Group Long Term Disability Insurance
Premium Estimator
The information you enter in this calculator is not saved or submitted to any system.
The monthly premium of the LTD insurance selected will vary based on age, salary, and the coverage option selected. The premiums will automatically be deducted from payroll. Employees can estimate how much the monthly premium will be by using the table below.
How to calculate your monthly premiums:
- Choose the option you want.
- Locate your age.
- 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)
| Age Range | Option A | Option B | Option C | Option 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 |