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Long-term disability insurance premiums

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

Employer-paid (basic) LTD premiums

Your employer paid for this coverage.

Employee-paid LTD premiums starting January 1, 2022

Your monthly employee-paid LTD premium is based on your desired coverage level (either 60 percent or 50 percent), your age, and your monthly predisability earnings (base pay). To find your premium quickly, use the premium calculator on The Standard's website.

These rates are based on the employee's age on January 1, 2022.

Age	60-percent coverage	50-percent coverage
Under 30	0.0011	0.0007
30 to 34	0.0015	0.0009
35 to 39	0.0023	0.0014
40 to 44	0.0032	0.0019
45 to 49	0.0044	0.0026
50 to 54	0.0060	0.0036
55 to 59	0.0072	0.0044
60 to 64	0.0075	0.0045
65 and older	0.0076	0.0046

Examples of employee-paid premiums

Your exact premium depends on your age, your monthly predisability earnings (base pay), and the coverage level you choose. Here are some examples.

Note: You may need to scroll to the right to see all of the examples.

60-percent coverage level

Examples of monthly base pay	Age 29 and under	Age 30 to 34	Age 35 to 39	Age 40 to 44	Age 45 to 49	Age 50 to 54	Age 55 to 59	Age 60 to 64	Age 65 and older
$3,000	$3.30	$4.50	$6.90	$9.60	$13.20	$18.00	$21.60	$22.50	$22.80
$4,000	$4.40	$6.00	$9.20	$12.80	$17.60	$24.00	$28.00	$30.00	$30.40
$5,000	$5.50	$7.50	$11.50	$16.00	$22.00	$30.00	$36.00	$37.50	$38.00
$6,000	$6.60	$9.00	$13.80	$19.20	$26.40	$36.00	$43.20	$45.00	$45.60
$7,000	$7.70	$10.50	$16.10	$22.40	$30.80	$42.00	$50.40	$52.50	$53.20
$8,000	$8.80	$12.00	$18.40	$25.60	$35.20	$48.00	$57.60	$60.00	$60.80
$9,000	$9.90	$13.50	$20.70	$28.80	$39.60	$54.00	$64.80	$67.50	$68.40
$10,000	$11.00	$15.00	$23.00	$32.00	$44.00	$60.00	$72.00	$75.00	$76.00
$11,000 to $16,667	$12.10–$18.33	$16.50–$25.00	$25.30–$38.33	$35.20–$53.33	$48.40–$73.33	$66.00–$100.00	$79.20–$120.00	$82.50–$125.00	$83.60–126.67

50-percent coverage level

Examples of monthly base pay	Age 29 and under	Age 30 to 34	Age 35 to 39	Age 40 to 44	Age 45 to 49	Age 50 to 59	Age 55 to 59	Age 60 to 64	Age 65 and older
$3,000	$2.10	$2.70	$4.20	$5.70	$7.80	$10.80	$13.20	$13.50	$13.80
$4,000	$2.80	$3.60	$5.60	$7.60	$10.40	$14.40	$17.60	$18.00	$18.40
$5,000	$3.50	$4.50	$7.00	$9.50	$13.00	$18.00	$22.00	$22.50	$23.00
$6,000	$4.20	$5.40	$8.40	$11.40	$15.60	$21.60	$26.40	$27.00	$27.60
$7,000	$4.90	$6.30	$9.80	$13.30	$18.20	$25.20	$30.80	$31.50	$32.20
$8,000	$5.60	$7.20	$11.20	$15.20	$20.80	$28.80	$35.20	$36.00	$36.80
$9,000	$6.30	$8.10	$12.60	$17.10	$23.40	$32.40	$39.60	$40.50	$41.40
$10,000	$7.00	$9.00	$14.00	$19.00	$26.00	$36.00	$44.00	$45.00	$46.00
$11,000–$16,667	$7.70–$11.67	$9.90–$15.00	$15.40–$23.33	$20.90–$31.67	$28.60–$43.33	$39.60–$60.00	$48.40–$73.33	$49.50–$75.00	$50.60–$76.67

Supplemental LTD premiums through December 31, 2021

Your monthly supplemental LTD premium is based on your age and your predisability earnings (your monthly gross pay before you became disabled). To calculate your premium, multiply your monthly gross pay (up to $16,667) by the appropriate age-banded rate (your age as of January 1 each year) shown below.