Long-term disability insurance premiums

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 of each year, except employees who become newly eligible for LTD. Newly eligible employee rates are based on age as of enrollment date for the first calendar year of coverage. 

2025

Age	60-percent coverage	50-percent coverage
Under 30	0.0009	0.0006
30 to 34	0.0012	0.0007
35 to 39	0.0018	0.0011
40 to 44	0.0026	0.0015
45 to 49	0.0035	0.0021
50 to 54	0.0048	0.0029
55 to 59	0.0058	0.0035
60 to 64	0.0060	0.0036
65 and older	0.0061	0.0037

2024

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