SI 2047 1 of 7 (2/09)
Your Disability Benefit Claim
This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about
Disability claims. Please save this material for your future reference. For specific information about your Disability
insurance coverage, refer to your group insurance certificate. The certificates are the ultimate authority for Disability
claim decisions. If you need other information, please contact your employer’s benefit administrator or call our customer
service line at 800.368.2859.
How To Apply For Benefits
The Disability benefits application includes claim forms and an Authorization.
1. Your employer should complete the Employer’s Statement on page 2, and mail or fax it to Standard Insurance Company,
before giving the claim packet to you.
2. Complete and sign your part of the claim form (on page 4), and then have your treating physician complete their
part of the claim form (the Attending Physician’s Statement, also on page 4). If more than one physician is treating
you for your disabling condition, each should complete a form. Additional forms are available from your employer’s
benefits administrator. Your physician may return the completed form to you for you to send to us with the other
completed forms, or your physician may mail or fax the completed form to us directly, using the contact information
at the top of the form.
3. Read the Claim Form Fraud Notice on page 5, then provide it to your treating physician with the Attending
Physician’s Statement.
4. Sign and date the Authorization and send it, along with the completed claim forms, to The Standard at the above
address. This authorization allows us to request further information about your claim, if necessary.
Once we receive your completed claim application, it will take approximately one week to make a claim decision. If we
have not reached a decision within one week, you will be notified with the details.
Other Benefits That May Reduce Your Disability Benefits
Other benefits you receive may reduce the amount of Disability benefits due you. Your group insurance certificate lists
these benefits which may include, but are not limited to, sick leave, Workers’ Compensation, State Disability, Social Security,
and Retirement.
To avoid a possible overpayment on your claim, which would need to be repaid to The Standard, please inform The Standard
if you receive other benefits.
When You Return To Work
Your disability benefits usually stop when you return to work. Be sure that you notify The Standard immediately when you
plan to return, or have returned to work to assure no overpayment occurs.
Standard Insurance Company
800.368.2859 Tel 800.378.6053 Fax
PO Box 2800 Portland OR 97208
Disability Insurance
Claim Packet Instructions
SI 2047 2 of 7 (2/09)
Standard Insurance Company
800.368.2859 Tel 800.378.6053 Fax
PO Box 2800 Portland OR 97208
Disability Insurance
Employer’s Statement
Employee’s Full Name Social Security No. Job Title Please attach a copy of the job description. 1. Date Employed
Employee’s Home Address State ZIP
Work Location Address State ZIP
To Be Completed By Employer
4. Has the employee filed for: Workers’ Compensation
Yes
No
State Disability
Yes
No
Other
Yes
No
Weekly Amount
5. Employee’s Earnings $ ______________
Check one
Hourly
Weekly
Monthly
Annual
Commission
Other
Shift Differential
Bonuses
Date of last increase _____________ Earnings prior to increase $ _____________
6. Last active date at work
7. Job status when
disability began:
8. Date employee returned to work
9. Last date through which sick leave benefits were paid by employer
10. Last date through which any compensation was paid by employer What type(s) of compensation was paid on this date?
Acknowledgement – I certify that the answers I have made to the above questions are complete and true to the best of my knowledge and belief.
I acknowledge that I have read the fraud notice on page 3 of this form.
Signature Date
Employer Name Location Code (if applicable) Phone No. Policy No.
Mailing Address City State ZIP
Name of employer representative completing this form
11. Is employee subject to:
Social Security taxes?
Yes
No
Medicare taxes?
Yes
No
13. Are employee premiums paid with pre-tax
dollars (IRC Section 125 cafeteria plans)?
Yes
No
12. What percentage of the STD premium does the employer pay? _______%
What percentage of the LTD premium does the employer pay? _______%
Are employer paid premiums included in the employee’s salary?
Yes
No
N/A
IMPORTANT: Remember to calculate the premium contribution percentage information
according to the IRS Group Policy (three year averaging) rule.
2. Is employee insured for Short Term Disability?
Ye s
No
Effective Date _________________________
Is employee insured for Long Term Disability?
Ye s
No
Effective Date_________________________
Is employee insured for Group Life Insurance
through The Standard?
Ye s
No
Was employee given
Certificate(s) of Insurance?
Ye s
No
Don’t Know
3. Is disability work related?
Yes
No
Undetermined
Full-time ( ____ hours/week)
Part-time ( ____ hours/week)
Reset
SI 2047 3 of 7 (2/09)
Some states require us to provide the following information to you:
CALIFORNIA RESIDENTS
For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false
or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
COLORADO RESIDENTS
It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the
purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance,
and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or
misleading facts or information to the policyholder or claimant for the purpose of defrauding or attempting to defraud the
policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the
Colorado division of insurance within the department of regulatory agencies.
FLORIDA RESIDENTS
Any person who knowingly and with intent to injure, defraud or deceive an insurance company, files a statement of claim or an
application containing false, incomplete or misleading information is guilty of a felony of the third degree.
MARYLAND RESIDENTS
Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly
and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and
confinement in prison.
NEW JERSEY RESIDENTS
Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and
civil penalties.
NEW YORK RESIDENTS
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance
or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning
any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to
exceed five thousand dollars and the stated value of the claim for each such violation.
PENNSYLVANIA RESIDENTS
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance
or statement of claim containing any materially false information or conceals for the purpose of misleading, information
concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal
and civil penalties.
ALL OTHER RESIDENTS
Some states require us to inform you that any person who knowingly and with intent to injure, defraud
or deceive an insurance company, or other person, files a statement containing false or misleading
information concerning any fact material hereto commits a fraudulent insurance act which is subject to
civil and/or criminal penalties, depending upon the state. Such actions may be deemed a felony and
substantial fines may be imposed.
Disability Insurance
Claim Form Fraud Notices
Standard Insurance Company
800.368.2859 Tel 800.378.6053 Fax
PO Box 2800 Portland OR 97208
SI 2047 4 of 7 (2/09)
To Be Completed By Employee
For a prompt review of your claim, ALL of this form must be thoroughly completed by the appropriate persons.
Full Name Employer/Company Name Group Policy No.
Social Security No. Phone No. Birthdate Sex
Birthdate of Youngest Child
Address City State ZIP
1. Is your disability work related?
Ye s
No If yes, have you filed a Workers’ Compensation claim?
Ye s
No
2. Last date at work before disability Date you returned or expect to return to work
M
F
Disability Insurance
Employee/Attending Physician’s Statement
Standard Insurance Company
800.368.2859 Tel 800.378.6053 Fax
PO Box 2800 Portland OR 97208
3. Cause of Disability:
Accident
Illness
Pregnancy If accident or illness, please explain (include date and location, if applicable)
4. Please describe all work activity, including self-employment, since the start of your disability. If none, initial here
( )
Acknowledgement I certify that the answers I have made to the above questions are complete and true to the best of my knowledge and belief.
I acknowledge that I have read the fraud notice on page 5 of this form and will provide it to the physician completing the Attending Physician’s Statement.
Signature Date
1. Diagnosis
2. Pregnancy
(if applicable)
3. History and Treatment
4. Level of Functional Impairment
Please attach recent chart notes/pertinent records.
J. Hospitalization? K. Date Admitted Date Discharged L. Surgery? M. Date Surgery Completed/Scheduled
N. Reason/Surgery Type O. Surgery/Post-Surgery Complications?
Acknowledgement – I certify that the answers I have made to the above questions are complete and true to the best of my knowledge and belief.
I acknowledge that I have read the fraud notice on page 5 of this form.
Signature Date
5. Physician Information
Please type or print.
C. How long do you expect these limitations and restrictions to impair your patient?
Date______________
Unable to determine, follow up in______ weeks
Permanently
D. Is the patient competent to manage insurance benefits?
Yes
No
If no, is the patient competent to appoint someone to help manage the insurance benefits?
Yes
No
( )
To Be Completed By The Attending Physician
The following information is needed to document the patient’s inability to work. The patient is responsible for obtaining a complete form without expense
to The Standard. Please complete this form and mail or fax it to The Standard using the contact information listed above.
F. Date of first visit for this condition G.Frequency of subsequent visits: H. Date of most recent visit
Weekly
Monthly
Other _____________________
I. Describe planned course and duration of treatment
Vaginal
C-section
( )
B. Symptoms Height Weight B/P
A. Diagnosis ICDA Classification
A. Expected date of delivery B. Actual date of delivery
A. Date you recommended the patient stop work B. When did symptoms appear or accident happen?
C.Has the patient ever had the same or similar condition?
Yes
No If yes, when?
D. Is this condition related to the patient’s employment?
Yes
No E. Did you complete a Workers’ Compensation claim form?
Yes
No
Yes
No
Yes
No
Yes
No If yes, please describe
B. Factors Delaying Recovery (if applicable)
A. Describe patient’s physical and/or mental limitations and restrictions (functional capacity).
Name of physician completing this form Specialty Phone No.
Address City State ZIP Fax No.
SI 2047 5 of 7 (2/09)
Some states require us to provide the following information to you:
CALIFORNIA RESIDENTS
For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false
or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
COLORADO RESIDENTS
It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the
purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance,
and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or
misleading facts or information to the policyholder or claimant for the purpose of defrauding or attempting to defraud the
policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the
Colorado division of insurance within the department of regulatory agencies.
FLORIDA RESIDENTS
Any person who knowingly and with intent to injure, defraud or deceive an insurance company, files a statement of claim or an
application containing false, incomplete or misleading information is guilty of a felony of the third degree.
MARYLAND RESIDENTS
Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly
and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and
confinement in prison.
NEW JERSEY RESIDENTS
Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and
civil penalties.
NEW YORK RESIDENTS
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance
or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning
any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to
exceed five thousand dollars and the stated value of the claim for each such violation.
PENNSYLVANIA RESIDENTS
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance
or statement of claim containing any materially false information or conceals for the purpose of misleading, information
concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal
and civil penalties.
ALL OTHER RESIDENTS
Some states require us to inform you that any person who knowingly and with intent to injure, defraud
or deceive an insurance company, or other person, files a statement containing false or misleading
information concerning any fact material hereto commits a fraudulent insurance act which is subject to
civil and/or criminal penalties, depending upon the state. Such actions may be deemed a felony and
substantial fines may be imposed.
Disability Insurance
Claim Form Fraud Notices
Standard Insurance Company
800.368.2859 Tel 800.378.6053 Fax
PO Box 2800 Portland OR 97208
SI 2047 6 of 7 (2/09)
Authorization to Obtain and Release Information
Standard Insurance Company
The Standard Life Insurance Company of New York
The Standard Benefit Administrators
I AUTHORIZE THESE PERSONS having any records or knowledge of me or my health:
Any physician, medical practitioner or health care provider.
Any hospital, clinic, pharmacy or other medical or medically related facility or association.
Kaiser Permanente.
Any insurance company or annuity company.
Any employer, policyholder or plan sponsor.
Any organization or entity administering a benefit or leave program (including statutory benefits) or an annuity program.
Any educational, vocational or rehabilitation counselor, organization or program.
Any consumer reporting agency, financial institution, accountant, or tax preparer.
Any government agency (for example, Social Security Administration, Public Retirement System, Railroad Retirement Board, Workers’
Compensation Board, etc.).
TO GIVE THIS INFORMATION:
Charts, notes, x-rays, operative reports, lab and medication records and all other medical information about me, including
medical history, diagnosis, testing and test results. Prognosis and treatment of any physical or mental condition, including:
Any disorder of the immune system, including HIV, Acquired Immune Deficiency Syndrome (AIDS) or other related
syndromes or complexes.
Any communicable disease or disorder.
Any psychiatric or psychological condition, including test results, but excluding psychotherapy notes. Psychotherapy notes
do not include a summary of diagnosis, functional status, the treatment plan, symptoms, prognosis and progress to date.
Any condition, treatment, or therapy related to substance abuse, including alcohol and drugs.
and:
Any non-medical information requested about me, including such things as education, employment history, earnings or
finances, return to work accommodation discussions or evaluations and eligibility for other benefits or leave periods
including but not limited to claims status, benefit amount, payments, settlement terms, effective and termination dates,
plan or program contributions, etc.
TO STANDARD INSURANCE COMPANY, THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK, THE STANDARD
BENEFIT ADMINISTRATORS AND THEIR AUTHORIZED REPRESENTATIVES (referred to as “The Companies”, individually
and collectively), AND MY EMPLOYER’S ABSENCE MANAGEMENT PROGRAM ADMINISTRATOR (“Absence Manager”).
I acknowledge that any agreements I have made to restrict my protected health information do not apply to this authorization
and I instruct the persons and organizations identified above to release and disclose my entire medical record without restriction.
I understand that each of The Companies and Absence Manager will gather my information only if they are administering
or deciding my disability or leave of absence claim(s), and will use the information to determine my eligibility or entitlement
for benefits or leave of absence.
I understand that I have the right to refuse to sign this authorization and a right to revoke this authorization at any time
by sending a written statement to The Companies and Absence Manager, except to the extent the authorization has been
relied upon to disclose requested records. A revocation of the authorization, or the failure to sign the authorization, may
impair The Companies and Absence Manager’s ability to evaluate or process my claim(s), and may be a basis for denying
or closing my claim(s) for benefits or leave of absence.
I understand that in the course of conducting its business The Companies and Absence Manager may disclose to other
parties information about me. They may release information to a reinsurer, a plan administrator, plan sponsor, or any person
performing business or legal services for them in connection with my claim(s). I understand that The Companies and Absence
Manager will release information to my employer necessary for absence management, for return to work and accommodation
discussions, and when performing administration of my employer's self-funded (and not insured) disability plans.
I understand that The Companies and Absence Manager comply with state and federal laws and regulations enacted to
protect my privacy. I also understand that the information disclosed to them pursuant to this authorization may be subject to
redisclosure with my authorization or as otherwise permitted or required by law. Information retained and disclosed by The
Companies and Absence Manager may not be protected under the Health Insurance Portability and Accountability Act [HIPAA].
I understand and agree that this authorization as used to gather information shall remain in force from the date signed below:
For Standard Insurance Company, the duration of my claim(s) or 24 months, whichever occurs first.
For The Standard Life Insurance Company of New York, the duration of my claim(s) or 24 months, whichever occurs first.
For The Standard Benefit Administrators, the duration of my claim(s) administered by The Standard Benefit
Administrators or 24 months, whichever occurs first.
For Absence Manager, 24 months.
I understand and agree that The Companies and Absence Manager may share information with each other regarding my
disability and leave of absence claim(s). This authorization to share information shall remain valid for 12 months from the
date signed below.
I acknowledge that I have read this authorization and the New Mexico notice on page 7. A photocopy or facsimile of this
authorization is as valid as the original and will be provided to me upon request.
Name (please print) Social Security No.
Signature of Claimant/Representative Date
If signature is provided by legal representative (e.g., Attorney in Fact, guardian or conservator), please attach documentation of legal status.
SI 2047 7 of 7 (2/09)
Standard Insurance Company is a licensed insurance company in all states except New York. The Standard Life Insurance
Company of New York is an insurance company licensed only in New York. The Standard Benefit Administrators performs
claims administration services for Standard Insurance Company. An absence manager may be hired by your employer and may
be one of The Companies.
FOR RESIDENTS OF NEW MEXICO
The state of New Mexico requires Standard Insurance Company to provide you with the following information pursuant to its
Domestic Abuse Insurance Protection Act.
The Authorization form allows Standard Insurance Company to obtain personal information as it determines your eligibility for
insurance benefits. The information obtained from you and from other sources may include confidential abuse information.
“Confidential abuse information” means information about acts of domestic abuse or abuse status, the work or home address or
telephone number of a victim of domestic abuse or the status of an applicant or insured as a family member, employer or
associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close personal,
family or abuse-related counseling relationship. With respect to confidential abuse information, you may revoke this authorization
in writing, effective ten days after receipt by Standard Insurance Company, understanding that doing so may result in a claim
being denied or may adversely affect a pending insurance action.
Standard Insurance Company is prohibited by law from using abuse status as a basis for denying, refusing to issue, renew or
reissue or canceling or otherwise terminating a policy, restricting or excluding coverage or benefits of a policy or charging a
higher premium for a policy.
Upon written request you have the right to review your confidential abuse information obtained by Standard Insurance Company.
Within 30 business days of receiving the request, Standard Insurance Company will mail you a copy of the information pertaining
to you. After you have reviewed the information, you may request that we correct, amend or delete any confidential abuse
information which you believe is incorrect. Standard Insurance Company will carefully review your request and make changes
when justified. If you would like more information about this right or our information practices, a full notice can be obtained
by writing to us.
If you wish to be a protected person (a victim of domestic abuse who has notified Standard Insurance Company that you are
or have been a victim of domestic abuse) and participate in Standard Insurance Company’s location information
confidentiality program, your request should be sent to Standard Insurance Company.
Authorization to Obtain and Release Information
Standard Insurance Company
The Standard Life Insurance Company of New York
The Standard Benefit Administrators
Print