HCA’s lobby is now open for walk-in customer service. Learn about customer service options.

Long-term disability insurance premiums

Find out the monthly cost for employee-paid long-term disability (LTD) insurance.

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.

Examples of employee-paid premiums

Your exact premium depends on your retirement plan, monthly base pay (gross earnings before tax and other deductions) and the coverage level you choose. Here are some examples.

60-percent coverage

Examples of base pay	Higher-education employees retirement plan	TRS, PERS, and other retirement plan
$3,000	$17.70	$14.10
$4,000	$23.60	$18.80
$5,000	$29.50	$23.50
$6,000	$35.40	$28.20
$7,000	$41.30	$32.90
$8,000	$47.20	$37.60
$9,000	$53.10	$42.30
$10,000	$59.00	$47.00
$11,000–$16,667	$64.90–$98.34	$51.70–$78.33

50-percent coverage

Examples of monthly base pay	Higher-education employees retirement plan	TRS, PERS, and other retirement plans
$3,000	$10.50	$8.40
$4,000	$14.00	$11.20
$5,000	$17.50	$14.00
$6,000	$21.00	$16.80
$7,000	$24.50	$19.60
$8,000	$28.00	$22.40
$9,000	$31.50	$25.20
$10,000	$35.00	$28.00
$11,000–$16,667	$38.50–$58.33	$30.80–$46.67