Phillips 66 Company

Disability

If you should have to face a serious illness or injury, our Short-Term Disability (STD) and Long-Term Disability (LTD) Plans offer valuable income protection.

Health & Well-Being Tools

The links below will help with reviewing your options:


Short-Term Disability

Company-provided STD replaces a portion of your pay for up to 26 weeks if you experience a disability and are unable to work as a direct result of your non-occupational illness or injury.

The number of weeks paid at 100% or 60% will be determined by your service date.

Benefit Duration

During each calendar year, the participant is eligible for STD benefits as follows:

Benefits schedule
If the participant has the following years of service* ... The participant is eligible for STD benefits as follows ...
100% of pay** 60% of pay**
For up to the following number of weeks* ...
Less than six years 10 16
At least six but less than eight years 12 14
Eight years 16 10
Nine years 20 6
At least ten years 26 0

* For more information, see “pay,” “work days,” “week” and “years of service” in the Glossary, which begins on page N-60 of the Other Information chapter.

** Subject to reduction for any Social Security disability benefits, state-mandated sick pay or disability benefits, or any other sick pay or disability benefits the participant is eligible to receive, as determined by the plan administrator.


Using the Disability Benefits

Use the links below to access plan benefits and services.

LTD Premiums

See the monthly premiums below (effective January 1, 2025 to December 31, 2025) to compare plan pricing:

Plan Monthly LTD Premiums
Basic LTD (50% of your pre-disability earnings), max $5,000/month after earnings company paid
Enhanced LTD (60% of your pre-disability earnings), max $10,000/month after earnings $0.401 per $100 of pre-disability earnings

Click here for complete Employee Monthly Premiums.

Long-Term Disability

LTD replaces a portion of your pay if you experience a disability and are unable to work for a period of more than 26 weeks.

All eligible employees are automatically enrolled in company-provided basic LTD, which pays 50% of your pre-disability earnings, with a maximum benefit of $5,000 per month.

If you want additional coverage, you can enroll in employee-paid enhanced LTD, which pays 60% of your pre-disability earnings, with a maximum benefit of $10,000 per month.

Benefit Duration

For those with a disability date of 2020 or later, the following durations apply:

Age Disabled Benefits Payable – Elimintation period greater than or equal to 180 days
Prior to age 63 To Normal Retirement Age or 42 months if greater
Age 63 To Normal Retirement Age or 36 months if greater
Age 64 30 months
Age 65 24 months
Age 66 21 months
Age 67 18 months
Age 68 15 months
Age 69 or over 12 months

For purposes of the LTD benefit, Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States Social Security Act. It is determined by the date of birth as follows:

Year of birth Normal Retirement Age
1937 65
1938 65 + 2 months
1939 65 + 4 months
1940 65 + 6 months
1941 65 + 8 months
1942 65 + 10 months
1943 thru 1954 66
1955 66 + 2 months
1956 66 + 4 months
1957 66 + 6 months
1958 66 + 8 months
1959 66 + 10 months
1960 or after 67

Using the Disability Benefits

Use the links below to access plan benefits and services.

LTD Contacts

Phillips 66 Benefits Center – LTD coverage questions
Phone: (800) 965-4421; (646) 254-3467 (for international callers)
Website: Phillips 66 Benefits Center
The Hartford – LTD claims filing and questions
Phone: (888) 277-4767
Website: The Hartford

Plan Documentation

Review the materials below to learn more about plan details.

Search