Long-term disability insurance premiums

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