500 per week.
Option B: 14 days
Option C: 30 days

If you enroll when first eligible, and your STD claim is approved by The Standard, STD benefits become payable at the end of an elected Benefit Waiting Period for disabilities caused by accidents, physical disease, pregnancy or mental disorder. No benefits are payable for or during the Benefit Waiting Period.

If you do not apply when you are initially eligible, then during the first year you are insured under the Voluntary STD plan, the Benefit Waiting Period for disability caused by physical disease, pregnancy or mental disorder will be 60 days from the date of your disability. The Late Enrollment Penalty does not apply to a disability resulting from an accidental injury.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Group Voluntary Short-Term Disability Booklet and Certificate of Insurance available at
The Standard.

Beneficiary Designation and Change Form

Remember to Update Your Beneficiary

As a reminder, Standard Insurance Company maintains all Life insurance beneficiary designations, including designations for Basic Life insurance. If you want to designate or update your beneficiary(ies), please complete the Beneficiary Designation and Change Form and return it to the address listed above.
RETIRED PARTICIPANTS

The Public Employees' Benefits Program (PEBP) provides a basic amount of Life insurance to help retirees protect their loved ones in the event of their death. Since everyone's needs are different, PEBP also provides retirees with the opportunity to apply for additional Voluntary Life insurance coverage— a simple, easy way to further help protect your family.  In certain circumstances, retirees may be required to provide satisfactory proof of evidence of insurability.
Basic Life Insurance Basic Life Insurance

If you participate in a PEBP medical plan, your benefits include $12,500 of Basic Life insurance coverage.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Basic Life Insurance Booklet for Retired Members and the Certificate of Insurance for more detailed information.

MEDEX® Travel Assist MEDEX® Travel Assist

Designed to respond to most medical care situations and many other emergencies you and your family experience when you travel 100 miles or more from your home, MEDEX® provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home. Simply print out and carry the MEDEX® Travel Assist Card. Refer to the MEDEX® Travel Assist brochure for more detailed information.
Voluntary Life Insurance

Needs Estimator

Premium Calculator

How to Enroll
Voluntary Life Insurance

You may also purchase Voluntary Life insurance at group rates. Voluntary Life amounts may be elected in multiples of $5,000 to a maximum of $50,000.

Retiree Voluntary Life premium is calculated based on the participant's age as of each July 1. This means that retired participants will pay premiums based on their age and the amount of coverage elected.

Beneficiary Designation and Change Form  Remember to Update Your Beneficiary

As a reminder, Standard Insurance Company maintains all Life insurance beneficiary designations, including designations for Basic Life insurance. If you want to designate or update your beneficiary(ies), please complete the Beneficiary Designation and Change Form and return it to the address listed above.
 

For more information regarding the products shown on the page, please visit The Standard at www.standard.com or contact them at 888-288-1270.

 


 

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Reviewed April 18, 2014



 


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