Getting California State Long Term Disability

If you currently reside in the state of California and have been diagnosed as disabled, then you might want to consider getting state long term disability coverage.

How to Get Coverage

In order to obtain long term disability coverage in the state of California, you will need to either get the coverage through a group. For example:

• You can get long term disability coverage as a benefit through your employer
• You can get coverage through a civic or social organization or
• You can get coverage individually. 

If you have garnered the long term disability coverage on your own, then more than likely the coverage that you have was medically underwritten by an insurance company.

Voluntarily Long Term Disability Plan

The long term disability insurance is a standard part of the benefits package on a statewide level in the state of California.  Provided by a company called Standard Insurance Company, voluntary long term disability insurance is readily available to California state employees.  As soon as you complete the mandated work requirement then you will be eligible to receive the long term disability benefits should you succumb to an injury that leaves you in a debilitative state.  Usually, the long term disability benefit will last anywhere from one year until the time that you retire. 

The voluntary long term disability insurance plan provided by Standard Insurance Company provides disabled individuals with two coverage options:

• The first is the 55% benefit option and the second is the 65% benefit option. 
• The first option will replace approximately 55% of the first $10,910 of your base monthly salary. 
• The second option replaces approximately 65% of the first $9231 of your base monthly salary. 

As an employee of the state of California you are entitled to select the option that best suits your needs.

Rehabilitation Plan

California’s long term disability insurance has a rehabilitation plan provision that is implemented into the disability insurance.  This rehabilitation plan enables the insurance company (Standard Insurance) to decide when to approve you for return back to work.  In lieu of this, many work related expenses may be covered (i.e. training, education, and job searches).  Additionally, you will be compensated while out on disability for your children’s education expenses. 

Getting Help

If you currently live in the state of California, and your injury has resulted in you being diagnosed as disabled, then you might be eligible for long term disability insurance benefits through Standard Insurance Company.  You should check with your human resources office for more details. You should also consider consulting with an experienced disability rights attorney. Your attorney can guide you through the process of applying for disability and can help you to collect the evidence you need so your claim will be approved.