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Q&A: Life/AD&D and Long-Term Disability Insurance


Life/AD&D Insurance

Q: Can I purchase additional life insurance for myself or my family members?

A: The answer varies depending on employee group.  Please choose the blue button on the left correspnding to your employee group, then choose the “Life & Disability” link from the drop-down menu that opens below it.

Q: When my benefits end, is there a way to continue my coverage and pay for it myself (similar to the COBRA option for health insurance)?

A: Yes, you can apply for a “conversion policy” directly with the carrier within 31 days of losing your 4J life insurance.  Unlike COBRA, there are no laws requiring the employer to remind you of this option at the time your coverage ends, so it’s up to you to initiate the process.  Prices are printed on the application and are based on the amount of coverage converted as well as the age of the covered individual.  There is a small section that needs to be completed by the employer, so you can call the 4J Benefits Manager at (541) 790-7675 and request that the form be mailed to you with the employer section already completed, or you can make arrangements to pick it up to expedite the process.


Long-term Disability (LTD) Insurance

Q: How long does it take to get a determination once I submit an LTD claim?

A: The amount of time the carrier takes to evaluate your claim can vary greatly depending on the details of your disability and whether they need to request additional information from your healthcare providers.  You can call The Standard’s dedicated OEBB Customer Service Department at 866.756.8115 (TTY), from 8:00 a.m. to 5:00 p.m. Pacific Time.