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 paid for this coverage.
Employee-paid LTD premiums
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 of each year, except employees who become newly eligible for LTD. Newly eligible employee rates are based on age as of enrollment date for the first calendar year of coverage.
- 2025
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Age 60-percent coverage 50-percent coverage Under 30 0.0009 0.0006 30 to 34 0.0012 0.0007 35 to 39 0.0018 0.0011 40 to 44 0.0026 0.0015 45 to 49 0.0035 0.0021 50 to 54 0.0048 0.0029 55 to 59 0.0058 0.0035 60 to 64 0.0060 0.0036 65 and older 0.0061 0.0037