Long-term disability insurance is available for full time employees not covered by State Disability Insurance (SDI).
- Executives, Management I & II, including IBEW Supervisory employees who are eligible for deferred compensation, may enroll in LTD coverage.
Benefits are available 60 days after the onset of the illness or injury. This benefit pays 60% of the employee's pre-disability earnings with a maximum amount of $7,000 per month.
Monthly premiums are based on each employee's salary.
Monthly premiums are .48% of salary with a maximum of $56.00 per month.
The monthly LTD premium is paid out of the City's contribution to the employee's deferred compensation account
for IBEW Supervisory employees only. Executive and
Management employees pay for own premium on an after-tax basis.
- Sworn Fire, Police, and other Public Safety Management may opt for LTD coverage through the appropriate Association.
- Non-Supervisory IBEW employees have LTD coverage through The Standard Insurance.
Non-Supervisory IBEW employees receive 66 2/3% of their pre-disability earnings, 60 days after the onset of the illness or injury.
- Executives, Management I & II, including IBEW Supervisory employees may opt for LTD coverage under The Standard Insurance.
Enrollment may be done at any time.
Please be advised that if you have a pre-existing medical
condition, the LTD coverage may not apply and any claims
submitted are subject to being denied. For additional
information on the pre-existing medical conditions, please
review the LTD policy or contact the Standard directly at
- For Sworn Fire, Police and other Public Safety Management enrollment questions should be directed to the appropriate Association.
- Non-Supervisory IBEW employees are automatically enrolled in LTD.
- Executives, Management I & II, including IBEW Supervisory employees may change their LTD plan during Open Enrollment.
- Sworn Fire, Police, and other Public Safety Management employees should contact the appropriate Association regarding any plan changes.
- For Non-Supervisory IBEW Employees, no changes can be made to the LTD coverage.
The Standard Insurance LTD enrollment packet contains complete details of benefits and exclusions. The City of Riverside Human Resources Department and Standard Insurance LTD Member Services are also available to answer questions.