1 /5 Rick McGann: If you have short or long term disability insurance through Standard Insurance Company you may not want to depend on them to pay your disability without harassing you nonstop. My friend has been receiving $50/month from them and receive anywhere from 4 or 5 to over a dozen forms to fill out every month. She was receiving a form requesting pages of medical updates every other day. They finally beat her into submission and she made the decision to stopped filling out their forms and requests for updated medical information. It wasnt worth her time for $50/month. Very bad investment.