Serving those who serve South Carolina

Long term disability

Basic long term disability

The Basic Long Term Disability (BLTD) Plan, administered by Standard Insurance Company (The Standard), is an employer-funded disability plan provided by the state. It helps protect a portion of your income if you become disabled as defined by the Plan. This benefit is provided at no cost to you. If you have questions or need more information, please contact The Standard at 800.628.9696 or at visit their website.


BLTD plan benefits summary

  • Benefit waiting period: 90 days
  • Monthly BLTD benefit* percentage: 62.5 percent of your predisability earnings, reduced by deductible income
  • Maximum benefit: $800 per month
  • Maximum benefit period: To age 65 if you become disabled before age 62. If you become disabled at age 62 or older, the maximum benefit period is based on your age at the time of disability. The maximum benefit period for age 69 and older is one year.


*BLTD benefits are subject to federal and state income taxes. Check with your accountant or tax advisor regarding your tax liability.


For more details about your BLTD benefits, review the Long term disability chapter in the Insurance Benefits Guide.


Supplemental long term disability

Many people think they will never become disabled. Consider these statistics:


Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire.1

  • More than 37 million Americans are classified as disabled; about 12 percent of the total population. More than 50 percent of those disabled Americans are in their working years, from age 18 to age 64.2
  • 65 percent of working Americans say they could not cover normal living expenses even for a year if their employment income were lost; 38 percent could not pay their bills for more than three months.3 As noted above, many people would not be able to meet their financial obligations if they became disabled and could not work for an extended period of time. PEBA Insurance Benefits offers an optional disability insurance plan that provides additional protection for you and your family. This program, Supplemental Long Term Disability Insurance (SLTD), is insured by Standard Insurance Company (The Standard).


1U.S. Social Security Administration, Fact Sheet February 7, 2013.

2U.S. Census Bureau, American Community Survey, 2011.

3Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010.


What SLTD insurance provides

  • Competitive group rates
  • Survivors benefits for eligible dependents
  • Coverage for injury, physical disease, mental disorder or pregnancy
  • A return-to-work incentive
  • SLTD conversion insurance
  • A cost-of-living adjustment
  • Lifetime security benefit.


Get details and premiums

For detailed information about SLTD insurance and premiums for the coverage, please review the Long term disability chapter of the Insurance Benefits Guide.


Additional resources



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Columbia, SC 29223

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State of South Carolina

S.C. Code of Laws

© 2016 South Carolina Public Employee Benefit Authority

Data classification: public information