ORP Insurance Benefits

There may be cases when a participant is called to active military duty and, while on military leave, still has contributions made under the ORP. In a case like this, where the Commonwealth continues paying the related insurance premiums for an ORP participant away on active military duty, coverage under both policies may continue.

The Group Life Insurance policy does not carry a war exclusion. So, coverage would continue in full, even while a participant is in a war zone.

The Long Term Disability policy does have a war exclusion. However, the Standard Insurance Company (the current underwriter) has explained that they would review individual case circumstances before denying benefits to a participant who became disabled in a war zone.