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Long-term disability insurance premiums
Find out the monthly cost for employee-paid long-term disability (LTD) insurance.
On this page
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, 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 |
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
