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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

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.

Age Rate
Under 30 0.0014
30 to 34 0.0019
35 to 39 0.0029
40 to 44 0.0041
45 to 49 0.0056
50 to 54 0.0077
55 to 59 0.0093
60 to 64 0.0096
65 and older 0.0098

Example

If your monthly earnings are $1,000, the 40 to 44 rate would cost $4.10 per month.

Earnings $1,000 per month
40 to 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
Standard Insurance Company
Phone: 1-833-229-4177
Online: Standard for school employees