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.

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

City Plans

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 $3,333 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.

Police Plans

The City provides Basic Coverage at no cost to the employee that pays you a benefit of 40% of employee base earnings to a maximum monthly benefit of $3,333 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 180 day elimination period before a claim will be processed.

LTD Applications

To submit a LTD claim, please follow the steps below.

City

1. After day 45 of the 90 day elimination period, complete the Employee Statement and have your Physician complete the Physician Statement.
2. Email your documents to CityEmployeeBenefits@stlouis-mo.gov or directly to the Standard.
3. Email the City Employee Benefits Section to request that the Employer Statement is completed on your behalf. Please provide the dates for the disability in your email request.

Police

1. After day 90 of the 180 day elimination period, complete the Employee Statement and have your Physician complete the Physician Statement.
2. Email your documents to CityEmployeeBenefits@stlouis-mo.gov or directly to the Standard.
3. Email the City Employee Benefits Section to request that the Employer Statement is completed on your behalf. Please provide the dates for the disability in your email request.

Standard Claim Contact Information

Email: newclm@standard.com
Fax: 971-321-8400
Mail: PO Box 200, Portland, OR  97208

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