Employee-Paid LTD Premium Calculator

Your premium cost for employee-paid LTD insurance depends on your predisability earnings, whether you enroll in the 60% or 50% plan and whether you participate in the Higher Education Retirement Plan. Rates are effective Jan. 1, 2026.

Select your LTD coverage option:

Enter your predisability earnings:
(cannot be more than $16,667)
Predisability earnings include your monthly gross rate of pay received from your employer. Do not include overtime, shift differential pay, standby pay or other extra compensation. For more information, please review your LTD Plan Booklet.

Your Estimated Monthly Benefit:
(before reduction by deductible income)

Your Estimated Monthly Premium:

Please review your LTD Plan Booklet for more detailed information, such as exclusions, limitations and reductions.

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