The Standard designed Protector Essential Disability Insurance  individual disability income insurance to be an affordable way to protect someone’s most fundamental assets in the event of a long-term injury or illness – so that they can focus on recovering and rebuilding a productive work life.

Sample Standard Protector Essential Sample Policy


Included In The Protector Essential® Disability Insurance Policy

  • Policy Renewability and Premiums1

    The insured’s coverage is guaranteed renewable to the policy’s termination date as long as the premium is paid on time.  The Standard cannot change any part of the policy, except for the premium. Even then, they may only change the premium after the policy is three years old and if the change applies to all policies with similar benefits insuring the same risk class.

  • Renewable for Life (Renewal Option)

    With the Renewal Option, the policy owner may ask to continue the policy beyond its termination date if the policy owner is working at least 30 hours per week and is not disabled at the time of the request. Certain limitations apply.

  • Total Disability Benefit

    The policy pays the basic monthly benefit if the insured is totally disabled. Totally disabled means the insured is unable to perform the substantial and material duties of a regular occupation, and the insured is under the care of a physician and is not working in any other gainful occupation. Regular occupation is the occupation at the time disability begins.

  • Presumptive Total Disability Benefit

    The insured is eligible for the total disability benefit if an injury or illness results in loss of speech, hearing, sight or the use of two limbs, as defined by the policy.

  • Rehabilitation Benefit

    If the insured participates in a rehabilitation program to prepare for returning to work, this benefit can pay for part or all of the costs for up to 36 months. And if the insured returns to work part-time or with limited duties while in the rehabilitation program, the Rehabilitation Benefit can also help the insured to continue to receive the maximum monthly benefit amount.

  • Residual Disability Benefit

    This benefit pays a residual disability benefit if the insured is not totally disabled but is disabled enough to incur at least a 20% loss of income while the insured works but is not able to do all of the duties, or is able to do all duties but not for as long a time or as effectively as before the disability. Included with this benefit is a Recovery Benefit that pays a lump sum amount when the insured returns to work at least 30 hours per week immediately after a period when residual disability benefits were paid.

  • Survivor Benefit

    If the insured dies while receiving total disability benefits, the policy pays the basic monthly benefit to the owner or owner’s estate for up to three months after the insured’s death.

  • Waiver of Premium Benefit

    The Standard will waive all premiums due under the policy while disability or recovery benefits are payable.

  • Cosmetic or Transplant Surgery Benefit

    The Standard will pay a monthly benefit if the insured becomes totally disabled more than six months after the policy’s effective date because of a sickness or injury caused by cosmetic or transplant surgery.

Optional Riders

  • Future Purchase Option Rider

    This rider allows for the purchase of bene?t increases on each policy anniversary until the rider’s expiration date, subject only to ?nancial underwriting and policy requirements.

  • Indexed Cost of Living Rider

    With this rider, the monthly benefit will increase by up to 3 or 6 percent annually while the insured remains disabled, based on changes in the Consumer Price Index. The policy owner also has the option, upon the insured’s recovery, of purchasing the benefit increases provided by the rider during the disability. No underwriting is required for this purchase.

  • Catastrophic Disability Rider

    The Standard will pay an additional monthly benefit if the insured suffers a catastrophic disability that prevents the insured from performing certain activities of daily living, as defined by the policy.


    Click for

    1 For insureds born on or before 12/31/1956, the normal policy termination date is the policy anniversary on or following the 66th birthday. For other insureds, it is the policy anniversary on or following the 67th birthday.

    This is only a brief summary of the features and riders available in the policy. This is not a contract. Any coverage issued is subject to the terms of the policy. Some policy provisions may vary by state. Optional riders are subject to underwriting and reinsurance availability. Additional optional riders may increase premiums. Some riders may not be available in all states. A medical exam may be required when you apply for a policy.

    Some products and riders may not be available in all states and some policy provisions may vary by state. The policy has exclusions and limitations and terms under which the policy may be continued or discontinued. For costs and complete details of coverage, please contact your insurance representative or The Standard.

    The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary.