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Long-term disability insurance premiums
Find out the monthly cost for supplemental long-term disability (LTD) insurance.
Supplemental LTD plan premiums
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.
| Age | Rate |
|---|---|
| Under 30 | 0.0014 |
| 30-34 | 0.0019 |
| 35-39 | 0.0029 |
| 40-44 | 0.0041 |
| 45-49 | 0.0056 |
| 50-54 | 0.0077 |
| 55-59 | 0.0093 |
| 60-64 | 0.0096 |
| 65+ | 0.0098 |
Example #1
If your monthly earnings are $1,000, the 40-44 rate would cost $4.10 per month.
| Earnings | $1,000 per month |
|---|---|
| 40-44 rate | x 0.0041 |
| Monthly cost | $4.10 |
Contact
For help with enrollment and premium payments
Your payroll or benefits office
For help with benefits or plan details
The Standard Insurance Company
Phone: 1-833-229-4177
Online: The Standard for school employees
