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Find out the monthly cost for employee-paid long-term disability (LTD) insurance.
Your employer pays this coverage.
Employee-paid LTD premiums are based on:
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 of each year.
| 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.
|
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 |
|
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 |
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
