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. What type of employee you are.
2. Which coverage level you select.
3. How much you earn.

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.

2025

Accordion content 1.

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

2024

Coverage level	Higher-education employees retirement plan employees	TRS, PERS, and other retirement plan employees
60 percent	0.0059	0.0047
50 percent	0.0035	0.0028