Calculators
- Use the Needs Estimator to estimate how much disability insurance you may need.
- Determine the cost of your disability insurance by using the Premium Calculator.
Would you be able to meet your financial obligations if you became disabled and unable to work? LTD insurance is designed to pay a monthly benefit to you in the event you cannot work for 6 months or longer because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.
By sponsoring group Voluntary LTD insurance from The Standard, the State of California offers you an excellent opportunity to help protect yourself and your lifestyle.
Disability Facts — Did You Know?
- A disabling injury occurs every 1.3 seconds - on and off the job. That's over 63,000 every day, more than 23 million every year.1
- Almost 3 in 10 of today's 20 year olds will become disabled before age 67.2
- Once someone has been disabled for 90 days, the average length of their disability is two years.3
- At age 35, one has a 50/50 chance of being unable to work more than three months due to a disability before turning 65.4
Use the Needs Estimator to determine if you need LTD coverage. Voluntary LTD insurance from The Standard may be part of the solution for you.
Before enrolling, review the Voluntary Long Term Disability Insurance Booklet and Certificate of Insurance for answers to commonly asked questions, costs, exclusions, limitations and reductions.
1 National Safety Council, Injury Facts 2005-2006 Edition
2 Social Security Administration, Social Security Fact Sheet, July 2006
3 Commissioners Group Disability Basic Table, Society of Actuaries, 1987
4 Society of Actuaries, Money Magazine, April 2000