Long-term disability insurance premiums

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

Employer-paid LTD premiums

Your employer pays this coverage.

Employee-paid LTD premiums

Employee-paid LTD premiums are based on:

  1. Which employee retirement plan you have.
  2. Which coverage level you select.
  3. Your monthly predisability earnings.

To find your premium, use the premium calculator on Standard's website or use this formula: Your monthly insured earnings (not to exceed $16,667) x employee type rate = monthly premium.

2026
Coverage level Higher-education employees retirement plan employees TRS, PERS, and other retirement plan employees
60 percent 0.0050 0.0039
50 percent 0.0030 0.0024
2025
Coverage level Higher-education employees retirement plan employees TRS, PERS, and other retirement plan employees
60 percent 0.0053 0.0042
50 percent 0.0032 0.0025

Contact

For help with enrollment and premium payments
Your payroll or benefits office

For help with benefits or plan details
Standard Insurance Company
Phone: ​1-800-368-2860
Online: Standard Insurance Company for employees