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:
- What type of employee you are.
- Which coverage level you select.
- How much you earn.
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.
- 2025
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Coverage level Higher-education employees retirement plan employees TRS, PERS, and other retirement plan employees 60 percent 0.0053 0.0042 50 percent 0.0032 0.0025