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Long-term disability insurance premiums
Find out the monthly cost for employee-paid long-term disability (LTD) insurance.
On this page
Employer-paid LTD premiums
Your employer pays this coverage.
Employee-paid LTD premiums
Employee-paid LTD premiums are based on:
- What type of employee you are.
- Which coverage level you select.
- How much you earn.
To find your premium, use the premium calculator on The Standard's website.
These rates are based on the employee's age on January 1, 2022.
Coverage level | Higher-education employees retirement plan employees |
TRS, PERS, and other retirement plan employees |
---|---|---|
60 percent | 0.0059 | 0.0047 |
50 percent | 0.0035 | 0.0028 |
To calculate your monthly premium use the formula below.
Your monthly insured earnings (not to exceed $16,667) x employee type rate = monthly premium.
Contact
For help with enrollment and premium payments
Your payroll or benefits office
For help with benefits or plan details
Standard Insurance Company
Phone: 1-800-368-2860
Online: Standard Insurance Company for employees