The Standard Life Insurance Company (The Standard) is the CSU's insurance carrier for employer-paid long-term disability (LTD) insurance. LTD is an income protection program that provides benefits after 180 days of continuous disability. LTD is provided to supplement industrial disability leave, Social Security disability, retirement system payments, or any other group disability plan payments. If disability criteria are met, eligible employees will receive a percentage of pay up to a designated maximum amount per month, until age 65. The CSU offers this employer-paid insurance to eligible employees within specified employee categories. The level of coverage varies by employee category.

Employee Category	Policy Class Number	Amount of Coverage
Management (M80)	Class 1	66 2/3% of the first $15,000 of predisability earnings, reduced by deductible income. Maximum benefit: $10,000 before reduction of deductible income. Waiting period 180 days.
Faculty (R03)	Class 2
Faculty (R03)- Coach or AY classification	Class 3
Academic Support (R04)	Class 4
Physicians (R01)	Class 5
Executive (M98)	Class 6	66 2/3% of the first $22,500 of predisability earnings, reduced by deductible income. Maximum benefit: $15,000 before reduction of deductible income. Waiting period 180 days.

The Standard's LTD plan contains a number of enhanced coverage features including: (1) waiver of premium for disabled employees, (2) survivor benefits, (3) return to work incentives, (4) reasonable accommodation worksite payment, and (5) conversion.

Please refer to Standard's CSU specfic website, Certificate of Coverage and/or appropriate CSU Technical Letter(s) for complete details.