Long-term disability insurance premiums
Find out the monthly cost for employee-paid long-term disability (LTD) insurance.
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Employer-paid LTD premiums
Your employer pays this coverage.
Employee-paid LTD premiums
Employee-paid LTD premiums are based on:
- Which employee retirement plan you have.
- Which coverage level you select.
- Your monthly predisability earnings.
To find your premium, use the premium calculator on Standard's website or use this formula: Your monthly insured earnings (not to exceed $16,667) x employee type rate = monthly premium.
| Coverage level | Higher-education employees retirement plan employees | TRS, PERS, and other retirement plan employees |
|---|---|---|
| 60 percent | 0.0050 | 0.0039 |
| 50 percent | 0.0030 | 0.0024 |