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  • Filing Long-Term Disability (LTD) Claims

    Feb 18, 2026, 1:15 PM By MOSERS

    Employer representatives play an important role in supporting employees through the LTD claim process. Here is a quick overview:

    Step 1: Employee initiates the claim.

    The employee (or former employee) contacts The Standard at (844) 505-6026 to begin the claim.

    Step 2: Employee notifies employer.

    After filing, the employee will be instructed to notify their HR representative that a claim has been submitted.

    Step 3: Employer completes the Employer’s Statement.

    The designated HR representative must complete the Employer’s Statement and email it to ltdmosers@standard.com, including the employee’s name in the subject line.

    Step 4: Claim review.

    The Standard will review the claim once all required information is received and will notify the employee in writing of the outcome.

    Important reminders:
    • Employees and former employees cannot be prevented from filing an LTD claim.
    • Please allow up to five business days after submitting the Employer’s Statement before contacting The Standard for a status update.

    For additional details, review The Standard’s Frequently Asked Questions About Filing a Long-Term Disability Claim or MOSERS' Long-Term Disability Insurance Handbook.

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