Long-term Disability Insurance

Overview

The Long-term Disability (LTD) insurance policy provides you with long term income protection if you become disabled from a covered injury, sickness, or pregnancy. On or off the job, anyone can become disabled and that can mean months without a paycheck. But if you have LTD, you can have:

• A percentage of your income each month, depending on how much  protection you have.
• Professional help for disability-related challenges from legal specialists, and  financial and therapeutic counselors.
• Affordable group rates through your employer with convenient payroll deduction.

On This Page

Eligibility

All Full-time Active Employees who are citizens or legal residents of the United States, its territories and protectorates, excluding civilian or uniformed employees of the St. Louis Police Division, part-time, temporary or seasonal employees. Employees must work at least 30 hours weekly to qualify.

Coverage is effective on the first pay period following 30 days of employment.

LTD Insurance Buy-up

The City provides Basic Coverage at no cost to the employee that pays you a benefit of 50% of employee base earnings to a maximum monthly benefit of $2,000 per month.

In addition the employee may purchase LTD Buy-Up to increase the monthly benefit to 60% of the employee earnings to a maximum benefit of $5,000 per month.

There is a 90 day elimination period before a claim will be processed.

Calculation: (Annual Salary/12)*0.137/100

Example on $30,000 annual salary:
(30,000/12)*0.137/100 = 3.425 = $3.43 bi-weekly premium.

Need to Make a Change?

The City provides Basic Coverage to employees at no cost. Employees can choose to enroll or cancel Buy-up LTD Insurance during the annual open enrollment or given a documented qualifying life event. In order to make a change, please complete a consolidated enrollment form and submit the form to your payroll specialist.

Carrier Contact Information

The City of Saint Louis Health & Welfare Section of the Department of Personnel administers the City’s Long Term Disability plan offered through Standard Insurance Company, insurance carrier since June 29, 2025.

In the event you have questions or feedback regarding any aspect of your coverage, you should contact your City Benefits Team at CityEmployeeBenefits@stlouis-mo.gov, or you may contact The Standard at:

When calling, please provide the following information:

• Policy Number: 760820-F
• Policy Holder: City of Saint Louis