Vision, Life, Disability & Accident Insurance

The Standard is one of the leading ancillary benefit providers in the nation and is providing our member missions with a comprehensive set of benefits to meet your needs both now and in the future.

Basic Life and Accidental Death and Dismemberment Insurance

Group Basic Life insurance from The Standard helps provide financial protection by promising to pay a benefit in the event of an eligible member’s covered death. Basic Accidental Death and Dismemberment (AD&D) insurance may provide an additional amount in the event of a covered death or dismemberment as a result of an accident. The cost of this insurance is paid by the employer.

For a covered accidental loss of life, the Basic AD&D coverage amount is equal to the Basic Life coverage amount. For other covered losses, a percentage of this benefit will be payable. Basic Life and AD&D insurance coverage amounts are reduced to 50% at age 70.

There are four plan options available:

  Coverage Amount
Plan 1 Flat $10,000
Plan 2 Flat $25,000
Plan 3 Flat $50,000
Plan 4 1 X Annual Earnings

(maximum = $100,000)

Rate:

$0.26 per $1,000 of Benefit for all options

Materials to Download:

Download Citygate Network Coverage Summary

Download Life Services Toolkit

Download Online Will Preparation LST

Download Travel Assistance

Download ADD Occupational Assistance

Voluntary Life and Accidental Death and Dismemberment Insurance

Would the amount of your Basic Life coverage be enough to help your family meet daily expenses, maintain their standard of living, pay off debt and fund your children’s education? If not, you may want to apply for additional coverage. You can also cover your eligible spouse and children (up to age 26). The cost of this insurance is paid by the employee.

For a covered accidental loss of life, the Voluntary AD&D coverage amount for an employee or spouse is equal to the insured person’s Voluntary Life coverage amount. For other covered losses, a percentage of this benefit will be payable. Voluntary Life and AD&D insurance coverage amounts reduce to 50% at age 70.

 

Coverage Amount For you: $10,000 – $250,000
in increments of $10,000
Basic and Additional Life amounts cannot exceed a maximum of 5 times your annual earnings. Spouse coverage and coverage for your child(ren) each cannot exceed 100% of your Additional Life coverage. For your spouse: $5,000 – $50,000
in increments of $5,000
For your child(ren): $5,000 or $10,000

 

Rate

Employee & Spouse

Age Rate
<30 $0.09
30-34 $0.10
35-39 $0.11
40-44 $0.15
45-49 $0.21
50-54 $0.35
55-59 $0.57
60-64 $0.77
65-69 $1.32
70-74 $2.62
75+ $5.22

 

Child

$5,000 Benefit: $1.00

$10,000 Benefit: $2.00

Materials to Download:

Download Citygate Network Coverage Summary

Download Life Services Toolkit

Download Online Will Preparation LST

Download Travel Assistance

Download ADD Occupational Assistance

Group Short Term Disability Insurance

A disability can quickly drain a family’s savings and jeopardize their long-term financial security. Group Short Term Disability insurance from The Standard helps provide financial protection for insured members by promising to pay a weekly benefit in the event of a covered disability. The cost of this insurance is paid by the employer and added to the employee’s gross monthly income. If premium payments are made with “after-tax” dollars, benefits are federally tax-free under current federal tax law.

There are two plan options available, each with a different maximum benefit period.

Plan 1 Plan 2
Weekly Benefit 50% of the first $4,000 of insured predisability earnings as of the date of disability, reduced by deductible income
Maximum Weekly Benefit $2,000
Minimum Weekly Benefit $15
Benefit Waiting Period 14 days (accident or illness)
Maximum Benefit Period 90 days 180 days

Rate

90 – Day Maximum Benefit Period $0.467 per $10 of Benefit

180 – Day Maximum Benefit Period $0.648 per $10 of Benefit

Materials to Download:

Download Citygate Network Coverage Summary

Download Health Advocate Select

Group Long Term Disability Insurance

Group Long Term Disability insurance from The Standard promises to pay a monthly benefit in the event of a covered disability. The cost of this insurance is paid by the employer and added to the employee’s gross monthly income. If premium payments are made with “after-tax” dollars, benefits are federally tax-free under current federal tax law.

There are two plan options available, each with a different maximum benefit period.

Plan 1 Plan 2
Weekly Benefit 50% of the first $10,000 of insured predisability earnings as of the date of disability, reduced by deductible income
Maximum Monthly Benefit $5,000
Minimum Monthly Benefit $100
Benefit Waiting Period 90 days 180 days
Maximum Benefit Period To Social Security Normal Retirement Age

Rate

90 – Day Benefit Waiting Period 0.32% of Insured Earnings

180 – Day Benefit Waiting Period 0.20% of Insured Earnings

Materials to Download:

Download Citygate Network Coverage Summary

Download Workplace Possibilities Flyer

VSP Vision Coverage

To Locate a VSP Provider visit: www.standard.com/vision

View Plan Benefit Information (After 1/1/19): www.vsp.com

Rate

*Assumes Policyholder is contributing 100% of Employee Premium

Tier Monthly Premium
Employee Only $6.96
Employee and Spouse $14.96
Employee and Child(ren) $12.12
Employee and Family $20.12

 

*Assumes Policyholder is contributing less than 100% of Employee Premium

Tier Monthly Premium
Employee Only $8.48
Employee and Spouse $18.28
Employee and Child(ren) $14.76
Employee and Family $24.56

Materials to Download:

Download Citygate Network Coverage Summary

Accident Insurance

Nobody plans to have an accident, and most people don’t budget for one, either. Accident insurance helps cover out-of-pocket expenses medical insurance won’t cover.

Examples of accident insurance covered benefits include, but are not limited to:

  • Eye injury
  • Laceration
  • Skin graft
  • Bone fracture
  • Dislocation
  • Exploratory or Repair Surgery
  • Critical Care Unit Admission/Confinement
  • Hearing devices
  • Therapy services
  • Lodging
  • Transportation
  • Seat belt benefit
  • Airbag benefit
  • Helmet benefit
  • Repatriation benefit

Other Accident Features and Services:

  • Health Maintenance Screening Benefit (once per calendar year): $50
  • Automobile Accident Benefit: $500
  • Youth Organized Sports Benefit: Additional 25% of total benefit payable

Rate

Tier Monthly Premium
Employee Only $10.82
Employee and Spouse $16.58
Employee and Child(ren) $18.97
Employee and Family $29.30

Materials to Download:

Download Citygate Network Coverage Summary

Download Health Maintenance Screen