NCFlex offers disability insurance 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, when experiencing a qualifying life event or during Open Enrollment each year (EOI may be required).
These plans provide income replacement if you become unable to work due to a medical disability.
- STD benefits begin after a 14 calendar-day waiting period (following your disability date) and go until day 60. The plan pays 66 2/3% of earnings per 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, participating community college, or participating charter school, working at least 30 hours or more hours per week. If you have questions about your eligibility, contact your Health Benefits Representative (HBR).*Employees of The University of North Carolina System are not eligible for this benefit.
Disability Plan Details (from the NCFlex 2023 Benefits Guide)
Disability Plan Contact Information:
Customer Service for The Standard
P.O. Box 2800
Portland, OR 97208
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Employer name: State of NC/NCFlex
Group Policy number: 758162