State of California

Group Long Term Disability Insurance for Excluded Employees


Needs Estimator

If you depend on your regular paycheck to pay your bills, what would happen if you became sick and unable to work for 6 months or longer? Are you prepared for the unexpected? Group LTD insurance from The Standard may be part of the solution.To help determine your need for disability income protection, complete the worksheet below.

Expenses Inputs
Monthly Expenses

(electricity, gas, cable, phone, etc.)

(credit cards, student and auto loans, etc.)

(health, life, auto, home, etc.)
Income Inputs
Monthly Income


Calculated Results
Calculated Results
LTD Insurance Needs Analysis

You've determined if you need disability insurance. To see how much it will cost to purchase coverage through the State of California's Group LTD insurance program, use the Premium Calculator.

Please keep in mind that there may be other sources of income available to you if you become disabled, including disability retirement through CalPERS, state disability, Social Security, etc. These other benefits may reduce the LTD benefit payable by The Standard. Please be sure to review the Group Long Term Disability Insurance Booklet and the Certificate of Insurance for a description of the disability coverage before making your decision to purchase long term disability insurance.