Premium Estimator

Estimating your long term disability (LTD) premiums

The monthly premium of the LTD insurance you select will vary based on your age, salary, and the coverage you select. Your premiums will be automatically deducted from payroll, and you can use the table provided to estimate your monthly amount.

How to calculate your monthly premiums

  1. Choose the option you want.
  2. Locate your age.
  3. Find the corresponding rate in the column of the option you selected.

Option A: 180-day benefit waiting period
Option B: 90-day benefit waiting period
Option C: 180-day benefit waiting period with the annuity contribution benefit (retirement protection)
Option D: 90-day benefit waiting period with the annuity contribution benefit (retirement protection)

Rate options by age
Age rangeOption AOption BOption COption D
Under 40.00050.00059.00071.00085
40-44.00122.00158.00163.00212
45-49.00205.00264.00264.00341
50-54.00329.00424.00426.00548
55-69.00403.00524.00524.00680
70 and over.00604.00778.00784.01012

PREMIUM ESTIMATOR

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As a note: The information you enter in this calculator is not saved or submitted to any system.