The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.
Frequently Asked Questions About Filing a Disability Claim
If a medical underwriter needs to review your Medical History Statement, please allow up to 8 weeks for a final decision. Timelines can vary based on what other information we need and how quickly we receive that information. If we need more information from you, we'll contact you via the communication preference you chose (either email or mail). Once we've received complete information, we will generate a decision notice and send it by mail.
If you are applying for spouse coverage, your spouse must complete the Medical History Statement. The “Member” fields refer to your information, and your spouse may need your help completing those fields. The “Applicant” fields and medical history questions refer to your spouse. Your spouse must also electronically sign their own medical history statement and agree to all terms before submitting.
As part of our medical underwriting review, we may ask your attending physician to provide medical records. Our vendor, ReleasePoint, will obtain copies of your records on our behalf. If we need more details, one of our medical underwriters will send further instructions by mail.