The Commonwealth provides long-term disability insurance for active participants in the Optional Retirement Program. This benefit provides a monthly income benefit during periods of disability. Additionally, the plan continues contributions to your retirement account while you are receiving monthly income benefits; helping to ensure an adequate retirement income after disability income ends, typically at age 65.
The single-page 
highlight sheet provides a synopsis of the disability insurance benefits.
The Certificate of Insurance is a detailed description of the disability insurance benefits provided under the program. You may print this document for personal reference. However, you should check this site for the most recent version of the certificate because the benefits can change over time.
The long-term disability insurance plan also includes an Employee Assistance Plan.
Ask your campus benefits administrator for a disability application at anytime. You are responsible for completing the employee and physician statements. You should mail them directly to the Standard Insurance Company. Their mailing address is at the top of the first page of each statement.
The plan administrator will complete and submit the employer statement directly to the company.
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