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The Standard Disability Insurance Review

Rating: 7.8 / 10 (Very good)
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The Standard Insurance Company is one of the largest financial services companies operating in the United States. It offers group and individual short- and long-term disability insurance plans with multiple benefit features and riders available on most plans. The company was founded in 1906 and is headquartered in Portland, Oregon.

How is The Standard rated?


Policies & Coverage
Financial Strength
Reputation & Customer Experience

Overall Rating: 7.8 / 10 (Very good)

The company covers 6 million employees and has more than 25k group policies in force. It offers a robust list of individual disability insurance plans with ample added features and rider options. Its website and brochures provide a great deal of information on its disability insurance policies, making it easy for consumers to find and compare information to other insurance providers. It has solid financial ratings as well as decent reputation ratings. The company is one of the largest insurance companies and it's been in operation since 1906, making it a solid choice for consumers.

The Standard Policies & Coverage

Policies & Coverage - 10 / 10

The company offers short and long-term group disability policies as well as three individual disability insurance plans that can complement the group plans. There are many policy features and riders available with most plans. Exclusions and limitations include pre-existing conditions as well as others that are clearly presented in the company's short and long-term policy brochures. Group policy coverage and features are determined by each individual employer; therefore, maximum benefits and periods listed here are for example purposes only.
Policy Types
Policy Features
Partial Disability
Rehabilitation Benefit
Survivor Benefit
Presumptive Total Disability
Guaranteed Renewable
Waiver of Premium
Total Disability Income Benefit
Elimination Period
7, 14, 30, 60, or 90 days
STD Maximum Monthly Benefit
Up to $1,500
LTD Maximum Monthly Benefit
Up to $5,000
Short-Term Benefit Period
26 months
Long-Term Benefit Period
Up to age 67
Online Quote
Pre-Existing Conditions Exclusion
Exclusions & Limitations
Other exclusions include: self-inflicted injury, act of war, attempting to commit a felony or assault, and loss of professional license of certification To view additional exclusions and limitations, please go to the provided link.
Link to Source

The Standard Flexibility

Flexibility - 10 / 10

The company offers many policy riders which are available under most plans with a larger selection available under its individual income protection policies. For example, individual plans include own occupation and waiver of premium riders, whereas long-term group plan riders include critical illness and hospital confinement indemnity.

Available Policy Riders

Future Increase
Cost of Living Adjustment
Waiver of Premium
Residual Benefits
Own Occupation
Automatic Benefit Increase
Guaranteed Insurability
Return of Premium
Critical Illness
Hospital Confinement Indemnity
Supplemental Disability Income
Retroactive Injury
Accidental Medical Expense
Catastrophic Disability

The Standard Financial Strength

Financial Strength - 9.5 / 10

According to the company's website, it has received an A rating or higher from A.M. Best Company since 1928, being only one of 17 insurance companies to do so for more than 75 years. As of 2016, its total assets under administration were $27.74 billion. It has an A+ rating from Standards & Poor's, and an A1 rating from Moody's.
Company Type
Year Founded
Market Share 2017
Total Premiums 2017
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

The Standard Reputation & Customer Experience

Reputation & Customer Experience - 9 / 10

The company is one of the largest providers of both group and individual disability insurance policies. It holds an A+ rating from BBB and a 5.1 rating from Trustpilot (based on 12 reviews). There are four BBB negative reviews, two of which the company resolved directly with the consumers.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trustpilot Rating
5.1 out of 10
Date Collected
NAIC Complaint Ratio 2017
NAIC Total Complaints 2017

Company Profile

Full Name
The Standard Disability Insurance
Company Website
1100 SW Sixth Avenue, Portland, OR, 97204

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Top Rated
7.8 / 10
  • Comprehensive group and individual short- and long-term disability insurance policies
  • Total and partial disability policies
  • A large selection of features and riders available on most plans
  • Accident-only disability and critical illness insurance also available