Some local governments in Virginia are turning to the private sector to provide disability benefits to their employees. Localities have until Nov. 1 to decide whether to opt out of the state disability program managed by the Virginia Retirement System. Localities that don’t opt out will be automatically enrolled in the state program. Retirement system spokeswoman Jeanne Chenault tells the Richmond Times-Dispatch that about 70 local governments had opted out of the state program as of Thursday. Chesterfield County is among the local governments that have decided not to participate in the state program. County spokesman Don Kappel says the county’s private plan through Standard Insurance Company is 13 percent less expensive that the state program.