The SD Trust website is designed to use JavaScript. Please enable JavaScript within your browser settings

Long-term Disability

Choose your bargaining group and status, then click GO! to get your Long-term Disability (LTD) information.

Long-Term Disability coverage provides you with long-term income protection if you become disabled as the result of a covered injury, sickness or pregnancy. The Trust offers this benefit through the Standard Insurance Company.

Access your long-term disability benefit information below.

Long-Term Disability coverage provides you with long-term income protection if you become disabled as the result of a covered injury, sickness or pregnancy. The Trust offers this benefit through the Standard Insurance Company.

If the information below does not represent your union group or status, please reset your profile.

1

Choose your Bargaining Unit

Which union do you belong to?

ATU/DCU
PAT
PFSP

Don't know what union you belong to? Contact the Trust administrative office.

2

Choose Your Status

What is your status within your union group?

Active FT
Type 10 Driver
Early Retiree
Active FT & PT
Substitute
Early Retiree
Active FT & PT
Early Retiree
3

Get Your Benefit Information

Click the button below to view your specific benefits

GO!

ATU and DCU Active Members:
Full–Time Employees

Full Coverage including Medical, Prescription, Dental, Vision—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

LTD Self-Pay Coverage

Self-pay coverage is required for all full-time employees.

Note: If you are a full-time employee, and you decline health coverage (because you have other health coverage), you will be enrolled in self-pay Long-Term Disability, without the option to decline. Click here for the current year plan rate sheet.

 

Member coverage: 60% of earnings, up to $6,000 per month

LTD Plan Documents
 

ATU Type 10 Drivers:
Full–Time Employees

Full Coverage including Medical, Prescription, Dental, Vision

October 1, 2024 – March 31, 2025
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

ATU Type 10 Drivers are not eligible for Long-Term Disability coverage.

ATU/DCU Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

ATU/DCU Early Retiree members are not eligible for Long-Term Disability coverage.

PAT Active Members: Option 1 Plans
Full–Time and Part–Time Employees

Full coverage including: Medical, Prescription, Dental, Vision—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here for Option 2 Plans for Part–Time Employees    :::::    Not your union or status? Reset your profile.

LTD Self-Pay Coverage

Self-pay coverage is required for all full-time employees.

Note: If you are a full-time employee, and you decline health coverage (because you have other health coverage), you will be enrolled in self-pay Long-Term Disability, without the option to decline. Click here for the current year plan rate sheet.

 

Member coverage: 60% of earnings, up to $6,000 per month

LTD Plan Documents
 

PAT Active Members: Option 2 Plans
Part–Time Employees Only

Partial coverage including: Medical and Prescription Drug—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here to view Option 1 Plans for Full–Time and Part–Time Employees    :::::    Not your union or status? Reset your profile.

LTD Self-Pay Coverage

Self-pay coverage is required for all full-time employees.

Note: If you are a full-time employee, and you decline health coverage (because you have other health coverage), you will be enrolled in self-pay Long-Term Disability, without the option to decline. Click here for the current year plan rate sheet.

 

Member coverage: 60% of earnings, up to $6,000 per month

LTD Plan Documents
 

PAT Members:
Substitutes

Medical and Prescription Drug (Members and Enrolled Dependents) and Dental (Members Only)

2024-2025 Plan Year, October 1, 2024 – September 30, 2025
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

PAT Substitute Teacher members are not eligible for Long-Term Disability coverage.

PAT Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

PAT Early Retiree members are not eligible for Long-Term Disability coverage.

PFSP Active Members: Option 1 Plans
Full–Time and Part–Time Employees

Medical, Prescription, Dental, Vision—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here for Option 2 Plans for Part–Time Employees    :::::    Not your union or status? Reset your profile.

LTD Self-Pay Coverage

Self-pay coverage is required for all full-time employees.

Note: If you are a full-time employee, and you decline health coverage (because you have other health coverage), you will be enrolled in self-pay Long-Term Disability, without the option to decline. Click here for the current year plan rate sheet.

 

Member coverage: 60% of earnings, up to $6,000 per month

LTD Plan Documents
 

PFSP Active Members: Option 2 Plans
Part–Time Employees Only

Partial coverage including: Medical and Prescription Drug—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here to view Option 1 Plans for Full–Time and Part–Time Employees    :::::    Not your union or status? Reset your profile.

PFSP members who are part-time and choose an Option 2 plan are not eligible for Long-Term Disability benefits.

PFSP Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2025 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

PFSP Early Retiree members are not eligible for Long-Term Disability coverage.