Use the calculator below to estimate your biweekly premium for Voluntary LTD coverage. Premiums for this plan will be deducted directly from your paycheck.

Note, all late applications and requests for coverage increases are subject to medical underwriting approval. If evidence of insurability is required, complete and submit a Medical History Statement. Evidence of insurability is also required for reinstatement of terminated coverage and for members eligible but not insured under prior Group LTD insurance plan, if any.

Before enrolling, please review the Long Term Disability Coverage Highlights and Certificate of Insurance for answers to commonly asked questions, costs, including eligibility requirements, exclusions, limitations and reductions in benefits.