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Long-Term Disability Insurance
Optional long-term disability (LTD) insurance is provided through the City’s group policy with Standard Insurance Company.  

The City’s LTD insurance policy covers employees up to two-thirds of their gross monthly salary if they become unable to work due to a work or non-work related disability.  This coverage is in-lieu of SDI and is 100% employee-paid.  City of San José employees are not covered under California State Disability Insurance (SDI).

Individuals may select between two plans: the LTD-30 Plan and the LTD-60 Plan.  The two plans provide identical benefits, with the following exceptions:
  • If an individual elects coverage under the LTD-30 Plan and becomes disabled, benefits begin after 30 days of continuous disability.  There is no preexisting condition exclusion under this plan, and there is no requirement to participate in a rehabilitation plan.
  • If an individual elects coverage under the LTD-60 Plan and becomes disabled, benefits begin after 60 days of continuous disability.  The individual will be subject to a preexisting condition exclusion under this plan, and may be required to participate in a rehabilitation plan if able to do so.


Eligibility
Full-time (except Temporary Unclassified) and part-time benefited employees may enroll themselves in one of the City’s long-term disability plans.


Cost
Employee contribution amounts are subject to change each year in January in accordance with contract renewals. Employee contributions toward monthly premiums are calculated as a percentage of annual salary and will vary amongst participants.


Long-Term Disability Insurance Information


Contact Us
For information about the City's long-term disability plans, email Human Resources - Employee Benefits at .