Disability Plan

yellow sticky notepad with "Disability Insurance" written in red


Starting on January 1, 2020, NCFlex began offering disability insurance for the first time through Standard Insurance Company (The Standard).  This is a combined plan and includes Short Term Disability (STD) and Long Term Disability (LTD) insurance.  Eligible employees can enroll in this plan during their initial New Hire enrollment period or when experiencing a qualifying life event.  

These plans provide income replacement if you become unable to work due to a medical disability.

  • STD benefits begin after a 10 business day waiting period (following your disability date) and go until day 60.  The plan pays $150 per business day, up to a maximum of $750 per week. 
  • LTD benefits begin to pay after you have been continuously disabled for 60 days.  Your monthly benefit will be reduced by deductible income, such as Social Security or workers' compensation benefits.  The plan will replace 66 2/3% of your eligible earnings, up to a maximum benefit of $12,500 per month.  If offsets apply, there is still a minimum payout per month of $100 or 10% of the LTD benefit.  


You may enroll in the NCFlex Disability plan if you are a full-time active employee* of a state agency, select community college, or select charter school, working at least 30 hours or more hours per week.  If you have questions about your eligibility, contact your Health Benefits Respresentative (HBR). 

*Employees of The University of North Carolina System are not eligible for this benefit.  

Learn More:

Disability Plan Details  (from the NCFlex 2021 Benefits Guide) 

NCFlex STD Certificate

NCFlex LTD Certificate


Video with Closed Captions: 

Disability Plan Contact Information: 

Customer Service for The Standard 

M-Fri 8:00 am - 8:00 pm (ET)

Email: ncflex@standard.com

Mailing Address

P.O. Box 2800

Portland, OR 97208

Fax 800-378-6053
When reporting claims 

Employer name: State of NC/NCFlex

Group Policy number: 758162

Questions? Contact NCFlex