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Filing a LTD Claim

If you have a disability, contact your human resources associate or personnel assistant.

You should not wait until all of your sick leave is exhausted before applying for LTD. You should apply for LTD benefits as soon as possible. If you are able to return to work before you satisfy your waiting period, you can cancel or withdraw your application for LTD benefits.

The Standard strives to make a determination before benefits would start to be payable (assuming approval of the claim). In general, it usually takes The Standard six to eight weeks after an LTD application is received to arrive at a decision. Depending on the specific factors in each case, this timeframe can vary considerably.

More Information

For more information about your coverage, please contact your human resources associate.


The Benefits Management Team of the Iowa Department of Administrative Services developed this website to provide you with information about your benefit options, and serve as a valuable resource for information about your benefits.  The benefits described at this website are subject to change.  Nothing herein shall be construed as a guarantee of benefits.  This website is not a complete description of the State of Iowa’s benefit plans.  Nothing on this website supersedes or changes any of the terms and conditions of any plan documents, insurance policies, or other legal agreements.  If the wording in this website contradicts any plan documents, laws, regulations, administrative rules, insurance policies, or other legal agreements, the wording in the official documents and agreements will govern.

If you have any questions, please contact your Human Resources Associate.