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Filing Long-Term Disability (LTD) Claims

Feb 18, 2026, 13:15 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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