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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:

  1. What type of employee you are.
  2. Which coverage level you select.
  3. 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.

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

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